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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 (289/wk), no spike
$DAVE·$5.1B·Software - Application·Technology
$363.60-3.4%YTD+69.6%1Y+92.8%
Price updated 11m ago·X counts updated 2d ago
DADAVE
$DAVEDave Inc.
$363.60-3.39%289 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.

289X posts · last 7 days
Aug 23Sep 7
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.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-08

Dave Inc is framed as the most misunderstood fintech with growing ARPU, growing customer base, strong profitability, and reasonable valuation — a company that benefits from a worse economy. Also Solana DAVE memecoin runner references.

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 numbersAcceleratingAI verdict · as of 2026-09-09

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

Dave is 47% revenue growth at a 35% operating margin and a 17x P/E — the cleanest small-cap fintech setup on the tape, and no one is talking about it.

Dave Inc. is a digital-first neobank with an unusually clean set of financials for a fintech — profitable, growing 47%, and trading at 17x earnings while most software peers are at 30-60x. The 46% run above the 200-day says the tape has started to notice.

  • The financials are legitimately elite: Q1 revenue of $158M was up 47% YoY at a 35% operating margin, a 44% ROIC, and an 8.5% FCF yield — every one of those numbers is top-decile for fintech, and none of them come with the interest-rate sensitivity that hits pure-lending peers.
  • The engagement dynamic is countercyclical in a useful way: Dave grows customers and ARPU faster when the consumer is stressed — the ExtraCash-limit-raise commentary in recent news says management is deliberately expanding the wallet share in exactly the environment where competitors pull back.
  • Insider activity is clean: only two F-InKind moves on Sep 4 (CEO Wilk's $2.9M and CFO Beilman's $1.4M) which are tax-withholding, not open-market sales — the top of the house isn't distributing at these levels, which is unusual for a stock up 93% in twelve months.

If Q3 earnings on Nov 3 confirms the ~40%+ growth cadence with ARPU expansion visible, the 17x P/E resets meaningfully higher and the run at fresh all-time highs continues. A credit-quality slip or a large-customer-cohort loss is what would stop it — this is priced conservatively enough that even a mediocre print doesn't hurt much.

Agrees with X sentimentAgree with the bullish X read — the 'most misunderstood fintech' framing is exactly right at 17x on 47% growth, 35% operating margin, and 44% ROIC. The Solana DAVE memecoin runner references are cashtag-adjacent and irrelevant to the equity thesis, but the substantive framing on the equity is spot on.

What to watch: Q3 earnings on Nov 3 — revenue growth cadence, ARPU expansion from ExtraCash-limit increases, and any credit-quality or charge-off commentary. Growth holding above 40% with ARPU up extends the run; a credit-quality slip or cohort loss is what would stop it.

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

low multiple growthcountercyclical engagementelite fintech metrics

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

SaaS deal cycles remain elongated outside AI-native workloads; rate-sensitive multiples are compressing pure-play revenue growth stories. AI co-pilot and agent automation upsell — NOW, CRM, SAP, WDAY, TEAM — is the only segment with clear near-term acceleration, while companies lacking AI differentiation are treading water on flat net-dollar-retention.

What this means for $DAVE

Neutral — Dave is a consumer fintech neobank offering overdraft advances and gig job matching; not an enterprise software vendor.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-3.6%YTD
-6.7%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$729.9M$725.6M – $735.7M$13.55$13.06 – $13.7910
FY27$889.9M$863.7M – $919.0M$19.86$17.58 – $21.439
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.75%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.+0.6%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.+46.4%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 today3.2% 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

SellJun 5Dan PrestonDirector275 sh$71KSellJun 4Dan PrestonDirector275 sh$68KSellJun 2Jason WilkCEO8.5K sh$2.3MSellJun 2Kyle BeilmanCFO4.1K sh$1.1M
+ 10 other (5 awards · 3 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-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.

DAVE INC (DAVE) Up 7% Since Last Earnings Report: Can It Continue?zacks.com·5d agoDave & Buster's Entertainment Needs More Time For Its Turnaround To Play Outseekingalpha.com·7d agoTHE HERSHEY COMPANY NAMES DAVE HULAYS CHIEF FINANCIAL OFFICERprnewswire.com·7d agoDave & Buster's Entertainment, Inc. to Report Second Quarter 2026 Financial Results on September 14, 2026globenewswire.com·8d agoDave Raises ExtraCash Limits: Is Monetization Set to Accelerate?zacks.com·13d 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 8 · 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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