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Stock Research: Dave

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Dave

NMQ:DAVE US23834J1025
45
  • Value
    4
  • Growth
    81
  • Safety
    Safety
    86
  • Combined
    62
  • Sentiment
    45
  • 360° View
    360° View
    45
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Company Description

Dave Inc. specializes in neobanking and financial technology (fintech) services. The Company, through its fully integrated, mobile-first platform, delivers financial products designed to help underserved consumers manage their money more effectively. Its platform and products include ExtraCash and Dave Checking. ExtraCash is a 0% interest overdraft product offered through its bank partner that provides members with access to credit to bridge liquidity gaps between paychecks. Dave Checking is a digital demand deposit account offered through its bank partner with features, no account minimums or corresponding fees, and FDIC pass-through insurance eligibility that protects members from the failure of its bank partner. Dave Checking offers security controls such as multifactor authentication, contactless payment, instant card lock and protection against unauthorized purchases if cards are lost or stolen. Its personal financial management products include Budget, Side Hustle, and Surveys.

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ANALYSIS: With an Obermatt 360° View of 45 (better than 45% compared with alternatives), overall professional sentiment and financial characteristics for the stock Dave are below the industry average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for Dave. The consolidated Growth Rank has a good rank of 81, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 81% of competitors in the same industry. In addition, the consolidated Safety Rank has a safer rank of 86 which means that the company has a financing structure that is safer than 86% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. But the consolidated Value Rank has a less desirable rank of 4 which means that the share price of Dave is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is higher than for 96% of alternative stocks in the same industry. The consolidated Sentiment Rank also has a low rank of 45, which means that professional investors are more pessimistic about the stock than for 55% of alternative investment opportunities. ...read more

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Strongest Rank Price vs. Book (P/B)
Weakest Rank Stock Returns
Country USA
Industry Consumer Finance
Size Small
Website dave.com
Index
NASDAQ
Dave stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 13-Mar-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

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Metrics Current 2025 2024 2023
Value
4 28 72 74
Growth
81 79 52 73
Safety
Safety
86 37 46 15
Sentiment
45 60 18 10
360° View
360° View
45 48 42 49
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Metrics Current 2025 2024 2023
Analyst Opinions
97 89 1 11
Opinions Change
14 38 97 50
Pro Holdings
n/a 78 6 45
Market Pulse
18 13 9 1
Sentiment
45 60 18 10
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Metrics Current 2025 2024 2023
Value
4 28 72 74
Growth
81 79 52 73
Safety Safety
86 37 46 15
Combined
62 46 49 65
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
16 51 87 91
Price vs. Earnings (P/E)
6 34 55 55
Price vs. Book (P/B)
1 25 75 89
Dividend Yield
1 1 1 1
Value
4 28 72 74
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Metrics Current 2025 2024 2023
Revenue Growth
82 88 70 89
Profit Growth
70 28 100 6
Capital Growth
8 77 3 95
Stock Returns
100 97 41 45
Growth
81 79 52 73
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Metrics Current 2025 2024 2023
Leverage
54 11 12 57
Refinancing
33 62 96 24
Liquidity
100 51 36 1
Safety Safety
86 37 46 15

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Frequently Asked
Questions

The company has high growth and safe financing but is expensive (low Value Rank) and has low market sentiment. This is a warning that the stock may be too expensive. This is for an experienced growth investor willing to risk overpaying, but only after conducting thorough research on future growth potential.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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