DAVE stock forecast, quote, news & analysis
Dave Inc is a financial services company... Show more
Why Dave Inc. (DAVE) Is Up +24% in the Last 30 Days
Key Takeaways
- DAVE stock rose approximately +24% over the past 30 days, driven by strong Q1 2026 earnings that beat expectations on revenue and profitability.
- Over the past quarter, the stock gained around +37%, fueled by consistent revenue growth, AI-driven credit improvements, and aggressive share repurchases.
- Key catalysts include 47% year-over-year revenue growth to $158.4 million in Q1, record-low delinquency rates, and multiple analyst price target increases post-earnings.
- Raised full-year 2026 guidance for revenue, adjusted EBITDA, and EPS signals sustained momentum in the fintech sector.
- Share repurchases totaling $195 million, or 7% of outstanding shares, supported price appreciation amid positive market sentiment.
Dave Inc. (DAVE) Company Overview and Market Position
Dave Inc. (DAVE) is a financial technology company offering a mobile banking app designed to make financial services accessible, particularly for underbanked consumers. Its core products include ExtraCash, a short-term cash advance alternative to payday loans and overdraft fees; Budget, a personal financial management tool; Dave Checking, a digital demand deposit account; and Side Hustle, a job portal for supplemental income. Operating in the competitive fintech industry, Dave differentiates through its AI-powered underwriting system, CashAI, which analyzes cash flow patterns to extend credit without traditional checks. With over 14 million members, the company's subscription-based model (monthly fees) combined with origination and interchange fees drives revenue. Strong fundamentals, such as improving net monetization rates and low customer acquisition costs, underpin recent stock price strength by demonstrating scalable growth and operational efficiency in a high-interest-rate environment favoring efficient lenders.
Dave Inc. (DAVE) Stock Price Performance: Last 30 Days vs. Quarter
Over the last 30 days, DAVE stock advanced approximately +24%, moving from around $195 in mid-April to $242 recently. The movement was volatile but trend-driven, peaking near $264 post-earnings before a modest pullback, reflecting profit-taking amid broader market trends.
For the past quarter, the stock surged +37%, from roughly $177 in mid-February to current levels. This steady uptrend featured sharp gains around earnings releases, with range-bound consolidation earlier, highlighting resilience and responsiveness to company-specific news over macroeconomic noise.
What Drove DAVE Stock Price in the Last 30 Days
The primary catalyst was Dave's Q1 2026 earnings release on May 5, which reported revenue of $158.4 million, up 47% year-over-year, beating consensus estimates. Net income doubled to $57.9 million, while adjusted EBITDA climbed 57% to $69.3 million, with margins at 44%. Record-low 28-day past-due rates of 1.69% showcased CashAI's efficacy in credit risk management, boosting investor confidence in profitability.
Following the report, the company raised 2026 guidance: revenue to $710-$720 million (29% growth), adjusted EBITDA to $305-$315 million, and adjusted diluted EPS to $16.25-$16.75. Analysts responded with price target hikes, including Citizens to $365, Keefe Bruyette to $340, Canaccord to $342, and Lake Street to $332, all maintaining buy ratings. These upgrades fueled buying interest. Additionally, $195 million in share repurchases signaled management's belief in undervaluation, directly supporting the price rally amid positive fintech sector sentiment.
What Drove DAVE Stock Performance Over the Last Quarter
The quarter's +37% gain built on sustained operational momentum, starting from Q4 2025 strength where revenue grew over 60% for three straight quarters. AI enhancements in CashAI drove ExtraCash originations up 37% to $2.1 billion in Q1, with monthly transacting members rising 18% to 2.99 million. This expanded average revenue per user (ARPU) and net monetization to 5.1%, the highest in years.
Macro tailwinds included stabilizing interest rates benefiting short-term lending demand, while fintech peers like NU showed sector vitality. Institutional buying and low short interest amplified gains. Cumulative impacts from prior earnings beats, convertible notes for liquidity ($175 million priced in March), and repurchases overshadowed earlier regulatory noise from FTC suits, positioning Dave as a profitable disruptor versus traditional banks.
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DAVE Stock Forecast Drivers: What Investors Should Watch Next
Investors should monitor upcoming Q2 earnings for continued revenue acceleration and credit metrics, alongside progress on Dave Flex testing. Industry trends in AI underwriting and embedded finance could amplify growth. Macro factors like Federal Reserve rate decisions and consumer spending resilience remain key, as do regulatory developments in fintech lending. Strategic moves such as further repurchases, partnerships, or product expansions (e.g., higher ExtraCash limits) may sway sentiment. Risks include delinquency upticks from economic softening or competitive pressures from neobanks.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
Aroon Indicator for DAVE shows an upward move is likely
DAVE's Aroon Indicator triggered a bullish signal on July 02, 2026. Tickeron's A.I.dvisor detected that the AroonUp green line is above 70 while the AroonDown red line is below 30. When the up indicator moves above 70 and the down indicator remains below 30, it is a sign that the stock could be setting up for a bullish move. Traders may want to buy the stock or look to buy calls options. A.I.dvisor looked at 194 similar instances where the Aroon Indicator showed a similar pattern. In of the 194 cases, the stock moved higher in the days that followed. This puts the odds of a move higher at .
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for DAVE just turned positive on May 28, 2026. Looking at past instances where DAVE's MACD turned positive, the stock continued to rise in of 48 cases over the following month. The odds of a continued upward trend are .
Following a 3-day Advance, the price is estimated to grow further. Considering data from situations where DAVE advanced for three days, in of 303 cases, the price rose further within the following month. The odds of a continued upward trend are .
Bearish Trend Analysis
The RSI Indicator demonstrates that the ticker has stayed in the overbought zone for 4 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
The Stochastic Oscillator demonstrated that the ticker has stayed in the overbought zone for 14 days. The longer the ticker stays in the overbought zone, the sooner a price pull-back is expected.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where DAVE declined for three days, the price rose further in of 62 cases within the following month. The odds of a continued downward trend are .
DAVE broke above its upper Bollinger Band on June 26, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is (best 1 - 100 worst), indicating steady price growth. DAVE’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (19.342) is normal, around the industry mean (25.975). P/E Ratio (19.879) is within average values for comparable stocks, (73.877). DAVE's Projected Growth (PEG Ratio) (0.000) is slightly lower than the industry average of (1.392). Dividend Yield (0.000) settles around the average of (0.052) among similar stocks. P/S Ratio (7.386) is also within normal values, averaging (52.686).
The Tickeron Profit vs. Risk Rating rating for this company is (best 1 - 100 worst), indicating that the returns do not compensate for the risks. DAVE’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 95, placing this stock better than average.
The Tickeron PE Growth Rating for this company is (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
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