Insider buying last 90 days
No open-market insider purchases were filed for DAVE in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every DAVE insider filing, plotted on the chart in Gekko.Open DAVE in Gekko
NASDAQ: DAVE
Dave (DAVE) Stock Analysis & Forecast
Sep 28 close
$320.70−4.18 (−1.3%)
Gekko Brief
AI summaryThis week's coverage frames Dave against fintech peer Sezzle, weighing product breadth, credit trends and monetization in a head-to-head "better bet" comparison, alongside a broader piece on how the company's turnaround since its earlier stock collapse has left investors divided. Neither item concerns new results or guidance, but both keep the narrative around Dave's growth trajectory and credit model in view.
Shares closed at $320.70, down 1.3%, sitting between the 50-day average of $364.74 and the 200-day average of $271.10, a mixed trend picture. The stock has fallen 14.3% over one month and 13.7% over three months, though it remains up 83.3% over six months and 43.6% over a year. The GekkoIndex reads 65.3, placing it in the Accumulation zone, up 3.7 over five days. Price sits 19.1% below Gekko Fair Value of $396.53.
The next earnings date falls on 3 November 2026, 35 days out, beyond a typical 20-trading-day hold; the prior report showed EPS of $0.49 against a $3.13 estimate, with a 14.9% reaction, and Dave has beaten estimates in 6 of 8 recent quarters. Options activity shows 1 unusual signal over the last 30 days, with put premium of $286,230 versus zero call premium. Seasonally, the next 20 trading days have averaged -3.1% over 5 years, higher in 2 of them. Analyst consensus stands at 12 buy, 2 hold, 0 sell across 14 firms, with a consensus target of $444.21.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Dave price vs fair value
Close $320.70200-day averageGekko Fair Value $396.53
Dave quick facts
- Market cap
- $4.31B
- P/E ratio
- 20.9
- Forward P/E
- 16.9
- EPS, TTM
- $15.53
- Revenue, TTM
- $643.7M
- Profit margin
- 34.6%
- Dividend yield
- —
- Beta
- 3.84
- Volume
- 308,787 avg 340,994
- 1-year return
- +43.6%
- Typical daily move
- ±6.2%
- Typical 20-day move
- ±16.2%
- 50-day average
- $364.74
- 200-day average
- $271.10
- Next earnings
- Nov 3
- Shares outstanding
- 11.44M
Dave swing-trade checklist
Dave scores 3 supportive, 1 mixed and 2 headwinds across the 6 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
3 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $320.70 sits between the 50-day ($364.74) and 200-day ($271.10) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
65.3, Accumulation
Reading 65.3 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
19.1% below
Price is 19.1% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyheadwind
Leans bearish
Last 30 days: 1 unusual options signal.
See smart money - Earnings risksupportive
Reports in 35 days
Next report Nov 3, 2026, 35 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−3.1% on average
From this point in the calendar, the next 20 trading days averaged −3.1% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Dave stock chart and price history
Dave closed at $320.70 on Sep 28, 2026, +43.6% over the past year, inside a 52-week range of $152.21 to $458.25.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −14.3%
- 3 months
- −13.7%
- 6 months
- +83.3%
- 1 year
- +43.6%
The full DAVE chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open DAVE in Gekko
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About Dave
Dave operates an online platform offering a range of personal finance tools built around everyday banking needs. Its best-known feature, Insights, helps members track income and spending between paychecks, while ExtraCash offers a free way to advance money into an account instead of relying on overdrafts or short-term loans. The platform also includes Side Hustle, a portal connecting users with job opportunities, rounding out its focus on practical money management.
The company organizes its offerings around a central digital account structure, anchored by Dave Banking, a checking and demand deposit product that ties its other services together. Together these tools serve members looking for everyday banking, budgeting help, and short-term cash access in one place, rather than through separate providers.
Dave was founded in 2015 and is based in West Hollywood, California. Its shares are listed on the NASDAQ under the ticker DAVE.
- Listed
- NASDAQ
- Sector
- Finance
- Industry
- Major banks
- Website
- dave.com
Dave GekkoIndex: the smart money zone
Dave’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 65.3, in the Accumulation zone, up 3.7 points over five sessions.
65.3Accumulation
Up 3.7 points over five sessions.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 15 | +7.7% | +9.3% | ||
| Accumulation (current zone) | 183 | +4.3% | +16.1% | ||
| Neutral | 400 | +1.7% | +11.1% | ||
| Distribution | 57 | +7.4% | +14.1% | ||
| Selling | 17 | Not available | |||
Average DAVE share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the DAVE price, zone by zone.Track DAVE in Gekko
Is Dave stock overvalued? Gekko Fair Value
Dave trades 19.1% below Gekko Fair Value of $396.53, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Dave shares are worth, recalculated every trading day.
$396.53
Gekko Fair Value, Sep 29, 2026
19.1% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open DAVE in Gekko
Dave insider and Congress trading
No open-market insider purchases were filed for Dave, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in DAVE were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for DAVE, plotted on the chart in Gekko.Open DAVE in Gekko
Buybacks
Dave has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $1.80M
- As a share of market cap
- 0.04%
- Trailing four quarters
- $237.0M
From company filings.
Unusual options activity last 30 days
1signal, 0% of the flagged premium in calls.
Latest: Bearish flow on Sep 10, $286K in unusual premium.
Hedge funds and billionaires quarter ended Jun 30
1of the funds Gekko tracks holds DAVE.
0added0opened1trimmed0sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko
Dave earnings: next date and track record
Dave reports on Nov 3, 2026 (35 days away), and beat the EPS estimate in 6 of its last 8 reports.
Next earnings report
Nov 3, 2026
35 days away
- EPS estimate
- $4.08
- Revenue estimate
- $191.1M
6 of 8reports beat the EPS estimate
±21.7%average move across the report
4 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 5, 2026 AI summary
- What they said
- Dave reported Q2 2026 revenue of $171M, up 30% YoY, marking the ninth consecutive quarter of 30%+ growth. Adjusted EBITDA grew 48% to $76M at a 44% margin. The company added 951K new members (+32% YoY) at a flat CAC of $19. ExtraCash originations reached $2.3B (+27% YoY) with average loan size hitting a record $215. Management raised full-year guidance on revenue, adjusted EBITDA, and diluted EPS.
- Guidance
- Management raised full-year 2026 guidance for revenue, adjusted EBITDA, and adjusted diluted EPS. Increased marketing spend in H2 is expected to accelerate member growth. Dave Flex Card is not expected to contribute meaningful revenue in 2026.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 5, 2026 | $0.49 est $3.13 | $170.8M est $171.1M | −14.9% |
| May 5, 2026 | $4.12 est $2.86 | $158.4M est $152.0M | −11.7% |
| Mar 2, 2026 | $4.57 est $3.31 | $163.7M est $160.6M | +8.0% |
| Nov 4, 2025 | $6.34 est $1.82 | $150.8M est $133.1M | +1.4% |
| Aug 6, 2025 | $0.68 est $1.43 | $131.7M est $113.2M | −19.9% |
| May 8, 2025 | $2.19 est $0.82 | $108.0M est $92.80M | +55.1% |
| Mar 3, 2025 | $1.34 est $0.50 | $100.9M est $95.89M | −10.2% |
| Nov 12, 2024 | $1.51 est −$0.11 | $92.49M est $80.70M | +52.6% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Dave stock forecast and analyst price targets
Analysts’ average 12-month price target for Dave is $444.21, +38.5% from the last close, from 14 firms rating the stock in the last 90 days.
$444.21consensus 12-month target, +38.5% from the last close
Now $320.70Avg $444.21
Low $260High $500
Each firm’s latest rating in the last 90 days: 14 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 15 | J.P. Morgan | $480 | +49.7% |
| Sep 8 | Loop Capital Markets | $500 | +55.9% |
| Sep 2 | Barrington | $440 | +37.2% |
| Aug 17 | Piper Sandler | $390 | +21.6% |
| Aug 6 | Evercore ISI | $260 | −18.9% |
+16.1%average 20-day move after past Accumulation readings
−3.1%average move over the next 20 trading days in the last 5 years
±6.2%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Dave seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Dave averaged −3.1% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +1.9% | 2 of 5 |
| Next 10 trading days | −1.5% | 2 of 5 |
| Next 15 trading days | −4.8% | 2 of 5 |
| Next 20 trading days | −3.1% | 2 of 5 |
| Next 30 trading days | +3.5% | 3 of 5 |
For scale, DAVE’s typical 20-trading-day move in either direction is about 16.2%.
Dave market cap and key statistics
Dave’s market cap is $4.31B, with a P/E ratio of 20.9 and revenue of $643.7M over the last twelve months.
Valuation
- Market cap
- $4.31B
- P/E ratio
- 20.9
- Forward P/E
- 16.9
- EPS, TTM
- $15.53
- Gekko Fair Value
- $396.53
Trading
- Volume
- 308,787
- Avg volume, 20 days
- 340,994
- 52-week high
- $458.25
- 52-week low
- $152.21
- Shares outstanding
- 11.44M
Financials
- Revenue, TTM
- $643.7M
- Profit margin
- 34.6%
- Return on equity
- 104.8%
- Quarterly earnings growth, YoY
- −21.0%
Risk and income
- Beta
- 3.84
- Typical daily move
- ±6.2%
- Typical 20-day move
- ±16.2%
Dave stock news this week
2 headlines about Dave from the past week, newest first, each linking to the publisher.
- SEZL vs. DAVE: Which Consumer Fintech Stock Is the Better Bet?Zacks Investment Research, Sep 25
- Dave's Success Has Investors SplitMarketBeat, Sep 25
Dave peers
Dave’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| JPMJP Morgan Chase | Accumulation | 6.9% below |
| BACBank of America | Buying | 13.8% below |
| RYRoyal Bank Of Canada | Accumulation | 3.6% below |
| WFCWells Fargo | Accumulation | 12.4% below |
| CCitigroup | Neutral | 7.8% below |
| TDToronto Dominion Bank | Accumulation | 0.8% above |
A peer links to its own page where one exists.
Dave stock FAQ
What is Dave’s market cap?
Dave’s market cap is $4.31B at the Sep 28, 2026 close of $320.70, with 11.44M shares outstanding. The shares trade on a P/E ratio of 20.9.
What is the Dave stock forecast?
The consensus analyst 12-month price target for Dave is $444.21, +38.5% from the last close. Of the 14 firms that rated the stock in the last 90 days, 12 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Dave stock overvalued or undervalued?
On Gekko’s estimate Dave is undervalued: the Sep 28, 2026 close of $320.70 is 19.1% below Gekko Fair Value of $396.53. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Dave report earnings next?
Dave is expected to report on Nov 3, 2026 (35 days away). Analysts expect earnings of $4.08 per share on revenue of $191.1M. Dave beat the earnings estimate in 6 of its last 8 reports, moving 21.7% on average across the report.
What is Dave’s 52-week high and low?
Dave’s 52-week high is $458.25 and its 52-week low is $152.21; it closed at $320.70 on Sep 28, 2026, +43.6% over the past year. Over the last five years the shares peaked at $491.07 on Feb 2, 2022.
Is Dave stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 6 items with data read as supportive (gekkoindex, fair value and earnings risk), 1 as mixed (trend) and 2 as headwinds (smart money and seasonality). The checklist is a description of current data, not a recommendation.
Is there unusual options activity in Dave?
Gekko flagged 1 unusual options signal in Dave over the last 30 days, with $0 of flagged premium in calls and $286K in puts. The latest, bearish flow, was on Sep 10, 2026 with $286K in unusual premium. The signal-by-signal table is in Gekko.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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