DAVE · NASDAQ · STOCK
Dave (DAVE) Stock Analysis
$369.28
52W $152.21 – $458.25
64/100
$4.95B
22.2
3.93
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is DAVE Bullish or Bearish?
Bullish.
Innellis AI committee rates Dave Inc. (DAVE) Buy with a composite score of 64/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +10.70 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -9.30 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. News Analyst sees a compelling case — news sentiment is positive (+0.50 across 2 articles, 14d). Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 84.4% shows genuine earnings power backing the valuation — Value
- Revenue growing 48.6% YoY -- genuine top-line momentum — Growth
- EPS growing 308.0% YoY — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.50 across 2 articles, 14d) — News
Bear Case
- Price-to-book of 8.5x prices in significant intangible value — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- Bollinger bandwidth of 19.9% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
64/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 7%
of 287 Technology peers
Value Analyst
neutral
59
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 84.4% shows genuine earnings power backing the valuation
− Price-to-book of 8.5x prices in significant intangible value
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 48.6% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bullish
62
/ 100 · Moderate confidence
Risk profile is manageable -- leverage, volatility, and event exposure all look contained
+ Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock
− Bollinger bandwidth of 19.9% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
74
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.50 across 2 articles, 14d)
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 64.8 to 64.3.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: score 77->74 (-3); +1 bullish signal(s).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
63.7
Neutral
MACD Histogram
3.554
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$302.82
Resistance
$393.59
Bollinger %B
0.84
Inside Bands
Price vs Moving Averages
EMA 9
$350.12
Above
EMA 21
$348.86
Above
EMA 50
$350.75
Above
EMA 200
$296.97
Above
Fundamental Analysis
Valuation
57
Growth
52
Profitability
100
Financial Health
80
Cash Flow
70
Valuation
P/E Ratio
22.2×
P/B Ratio
22.54×
PEG Ratio
0.08
Dividend Yield
0.00%
52W High
$458.25
52W Low
$152.21
Quality & Growth
ROE
5552.9%
ROA
4018.4%
Gross Margin
8329.4%
Operating Margin
3452.2%
Revenue Growth YoY
—
Debt / Equity
1.29
AI Fundamental Assessment
P/E ratio of 22.2 (inexpensive relative to a 15-40x range); Price-to-book of 22.5x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 55.5%; Return on assets of 40.2%; Net margin of 34.6%; Gross margin of 83.3%; Current ratio of 4.22 (healthy short-term liquidity); Debt-to-equity of 1.29; Free cash flow per share is positive (25.67); Most recent quarter missed estimates by 86.9%; EPS growth decelerating (-12.0% -> -87.8% QoQ); Analyst estimates rising over recent quarters
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