DAVE vs the Top Picks average
| Pillar | DAVE | Book avg | Diff |
|---|---|---|---|
| Quality | 0.42 | 0.84 | -0.42 |
| Growth | 0.99 | 0.84 | +0.15 |
| Value | 0.78 | 0.78 | in line |
Averaged across the 30 names in today's Top Picks (mean score 81.5). A name can beat these averages and still be absent from the book — it also applies concentration limits.
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.
Analyst estimate revisions
| 30-day change | +3.3% |
|---|---|
| 90-day change | +6.4% |
| Forward EPS estimate | $21.98 |
Over the last 90 days, what analysts expect DAVE to earn is materially higher (+6.4%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
A rising estimate means expectations are improving, not that the price has failed to keep up — and estimates get cut as readily as they get raised. It is not part of the Bull Rankings score. Biggest movers across the market →
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.
Latest DAVE developments
Recent headlines from across the financial press · updated daily. Links open the source.
- DAVE 260821 495.00P (DAVE260821P495000) Stock Options Chain | Quotes & NewsMoomoo ·
- Dave's CashAI V6: Can Smarter Underwriting Lift ARPU?Yahoo Finance ·
- Royal Bank of Canada Has $1.84 Million Stock Position in Dave Inc. $DAVEMarketBeat ·
- Dave: Credit Quality Determines The ValuationSeekingAlpha ·
- Dave: Steady Member Base And Growing CashAI Keep This Stock A BuySeekingAlpha ·
- Dave: Credit Quality Determines The Valuation (NASDAQ:DAVE)Seeking Alpha ·
Dave Inc. (DAVE): score, valuation & FAQ
Dave Inc. (DAVE) is a Software - Application company that scores 68.9 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 39% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 2% annual free-cash-flow growth over the next decade.
Is DAVE a good stock to buy?
Bull Rankings scores DAVE 68.9 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 68.9 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 $360.30, DAVE sits about 39% below our discounted-cash-flow fair value (a margin of safety) — the current price implies roughly 2% annual free-cash-flow growth over the next decade. It trades at a 23.2x 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?
Skeptics will point to DAVE's elevated valuation and the inherent risks of its business model, which our model's weak Quality pillar score of 42/100 highlights, alongside a "Diluting shareholders" caution. Despite strong growth, the company's P/E of 23.5 and PS of 7.7 are demanding for a firm with a high debt-to-equity of 1.32, suggesting vulnerability to rising interest rates or a slowdown in consumer spending. A sustained deceleration in revenue growth below 40% or a material increase in debt without corresponding FCF growth would confirm the bear case.
New to these metrics? The guides explain free cash flow, how the score works, and more in the learn hub — or run another name through the screener.
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 advisor.