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DADAVE

Dave Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (40 mentions/wk)
$DAVE·$4.7B·Software - Application·Technology
$365.83-2.4%YTD+64.8%1Y+70.8%
Price updated 10h ago·X counts updated 3d ago
DADAVE
$DAVEDave Inc.
$365.83-2.36%40 posts1.1×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $DAVE on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

40X posts · last 7 days
Aug 31Sep 13
Chatter Meter
1.1×
QuietNormal · 1×Loud

How loud $DAVE's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Neutral sentimentAI analysisGenerated by AI from underlying data9 posts analyzed · as of 2026-09-11

The $DAVE cashtag is mostly a Solana memecoin (+190% quick move, 7x ATM, hit wallet 41 min ago) — but one substantive equity thread from a bull calls Dave the most misunderstood fintech (growing ARPU, growing customer base, strong profitability, reasonable valuation). Sample majority crypto but a real equity thesis surfaces.

Read what X is saying about $DAVE

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $DAVE — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersCooling offAI verdict · as of 2026-09-15

Catching its breath after a run — could pick back up or fade from here.

Neobank Dave up 65% YTD with 47% revenue growth — director Carroll's $24M sale is the loudest signal.

Dave Inc. is a US-based neobank and consumer-banking-app operator focused on subprime and thin-file customers, running ExtraCash and interest-earning products. The stock is up 65% year-to-date and 67% over twelve months, but director Brendan Carroll's fresh $24M sale is the loudest tape signal.

  • The economics are exceptional: revenue grew 47% year-over-year last quarter to $158M with an 87% gross margin, 35% operating margin, and $82M FCF, because Dave's underwriting and ARPU expansion is genuinely working — the 17x P/E on 44% ROIC is one of the cheaper fintech setups given the growth.
  • The insider tape is a serious counterweight: director Brendan Carroll sold 65,000 shares at $368 on Sept 14 across three prints for ~$23.9M — that's a huge single-day insider distribution, into 70% of the 52-week range and after a big run.

Nov 3 Q3 earnings and any explicit ARPU-plus-customer-count growth disclosure are the fulcrum — revenue growth staying above 40% combined with continued margin expansion is the run-continuation; a merely in-line print combined with continued director selling stalls the setup.

Differs from X sentimentThe $DAVE cashtag chatter is mostly a Solana memecoin (+190% quick move, 7x ATM hit wallet) — different asset than Dave Inc. the neobank. On the actual equity, the read is the operational strength versus director Carroll's $24M distribution. The single bull equity thread has substance, but the tape isn't fully absorbing the insider signal.

What to watch: Nov 3 Q3 earnings — revenue growth above 40% plus continued margin expansion is the run-continuation; in-line print with continued director selling stalls the setup.

On the calendar: 2026-11-03 — Q3 earnings

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

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

Neobank offering fee-free overdraft advances (ExtraCash), budgeting tools, and a gig job marketplace.

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

Adobe Q3 lifted guidance with triple-digit AI-first ARR, validating the AI upsell bifurcation: vendors embedding AI agents into core workflows (NOW, CRM, SAP, WDAY, TEAM, ADBE) are re-accelerating while pure-play SaaS without clear AI differentiation faces flat NDR and rate-compressed multiples. IGV -9.7% T12M reflects the laggard drag on the index.

What this means for $DAVE

Neutral — Dave Inc. is a consumer neobank offering overdraft advances and budgeting tools; revenue from interchange and ExtraCash fees, not AI enterprise software.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-1.4%YTD
-6.9%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
Q2 2026Aug 5, 2026$4.12$3.69+11.7%
Q1 2026May 5, 2026$3.64$2.86+27.3%
Q4 2025Mar 2, 2026$4.57$3.31+38.1%
Q3 2025Nov 4, 2025$6.34$1.82+248.4%
Next earningsTue, Nov 3·consensus EPS $4.35

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 10 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$729.8M$725.5M – $735.6M$13.55$13.06 – $13.7910
FY27$890.8M$864.6M – $919.9M$19.86$18.78 – $21.1210
FY28$1.1B$1.1B – $1.2B$27.56$23.73 – $31.403

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.0.7×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.70%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.-2.9%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.+37.6%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 today2.7% 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.β3.845-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.

Insider activity

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

Recent transactions

SellSep 14Brendan CarrollDirector33.5K sh$12.3MSellSep 11Brendan CarrollDirector16.2K sh$6.0MSellSep 10Brendan CarrollDirector15.4K sh$5.7MSellSep 4Brendan CarrollDirector300.0K sh$110.4MSellJun 5Dan PrestonDirector275 sh$71KSellJun 4Dan PrestonDirector275 sh$68KSellJun 2Jason WilkCEO8.5K sh$2.3MSellJun 2Kyle BeilmanCFO4.1K sh$1.1M
+ 11 other (5 awards · 3 others · 2 inkinds · 1 gift) 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-KOfficer or director changeAug 148-K — Item 5.02: Officer or director change
AI summary

Dave Inc. director Yadin Rozov resigned from the Board of Directors effective August 12, 2026 for personal reasons, with no disagreements with the company on any operational matter. Routine board change; no financial impact.

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.

+ 14 other (7 13Gs · 2 10-Qs · 2 earnings 8-Ks · 2 proxys) in window

Recent news

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

Why Dave & Buster's Stock Tumbled Todayfool.com·1d agoCould Dave & Buster's Capitulation Signal the Bottom Is Finally In?marketbeat.com·2d agoDave & Buster's Stock Plunges After a Surprise Lossinvestopedia.com·2d agoDave and Buster's Stock Gaps Lower on Earnings Fumbleschaeffersresearch.com·2d agoDave & Buster's Retreats 4% on Sales Miss; Six Flags Slips 2%, Lucky Strike Entertainment Falls 1%247wallst.com·2d ago

In themes

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

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $DAVE on X in the 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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