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Stock Research: Dave

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Dave

NMQ:DAVE US23834J1025
59
  • Value
    4
  • Growth
    75
  • Safety
    Safety
    76
  • Combined
    41
  • Sentiment
    79
  • 360° View
    360° View
    59
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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 59 (better than 59% compared with alternatives), overall professional sentiment and financial characteristics for the stock Dave are above average. The 360° View is based on consolidating four consolidated indicators, with all but one indicator above average for Dave. The consolidated Growth Rank has a good rank of 75, 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 75% of competitors in the same industry. The consolidated Safety Rank at 76 means that the company has a financing structure that is safer than 76% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. Finally, the consolidated Sentiment Rank has a good rank of 79, which means that professional investors are more optimistic about the stock than for 79% of alternative investment opportunities. But the consolidated Value Rank is less desirable at 4, meaning that the share price of Dave is on the higher side compared with indicators such as revenues, profits, and invested capital. This means the stock price is higher than for 96% of alternative stocks in the same industry. ...read more

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Strongest Rank Price vs. Book (P/B)
Weakest Rank Liquidity
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: 26-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

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
4 28 72 74
Growth
75 79 52 73
Safety
Safety
76 37 46 15
Sentiment
79 60 18 10
360° View
360° View
59 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
65 13 9 1
Sentiment
79 60 18 10
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Metrics Current 2025 2024 2023
Value
4 28 72 74
Growth
75 79 52 73
Safety Safety
76 37 46 15
Combined
41 46 49 65
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
19 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
4 77 3 95
Stock Returns
98 97 41 45
Growth
75 79 52 73
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Metrics Current 2025 2024 2023
Leverage
54 11 12 57
Refinancing
25 62 96 24
Liquidity
100 51 36 1
Safety Safety
76 37 46 15

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Frequently Asked
Questions

This stock offers a high growth opportunity with safe financing and positive sentiment. It is typically expensive (low Value Rank), as investors pay a premium for high performance. It is for growth-focused investors comfortable paying a premium for a stock with strong future momentum.

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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