Dave Inc. — Software - Application. Scored on the same transparent 7-signal model behind the daily rankings.
★
DAVE
Dave Inc. · Software - Application
FCF$320mC
Rev+59.7%A
D/E1.32C
P/E25.8xB+
PEG0.42A
71.7Score
$401.00$5.1B
1Y Target$347.55Analyst consensus · 11 analysts
5Y Target$438.77Compound horizon
10Y Target$562.71Long-dated conviction
FCF$320mTTM · 03/26C
FCF $320m — modest; watch for margin expansion · TTM computed from 4 most-recent quarters (TTM · 03/26).
Rev+59.7%FY YoYA
Revenue +59.7% — hypergrowth, top decile · Computed from last two annual revenue figures (FY YoY).
D/E1.32C
D/E 1.32 — more levered than most Technology peers (≈90th pctile)
P/E25.8xB+
P/E 25.8 — below the Technology median (≈40th pctile)
PEG0.42proxyA
PEG 0.42 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 71.7
Quality0.42
Growth1.00
Value0.87
Why this score
Diluting shareholders
Entry · Margin of safety
52-week rangeNear 52-week high
2% off the 12-month high
vs DCF fair value32% belowest. fair value ~$587
Why now
Software - Application · market cap $5.1b. Trading near 52-week high of $409.00 — momentum setup, limited technical margin of safety. Revenue growing +60% — in hypergrowth territory. PEG 0.42 — paying under fair value for the growth rate. 11 sell-side analysts rate this a Strong Buy with a mean 1-yr target of $347.55 (implying -13% upside).
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. FCF converts 142% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Beta 3.83 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. SaaS displacement — recurring revenue is sticky in good times but accelerates in churn during a downturn as customers consolidate vendors and renegotiate seat counts.
Horizon
1-3 yr $347.55 (11-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $438.77 at ~2% CAGR — dividend + buyback compounding. 10 yr $562.71 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Score history · DAVE
Trend
+3.6 over 14 daily scores
From 68.1 (Jun 22) → 71.7 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · DAVE
$
%
%
Shares to buy
4
Position size
$1,604
3.2% of portfolio
Stop price
$300.75
25% below $401.00
$ at risk if stopped
$401.00
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Dave Inc. (DAVE): score, valuation & FAQ
Dave Inc. (DAVE) is a Software - Application company that scores 71.7 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are Rev (A), PEG (A) and P/E (B+). On valuation, DAVE sits about 32% below our discounted-cash-flow fair value (a margin of safety).
Is DAVE a good stock to buy?
Bull Rankings scores DAVE 71.7 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by Rev (A), PEG (A) and P/E (B+). A score is a quantitative screen of Dave Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does DAVE score 71.7 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). DAVE earns its highest marks on Rev (A), PEG (A) and P/E (B+). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is DAVE overvalued or undervalued?
Based on $401.00, DAVE sits about 32% below our discounted-cash-flow fair value (a margin of safety). It trades at a 25.8x× P/E (graded B+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in DAVE?
Trading within 2% of the 52-week high — limited technical margin of safety; a momentum reversal would test conviction. Beta 3.83 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return. SaaS displacement — recurring revenue is sticky in good times but accelerates in churn during a downturn as customers consolidate vendors and renegotiate seat counts.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.