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TickerTalks›$DAVE
DADAVE

Dave Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 47% YoY at strong marginsStreet coverage with positive forward estimatesConsistent chatter on X (916/wk), no spike
$DAVE·$4.7B·Software - Application·Technology
$378.36+1.8%YTD+67.4%1Y+38.5%
Mentions · last 7 days
2026-06-23: 18 posts2026-06-24: 21 posts2026-06-25: 20 posts2026-06-26: 11 posts2026-06-27: 807 posts2026-06-28: 10 posts2026-06-29: 29 posts916+1033%
Price updated 15m ago·X counts updated 21h ago
DADAVE
$DAVEDave Inc.
$378.36+1.81%916 posts+1033%
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 2026-06-29

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

Dave Inc has gone from $5 to $355 in three years on real fintech mechanics — 47% growth, 38% operating margin, and a float so tight the chart is hard to chase.

Dave Inc is the underbanked-focused neobank whose ExtraCash advance product and Dave Banking layer are designed for customers most national banks ignore. The +43% twelve-month move continues a multi-year rebuild from near-bankruptcy in 2022.

Where it stands now:

  • Q1 revenue grew 47% YoY to $158M with an 87% gross margin and a 38% operating margin — those are platform-grade fintech metrics, and three of the last four quarters showed 40%+ growth with the same operating profile.
  • Trailing P/E is 17x, ROIC is 44%, and FCF yield is 8.5% — that combination is unusual for a 47%-growth fintech and is the cleanest argument the bulls have for a continued multi-bagger trajectory.
  • The float is structurally tiny: only 9.76M shares (the 'tiny' float bucket), which means the stock can move 30-40% on modest volume in either direction — the trajectory is real but mechanically violent.
  • Insider activity is mixed: CEO Wilk sold $2.3M on June 4 (a routine 10b5-1 sale), director Preston took small trims totaling $140K — modest in dollar terms but worth flagging because of how tight the float is.

The acceleration runs as long as the underbanked-customer growth and ExtraCash usage trends hold. August 5 earnings is the next test: revenue growth holding above 40%, operating margin staying at 38%, and explicit ExtraCash adoption metrics extends the move; a growth slip below 35% combined with continued executive trimming in a 9.8M-float would punish quickly at a 98th-percentile chart position.

Agrees with X sentimentX is uniformly bullish on the fintech-rotation thesis, the underbanked-focused thesis as an alternative to SoFi, and the float-is-too-tight-to-chase framing; the mechanics back it directly — 47% revenue growth, 38% operating margin, 44% ROIC, 8.5% FCF yield — and the bears are essentially absent, which is honest given the income statement.

What to watch: August 5 Q2 earnings — revenue growth holding above 40%, operating margin staying at 38%, and explicit ExtraCash adoption metrics extends the move; growth slipping below 35% combined with continued executive trimming in a tiny float invites a fast 25% pullback.

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

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment21 posts analyzed · as of 2026-06-29

Dave is a fintech monster gone from $5 three years ago to $325. EPS trajectory: 2023 -$4.07, 2026 +$16.71, 2028E +$27.83. The stock is back above IPO/Despac price for the first time since 2021 after near-bankruptcy. Massive rotation into fintech (DAVE, SEZL, AFRM) on the rates-down/consumer-up thesis. Bulls cite the company's whole business is overdraft, framing it as cleaner than SOFI. Bears mostly note tactical chase fatigue. The weekly chart breakout from a long consolidation is being highlighted. Tone is loud bullish on the fintech rotation.

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.

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

AI agent adoption is bifurcating the software landscape — platforms where agents expand contract value (ServiceNow, Snowflake) are re-rated upward, while tools where agents substitute human users (Adobe Creative Cloud) face multiple compression. The divergence accelerates as enterprise buyers reallocate budgets toward agentic automation.

What this means for $DAVE

Neutral — Dave's digital consumer banking platform serves a different buyer than the enterprise software market being bifurcated by AI agent adoption.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-15.6%YTD
-17.9%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
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$15.48 – $16.489
FY27$854.2M$826.9M – $874.4M$19.18$17.73 – $20.548
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.1.0×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.99%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.+36.2%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.+67.1%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 today6.6% 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.

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 2Jason WilkCEO8.5K sh$2.3MSellJun 2Kyle BeilmanCFO4.1K sh$1.1MSellMar 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
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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.

DAVE vs. SOFI: Which Fintech Stock Should You Invest In Now?zacks.com·1d agoOpenAI's Dave Dugan explains how ChatGPT is building a new ad categorybusinessinsider.com·4d agoFirst Horizon Earns Recognition from the Dave Thomas Foundation for the 18th Yearprnewswire.com·5d agoDave's Customer Engagement Strengthens: A Key to User Scalabilityzacks.com·6d agoDave & Buster's Q1 Miss Raises the Stakes for Its Turnaround Planmarketbeat.com·7d 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 15 · 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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