AU · rank #17 · 2026-09-04
DAVE
NASDAQ · $4.59B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 1.103 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.92 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 7 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.171 |
| Analyst upside Consensus target $436.58 | +11.7% |
| Momentum acceleration 3-month minus 12-month momentum. | +26.39% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.75 |
| Gross margin TTM | +71.7% |
| 52w high | $458.25 |
| Market cap (USD) | $4.59B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Dave Inc. is a U.S. consumer fintech neobank offering cash advances and checking accounts designed to help underbanked consumers avoid overdraft fees and manage short-term liquidity.
Rationale
The analyst_upside strategy is reinforced by a 62% YoY revenue beat, a 25% Q4 EPS surprise, 6 target raises in 30 days, 88.9% revision agreement among 13 analysts, and sustained EPS estimate lifts across 7-, 30-, 60-, and 90-day windows — all pointing to a credible, broad-based upward re-rating still in progress.
Material risks
- 1Regulatory action targeting cash-advance fee structures or earned-wage access products could directly impair Dave's core revenue model, which is the single most concentrated business risk given the entire revenue base depends on a product category under active legislative scrutiny.
- 2Competitive replication risk is high — incumbent banks and large fintechs can and do offer overdraft-avoidance and early-pay features, capping Dave's pricing power and threatening user retention without a durable technical moat to defend market share.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.