---
title: "Dave Inc. (DAVE.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/DAVE.US.md"
symbol: "DAVE.US"
name: "Dave Inc."
industry: "Consumer Finance"
datetime: "2026-05-19T19:14:55.684Z"
locales:
  - [en](https://longbridge.com/en/quote/DAVE.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/DAVE.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/DAVE.US.md)
---

# Dave Inc. (DAVE.US)

## Company Overview

Dave Inc. provides various financial products and services through its financial services platform in the United States. It offers Budget, personal financial management tool that helps members anticipate upcoming transactions and receive notifications by utilizing historical bank account data to identify recurring charges; ExtraCash, a form of a discretionary overdraft to bridge liquidity gaps between paycheck; Side Hustle, a job application portal to find supplemental or temporary work. The company also provides Dave Checking, a digital demand deposit account.

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Exchange | US Market |
| Website | [dave.com](https://dave.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:12.000Z

**Overall: B (0.22)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 10 / 57 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Growth - Stocks whose main business is in the growth stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 58.52% |  |
| Net Profit YoY | 329.02% |  |
| P/B Ratio | 15.01 |  |
| Dividend Ratio | 0.00% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3058539258.32 |  |
| Revenue | 604617000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 111.59% | A |
| Profit Margin | 37.21% | A |
| Gross Margin | 71.66% | A |
| Revenue YoY | 58.52% | A |
| Net Profit YoY | 329.02% | A |
| Total Assets YoY | 68.07% | A |
| Net Assets YoY | 2.16% | C |
| Cash Flow Margin | 145.25% | B |
| OCF YoY | 58.52% | A |
| Turnover | 1.43 | A |
| Gearing Ratio | 61.59% | D |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Dave Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "58.52%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "329.02%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "15.01",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "0.00%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "3058539258.32",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "604617000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "111.59%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "37.21%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "71.66%",
          "rating": "A"
        },
        {
          "name": "Revenue YoY",
          "value": "58.52%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "329.02%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "68.07%",
          "rating": "A"
        },
        {
          "name": "Net Assets YoY",
          "value": "2.16%",
          "rating": "C"
        },
        {
          "name": "Cash Flow Margin",
          "value": "145.25%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "58.52%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "1.43",
          "rating": "A"
        },
        {
          "name": "Gearing Ratio",
          "value": "61.59%",
          "rating": "D"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 13.59 | 31/57 | 53.41 | 21.47 | 15.91 |
| PB | 15.01 | 48/57 | 14.20 | 11.48 | 8.55 |
| PS (TTM) | 5.06 | 44/57 | 7.14 | 6.21 | 5.13 |
| Dividend Yield | 0.00% | - | - | - | - |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | NerdWallet (NRDS.US) | A | B | A | A | B | A |
| 02 | Capital One Financial (COF.US) | C | B | E | A | A | B |
| 03 | Synchrony Financial (SYF.US) | B | B | E | A | B | B |
| 04 | Kaspi.KZ JSC (KSPI.US) | A | A | C | E | B | B |
| 05 | Ally Financial (ALLY.US) | C | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-12T04:00:00.000Z

Total Analysts: **9**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 6 | 67% |
| Overweight | 3 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 243.46 |
| Highest Target | 365.00 |
| Lowest Target | 290.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/DAVE.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/DAVE.US/norm.md)
- [Related News](https://longbridge.com/en/quote/DAVE.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/DAVE.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**