Dave Inc (DAVE) Stock Analysis
Verdict: HOLD
CashAI underwriting and off-balance-sheet funding drive high-margin scale — swing risks are subprime credit exposure and heavy insider selling.
Investment score: 62/100
Analysis as of
Is Dave Inc stock worth reviewing? AI model thesis
The model score of 62/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment.
7-factor investment score
- Valuation: 58/100 (weight 20%)
- Financial Health: 82/100 (weight 15%)
- Technical Momentum: 68/100 (weight 15%)
- Earnings Quality: 62/100 (weight 15%)
- Insider Sentiment: 25/100 (weight 10%)
- Analyst Consensus: 80/100 (weight 10%)
- Risk-Adjusted Return: 55/100 (weight 15%)
Dave Inc opportunities and risks
What speaks for DAVE
- Off-balance sheet transition through Coastal Community Bank unlocks capital efficiency
What speaks against DAVE
- Subprime credit exposure remains vulnerable to macroeconomic stress
Peers and competitors
| Ticker | P/E | P/S | EV/EBITDA | Gross margin | Net margin | FCF yield |
|---|---|---|---|---|---|---|
| DAVE | 20.9x | 7.2x | 16.0x | 83.3% | 34.6% | 7.0% |
| FCFS | 24.0x | 2.2x | 9.9x | 48.9% | 9.4% | 6.5% |
| OMF | 8.4x | 1.0x | 14.7x | 63.6% | 12.2% | 49.9% |
| FIGR | 25.9x | 7.3x | 19.1x | 87.0% | 33.2% | -77.4% |
| CACC | 11.4x | 2.4x | 11.8x | 89.7% | 21.6% | 22.1% |
| NNI | 14.9x | 2.4x | 21.6x | 82.7% | 16.3% | 8.2% |
| Peer median | 14.9x | 2.4x | 14.7x | 82.7% | 16.3% | 8.2% |
Frequently asked questions about Dave Inc (DAVE)
Is DAVE stock a good investment?
The cached TradeMates AI model rates Dave Inc as HOLD with an investment score of 62/100. The model score of 62/100 falls in the HOLD range. The central thesis and factor breakdown explain the assessment. This is algorithmic model output, not personal investment advice.
Is DAVE stock a buy?
The TradeMates model verdict for DAVE is HOLD with an investment score of 62/100. Treat this as a model signal to review, not a personal buy recommendation.