DAVE Stock Analysis: Buy, Sell, or Hold?
DAVE - Dave Inc. Class A Common Stock
$354.72
19.71 (5.88%)
▲
5d:
+6.02%
30d:
-13.18%
90d:
+47.25%
HOLD
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: DAVE shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: DAVE shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$621.42
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$385.85
8.1% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 14.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: DAVE is currently trading at $354.72, which is considered slightly low relative to its 30-day fair value range of $334.24 to $424.99. From a valuation perspective, the stock is trading at a premium (Forward PE: 16.2) compared to its historical average (14.6). At these levels, the market is pricing in 3.7% annual earnings growth.
Technical Outlook: Technically, DAVE is in a strong uptrend. The price is approaching resistance at $359.85. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.9% recently.
Market Sentiment: DAVE scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $426.58 (+20.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, DAVE is in a strong uptrend. The price is approaching resistance at $359.85. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 5.9% recently.
Market Sentiment: DAVE scores 65/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $426.58 (+20.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Historical Trading Range
$334.24 -
$424.99
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
98.8%
Protect Your Profits
Holding DAVE? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 0th percentile)
- BULLISH: Strong technical setup (65/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+5.9%)
- BULLISH: Trading 20.3% below Wall St target ($426.58)
- BULLISH: Expecting earnings turnaround to 3.7% growth with 29.6% revenue growth
- CAUTION: Bottoming setup, but lagging the sector by 12% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$334.24 -
$424.99
Current vs Trading Range
SLIGHTLY LOW
Expected Move (7 Days)
±$30.16
(8.5%)
Support & Resistance Levels
Support Level
$302.17
Resistance Level
$359.85
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
16.23
Wall Street Target
$426.58
(+20.3%)
Revenue Growth (YoY)
29.6%
Earnings Growth (YoY)
-21.0%
Profit Margin
34.6%
Valuation Premium vs History
+3.7% premium
PE vs Historical
16.2 vs 14.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.7%
(market-implied from PE analysis)
1-Year Target
$367.84
(+4%)
2-Year Target
$381.45
(+8%)
3-Year Target
$395.57
(+12%)
3-Yr Target (if PE normalizes)
(PE: 16→15)
PE COMPRESSION
$355.86
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 26.0%)
$876.64
(+147%)
Base:
(SPY PE: 16.2, Growth: 26.0%)
$708.89
(+100%)
Bear:
(PE: 13.8, Growth: 26.0%)
$602.55
(+70%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (21x PE), but valuation improves significantly next year (16x PE) as earnings recover.
Trailing PE: 21.46 | Current EPS (TTM): $16.08
Bull Case
$515.91
(+45%)
Analyst growth 35.9%, PE expands to 23.6
Base Case
$469.01
(+32%)
Market implied 35.9%, PE stable at 21.5
Bear Case
$234.63
(-34%)
Severe decline -20.0%, PE contracts to 18.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 3:39 PM ET
Data refreshes hourly during market hours. Next update: 4:39 PM
Data refreshes hourly during market hours. Next update: 4:39 PM
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Technical Signals Check
Is DAVE showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced DAVE Option Strategies
Professional options setups generated by AI based on today's DAVE price and gamma walls.
