Dave Inc. (DAVE)
Technology · NGM
Price as at 2 Oct 2026, 00:58 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Dave Inc. trades at $339.59, which is 77% below the $599.83 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 83 out of 100, which is a wide moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 28.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
DAVE earnings and analyst estimates
Recommendation mix, 12 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Dave Inc.
Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account. Dave Inc. was founded in 2015 and is headquartered in Los Angeles, California.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
DAVE passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
8 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$136.88M · 0.2% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$18.62M · 0.0% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$18.41M · 0.0% of book
- Marshall Wace, MARSHALL WACE, LLP$14.88M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$14.72M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
DAVE peers
The largest companies in the same industry (Software - Application), then in the same sector.
- SAPGF SAP SE
- CRM Salesforce, Inc.
- UBER Uber Technologies, Inc.
- ADBE Adobe Inc.
- BSP Bending Spoons S.p.A.
- DIDIY DiDi Global Inc.
- QNT Quantinuum Inc.
- GRAB Grab Holdings Limited
Every technology company we cover is on the Technology hub.
Common questions
Is Dave Inc. (DAVE) undervalued?
Against our fair value estimate of $599.83, DAVE at $339.59 is 77% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own DAVE?
8 of the institutions we track reported a position in DAVE in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is DAVE's P/E ratio?
DAVE trades at 28.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its DAVE data?
Fundamentals for DAVE come from company filings and exchange data, as listed on NGM; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 2 Oct 2026, 00:58 UTC and is delayed. Our data quality score for this company is 96/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for DAVE, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.