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TickerTalks›$DAVE
DADAVE

Dave Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (75 mentions/wk)
$DAVE·$4.4B·Software - Application·Technology
$324.19+1.1%YTD+44.5%1Y+52.1%
Price updated 4m ago·X counts updated 2d ago
DADAVE
$DAVEDave Inc.
$324.19+1.09%75 posts0.9×
AI analysisFundamentalsVoices on X
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On X

Top X posts

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.

75X posts · last 7 days
Sep 11Sep 27
Chatter Meter
0.9×
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 numbersWinding up for a moveAI verdict · as of 2026-09-29

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Dave up 44% YTD with 47% revenue growth at 17x earnings — big Carroll insider sales offset by continued execution.

Dave Inc. is the consumer-fintech-app leader targeting cash-flow advances and banking for underbanked Americans. The stock has coiled at 55% of the 52-week range on continued execution.

  • Growth is exceptional: revenue $158M last quarter up 47% year-on-year with 87% gross margin and 38% operating margin — this is a business with genuine unit economics generating $82M free cash flow per quarter.
  • The beat cadence is strong: last three EPS surprises of 11.7%, 27.3% and 38.1% — the Q1 38% surprise reset the analyst-model trajectory materially, and each quarter has been solidly above consensus.
  • Insider selling is the honest tension: Brendan Carroll sold $23.9M+ across three 9-14 transactions plus a Wilk $10.9M variable prepaid forward on 9-11 — $34M+ of insider capital return during the strong run.

The 11-3 print is where either a fourth consecutive strong quarter plus updated ARPU commentary extends the leg or another modest quarter keeps the range. Watch monthly active member growth, ARPU trajectory, and any explicit new-product commentary.

Agrees with X sentimentX's mixed read (Solana memecoin +190% quick moves alongside one substantive bull equity thread calling Dave 'most misunderstood fintech' with growing ARPU, customer base, profitability, reasonable valuation) captures the fundamental setup correctly. The bull framing on Dave the equity is the substantive signal.

What to watch: 11-3 earnings — monthly active member growth, ARPU trajectory, and any new-product commentary. A fourth consecutive strong quarter extends the leg; another modest quarter keeps the range.

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

float missing

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

No material change from last week — 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 whi.

What this means for $DAVE

Partial — Neobank offering fee-free overdraft advances (ExtraCash), budgeting tools, and a gig job marketplace.; AI feature integration is the primary renewal variable in enterprise SaaS; execution on AI roadmap determines re-rating potential.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-1.0%YTD
-9.1%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 $4.08

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 11 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$730.0M$724.9M – $735.0M$13.45$13.20 – $13.5511
FY27$893.7M$859.6M – $933.9M$19.95$18.47 – $20.7910
FY28$1.1B$1.1B – $1.2B$27.53$23.70 – $31.373

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.0.9×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.55%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.-12.1%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.+18.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

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

SC 13D/AActivist amendmentSep 15SC 13D/A
AI summary

Jason Wilk, CEO and 11.8% holder of Dave Inc. (DAVE), disclosed entering a variable prepaid forward contract on September 11, 2026, pledging 37,090 shares and receiving $10.9 million upfront, with settlement approximately August 30, 2029. Wilk retains voting rights during the contract period and continues to hold 1,530,172 total shares (11.8%). The pledged share count is roughly 2.4% of his total holdings, limiting dilution concerns. Insider monetization via prepaid forwards is a common mechanism for executives managing concentrated equity positions.

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.

+ 13 other (6 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.

SEZL vs. DAVE: Which Consumer Fintech Stock Is the Better Bet?zacks.com·4d agoDave's Success Has Investors Splitmarketbeat.com·4d ago2,434 Shares in Dave Inc. $DAVE Purchased by Squarepoint Ops LLCdefenseworld.net·11d agoWhy Dave & Buster's Stock Tumbled Todayfool.com·14d agoCould Dave & Buster's Capitulation Signal the Bottom Is Finally In?marketbeat.com·14d 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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