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DADAVE

Dave Inc.

Rising onWhy it's trendingX mentions rising faster than the marketBacked by solid revenue growthPrice and volume picking up
$DAVE·$3.8B·Software - Application·Technology
$314.44+10.0%YTD+41.7%1Y+56.5%
Mentions · last 7 days
2026-06-11: 67 posts2026-06-12: 37 posts2026-06-13: 6 posts2026-06-14: 15 posts2026-06-15: 42 posts2026-06-16: 22 posts2026-06-17: 13 posts203+6%
Price updated 9h ago·X counts updated 1d ago
DADAVE
Dave Inc.$DAVE
$314.44+10.01%203 posts+6%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $DAVE, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-06-18

The move is getting stronger, with heavier trading behind it.

The neobank everyone forgot delivered 47% revenue growth and 38% operating margin — and the founder just sold $2.3M on the rip.

Dave Inc. is the SF-based neobank built around ExtraCash — small-dollar paycheck advances at low cost, plus a checking account, personal finance insights, and Side Hustle gig listings. The transformation has been quiet but clean: Q1 revenue grew 47% YoY to $158M with 87% gross margin and a stunning 38% operating margin, free cash flow yield north of 8%. EPS beats running 52-85% surprises for four straight quarters. At 17x trailing earnings and 6.4x sales for a 47% grower with 38% margins, the multiple is reasonable; FY26 EPS consensus of $15.93 puts the forward at ~18x. The flag: founder/CEO Jason Wilk sold $2.3M and CFO Beilman $1.1M on June 2 at $275 — modest but timed at the highs of the rally. Director Preston disposed two $70K lots. The tiny 9.7M-share float plus beta of 3.9 means the tape is leveraged in both directions. Position 80% of 52w range, -4% today on no specific news.

What to watch: August 5 Q2 print — needs ExtraCash net advance originations growing 30%+ YoY AND operating margin holding above 35%. A consumer-credit cycle deterioration or a regulatory action on small-dollar lending would crack the multiple; a clean print with raised guidance extends the trend.

On the calendar: 2026-08-05 — Q2 2026 earnings

Read the AI verdict + X sentiment for $DAVE

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Dave Inc. manages a digital platform that delivers a comprehensive array of financial products and services. Among its key offerings is "Insights," a personal finance management solution designed to help members monitor their earnings and expenditures between salary payments. The company also provides "ExtraCash," a no-cost alternative to traditional overdrafts or short-term credit, which allows users to advance money to their accounts and bypass associated fees. Furthermore, its platform features "Side Hustle," an integrated portal for job applications. Dave Inc. also includes "Dave Banking," which operates as a digital checking and demand deposit account. Established in 2015, the firm is headquartered in West Hollywood, California.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $DAVE.

Software - Application · Technology

AI agent displacement is the structural bifurcator — NOW and SNOW represent the winners (agents expand contract value) while Adobe is the week's poster child for the losers (AI-native design tools threaten Creative Cloud's pricing power). MSTR/Bitcoin treasury vehicles dominate sentiment chatter, masking the underlying SaaS re-rating story.

See how Software - Application shapes $DAVE

  • Where the industry is in its cycle and the catalysts moving it now
  • What this means specifically for $DAVE's next move
  • Peer-basket or ETF benchmark you can use to gut-check the read
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Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-16.3%YTD
-16.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
17.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
43.8%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
34.9%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
8.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
84.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
87.1%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
1.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 5, 2026$4.02$2.64+52.3%
Q4 2025Mar 2, 2026$3.69$3.31+11.5%
Q3 2025Nov 4, 2025$4.24$2.29+85.2%
Q2 2025Aug 6, 2025$3.14$1.90+65.3%
Next earningsWed, Aug 5·consensus EPS $3.42

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$158.4M+46.7%86.9%37.6%$4.31$82.0M
Q4 FY25$163.7M+62.4%87.9%39.4%$4.88$91.5M
Q3 FY25$150.7M+63.0%86.7%30.5%$6.84$84.9M
Q2 FY25$131.8M+64.5%86.9%31.2%$0.68$68.1M

Forward consensus

3-year forecast · up to 9 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$714.9M$711.1M – $717.6M$15.93$14.50 – $16.939
FY27$854.2M$826.9M – $874.4M$19.18$17.17 – $21.158
FY28$1.0B$1.0B – $1.1B$24.56$21.14 – $27.983

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.4×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.97%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+22.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+43.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatTiny float · 9.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today8.9% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β3.885-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Know if $DAVE is setting up — or just chopping

  • Volume multiple vs 30-day baseline — catch unusual interest before the move
  • Position vs 50d & 200d MAs and 52-week range — trend direction at a glance
  • Float bucket, beta, and active-offering flags — what kind of stock you're trading
Free, forever. No credit card.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 5Dan PrestonDirector275 sh$71KSellJun 4Dan PrestonDirector275 sh$68KSellJun 2Kyle BeilmanCFO4.1K sh$1.1MSellJun 2Jason WilkCEO8.5K sh$2.3MSellMar 6Andrea MitchellDirector15.0K sh$3.2MSellMar 5Andrea MitchellDirector15.0K sh$3.2MSellFeb 2Michael W PopeDirector544 sh$88K
+ 11 other (7 awards · 2 inkinds · 1 gift · 1 other) in window

See when $DAVE insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteJun 28-K — Item 5.07: Shareholder vote
AI summary

Dave Inc. filed an 8-K (Item 5.07) on June 2, 2026 reporting results of its annual shareholder meeting held the same day. The excerpt is standard boilerplate header with no narrative body; vote results for director elections, say-on-pay, and any other proposals are in the attached exhibit. This is a routine annual meeting disclosure — no indication of contested votes or extraordinary proposals.

8-KMaterial agreementMar 98-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 3.02: Unregistered equity sale · Item 8.01: Other event
8-KMaterial agreementMar 68-K — Item 1.01: Material agreement · Item 8.01: Other event
8-KOfficer or director changeMar 28-K — Item 2.02: Earnings release · Item 5.02: Officer or director change · Item 8.01: Other event
3New insider — initial holdingsFeb 263
8-KAcquisition completedFeb 58-K — Item 2.01: Acquisition completed
8-KOfficer or director changeJan 218-K — Item 5.02: Officer or director change · Item 7.01: Press release / Reg FD
+ 13 other (6 13Gs · 2 proxys · 1 earnings 8-K · 1 10-Q) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Kevin Warsh will be much more discreet in how he speaks to markets, says Sen. Dave McCormickyoutube.com·2d agoDave & Buster's Stock Outlook Turns on a Back-to-Basics Turnaroundzacks.com·2d agoDave & Buster's Q1 Miss Raises the Stakes for Its Turnaround Planmarketbeat.com·2d agoDave & Buster's stock drops as consumer spending slowsinvezz.com·3d agoDave & Buster's Q1 Earnings & Revenues Miss on Weak Comps, Stock Downzacks.com·3d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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