DAVE · NASDAQ · STOCK
Dave Inc.
$311.40
52W $152.21 – $458.25
64/100
$4.17B
18.7
3.84
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 50% agreement.
Last updated August 11, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +11.41 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 — -8.59 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. Growth Analyst sees a compelling case — revenue growing 48.6% yoy -- genuine top-line momentum. Technical Analyst remains cautious — rsi at 26 is in oversold territory (could mean either capitulation or a bounce setup). 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
- Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock — Risk
- VIX regime is low -- calm backdrop supports risk-taking — Macro
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Price-to-book of 8.5x prices in significant intangible value — Value
- RSI at 26 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 43.8% 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 August 11, 2026
Overall Committee Score
64/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 21%
of 284 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
85
/ 100 · Moderate confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 48.6% YoY -- genuine top-line momentum
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 26 is in oversold territory (could mean either capitulation or a bounce setup)
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.21) -- balance sheet can absorb a shock
− Bollinger bandwidth of 43.8% signals elevated volatility
Macro Analyst
bullish
78
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.21 across 14 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 2 existing position pair(s) are highly correlated already
Technical Analysis
RSI (14)
26.2
Oversold
MACD Histogram
-15.053
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Bollinger %B
0.01
Inside Bands
Price vs Moving Averages
EMA 9
$357.08
Below
EMA 21
$374.94
Below
EMA 50
$354.22
Below
EMA 200
$268.81
Above
Fundamental Analysis
Valuation
62
Profitability
100
Financial Health
80
Cash Flow
70
Valuation
P/E Ratio
18.7×
P/B Ratio
18.97×
PEG Ratio
0.06
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
[reduced confidence: limited earnings history] P/E ratio of 18.7 (inexpensive relative to a 15-40x range); Price-to-book of 19.0x; 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); Earnings-history trend unavailable; growth based on TTM year-over-year only.
Get the Full DAVE Analysis
Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A
Open in Terminal →