US · DAVE
Dave Inc.
- Sector
- Technology · Software - Application
- Headquarters
- West Hollywood, CA 90069
- Website
- dave.com
Price · as of 2024-12-31
$272.65
Market cap 2.61B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $87.13 | -68.04% |
| Intrinsic Value(DCF) | $2,708.23 | +893.3% |
| Graham-Dodd Method(GD) | $37.74 | -86.16% |
| Graham Formula(GF) | $187.90 | -31.08% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $1.29 | $0.00 | |||
| 2021 | $185.60 | $198.56 | $329.29 | $0.00 | $0.00 |
| 2022 | $6.94 | $291.71 | $39.79 | $0.00 | $0.00 |
| 2023 | $36.00 | $277.14 | $616.32 | $0.00 | $0.00 |
| 2024 | $83.36 | $87.13 | $1,198.86 | $37.73 | $187.90 |
AI valuation
Our deep-learning model estimates Dave Inc.'s (DAVE) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $87.13
- Current price
- $272.65
- AI upside
- -68.04%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$2,708.23
+893.3% upside
Graham-Dodd
$37.74
-86.16% upside
Graham Formula
$187.90
-31.08% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| DAVE | Dave Inc. | $272.65 | 2.61B | -68% | +893% | -86% | -31% | 18.03 | 5.70 | 3.01 | 13.54 | — | 6.16 | 91.25% | 9.97% | 16.67% | 42.84% | 23.64% | 19.51% | 0.41 | 4.33 | 8.05 | 7.59 | 0.34 | -20295.00% | 3396.00% | 39611.00% | 11.96% | 3.57 | 88.95% | 0.00% | 0.00% | 10.89% | 29.73 | 8.24 | 2.96 | 7.21 |
| ASAN | Asana, Inc. | $7.10 | 1.68B | +372% | -12% | — | — | -13.96 | 15.68 | 4.93 | -14.68 | — | 15.68 | 89.34% | -36.85% | -35.30% | -92.26% | -468.61% | -27.58% | 1.18 | -72.42 | 1.44 | 1.33 | -0.36 | -513.00% | 1094.00% | -13009.00% | 0.26% | 0.04 | 16.44% | 0.00% | 0.00% | 2.20% | -12.63 | 360.17 | 4.66 | 0.43 |
| BL | BlackLine, Inc. | $35.25 | 2.18B | +153% | -53% | — | -82% | 87.59 | 6.46 | 3.07 | 21.88 | — | -9.24 | 75.21% | 4.77% | 3.50% | 6.29% | 3.88% | 1.37% | 2.83 | 3.29 | 1.47 | 1.43 | 5.21 | -7310.00% | 721.00% | -1442.00% | 7.52% | 0.24 | 33.24% | 0.00% | 0.00% | 10.97% | 69.18 | 14.30 | 3.30 | 1.59 |
| BLKB | Blackbaud, Inc. | $48.54 | 2.32B | +89% | -59% | — | -71% | 20.30 | 27.45 | 2.07 | 9.42 | — | -1.89 | 58.59% | 16.91% | 10.19% | 101.27% | 20.44% | 4.71% | 13.16 | 2.62 | 0.79 | 0.71 | 1.26 | -14232.00% | -235.00% | -1065.00% | 11.04% | 0.22 | 31.66% | 0.00% | 0.00% | 38.50% | 14.12 | 10.45 | 2.39 | 1.23 |
| FRSH | Freshworks Inc. | $7.82 | 2.28B | +342% | +119% | -21% | +92% | 12.80 | 2.28 | 2.80 | 14.21 | — | 2.91 | 84.96% | 1.62% | 21.90% | 16.93% | 7.53% | 11.43% | 0.06 | — | 2.14 | 2.00 | -5.10 | -29688.00% | 1643.00% | 6798.00% | 10.43% | 0.50 | 135.62% | 0.00% | 0.00% | 16.43% | 115.70 | 6.42 | 1.88 | 0.35 |
| INTA | Intapp, Inc. | $22.43 | 1.84B | +113% | +89% | -94% | — | -193.13 | 6.77 | 6.98 | -693.36 | — | 23.02 | 73.98% | -5.43% | -3.61% | -3.50% | -12.28% | -2.04% | 0.03 | — | 1.30 | 1.22 | 63.92 | -4889.00% | 1709.00% | 8812.00% | 3.46% | 0.35 | 54.70% | 0.00% | 0.00% | 0.00% | -117.75 | 26.44 | 6.39 | 5.45 |
| KC | Kingsoft Cloud Holdings L… | $13.48 | 3.72B | -31% | -38% | — | — | -15.49 | 5.93 | 3.94 | -67.90 | — | -231.29 | 17.22% | -22.34% | -25.26% | -32.82% | -24.86% | -12.12% | 1.01 | -7.46 | 0.75 | 0.59 | -5.22 | -1148.00% | 1047.00% | 4316.00% | -9.96% | 0.07 | -43.70% | 0.00% | 0.00% | 0.00% | -19.04 | -10.84 | 4.25 | 0.34 |
| NCNO | nCino, Inc. | $16.14 | 1.87B | +119% | -41% | — | — | -72.54 | 2.52 | 5.08 | 299.92 | — | -32.47 | 60.07% | -3.35% | -7.01% | -3.54% | -1.52% | -2.57% | 0.22 | -2.07 | 1.20 | 1.06 | 12.14 | -1316.00% | 1345.00% | -90.00% | 1.93% | 0.22 | 4.78% | 0.00% | 0.00% | 0.00% | -157.94 | 54.10 | 5.30 | 3.22 |
| PTRN | Pattern Group Inc. Series… | $10.53 | 1.63B | — | — | -62% | +44% | — | — | — | — | — | — | 43.50% | 4.85% | 3.78% | 19.60% | 29.56% | 11.75% | 0.08 | 889.61 | 2.17 | 1.10 | -1.37 | -112500.00% | 3145.00% | 8495.00% | — | 0.27 | 22.75% | — | 0.00% | — | — | — | — | — |
| VERX | Vertex, Inc. | $14.48 | 2.31B | +436% | -54% | — | -93% | 288.00 | 8.02 | 2.77 | 20.31 | — | -12.03 | 60.73% | -1.05% | 0.96% | 3.29% | -2.81% | 0.59% | 1.39 | — | 0.98 | 0.87 | 0.44 | -11176.00% | 1225.00% | -3003.00% | 3.34% | 0.29 | 26.13% | 0.00% | 0.00% | 0.98% | -270.50 | 30.62 | 2.84 | 1.74 |
| YOU | Clear Secure, Inc. | $48.64 | 4.67B | +10% | +77% | — | +28% | 18.79 | 25.80 | 5.09 | 16.14 | — | 40.83 | 85.81% | 20.70% | 27.09% | 129.75% | -45.91% | 19.53% | 0.00 | — | 1.01 | 0.92 | -0.36 | -2821.00% | 1691.00% | 2096.00% | 7.48% | 0.49 | -84.48% | 2.00% | 37.70% | 7.82% | 20.83 | 11.32 | 4.31 | 3.80 |
About Dave Inc.
Dave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.
- CEO
- Jason Wilk
- Employees
- 274
- Beta
- 3.90
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($2,708.23 ÷ $272.65) − 1 = +893.3% (DCF, example).