Stock analysis · Bull Rankings model

DAVE analysis

Dave IncFinancial Services. Scored on the same transparent 7-signal model behind the daily rankings.

DAVE
Dave Inc · Financial Services
FCF
Rev+79.2%A
D/E0.00A
P/E12.9xB+
PEG0.16A
87Score
$228.46
1Y Target$262.73Near-term target
5Y Target$367.94Compound horizon
10Y Target$540.85Long-dated conviction
FCFTTM
FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+79.2%TTM YoY
A
Revenue +79.2% — hypergrowth, top decile · TTM YoY from trailing-4-quarter revenue sum vs prior 4 quarters.
D/E0.00total
A
D/E 0.00 — essentially debt-free, pristine balance sheet · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E12.9x
B+
P/E 12.9 — at or below S&P median, reasonable
PEG0.16proxy
A
PEG 0.16 — 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).
Why now
Financial Services · market cap $2.9b. Down 21% from 52-week high of $287.69 — deep drawdown territory. Revenue growing +79% — in hypergrowth territory. PEG 0.16 — paying under fair value for the growth rate.
Moat
Net margin 37% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 85% — top-decile capital efficiency. Either pricing leverage, low capital intensity, or aggressive buybacks; the durability story depends on which.
Risk
Beta 3.92 implies above-market volatility — position-size to the drawdowns this name will produce in a market correction, not to its bull-case return.
Horizon
1-3 yr $262.73 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $367.94 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $540.85 if current growth sustains into durable earnings power.
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.
Shares to buy
8
Position size
$1,828
3.7% of portfolio
Stop price
$171.34
25% below $228.46
$ at risk
$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.

Analyze another ticker →