Dave (DAVE) Stock: Buy, Sell, or Hold?
$281.96
+8.11 (+2.96%)
▲
5d:
-16.14%
30d:
-22.3%
90d:
-15.52%
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70/30 Portfolio Builder
Earnings: Nov 04, 2026
0d
Protect DAVE Gains
Updated Nov 11, 12:00 AM ET
QUANTITATIVE VERDICT
HOLD
LOW Confidence (91%)
Quality Score
56/100
Position
OVERSOLD
30-Day Fair Range
$320.01 – $367.00
Position: OVERSOLD
Forward P/E & Valuation
12.5x
CHEAP
vs 14.8x historical avg
Wall Street Target
$431.86
+53.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$258.05 / $349.78
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 HOLD: DAVE shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$650.40
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$403.85
30.2% 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 14.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: DAVE is currently trading at $281.96, which is considered oversold relative to its 30-day fair value range of $320.01 to $367.00. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.5) compared to its historical average (14.8). Remarkably, the market is currently pricing in an annual earnings decline of 5.6% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, DAVE is in a downtrend. Immediate support is located at $258.05, while resistance sits at $349.78.
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. Wall Street analysts see significant upside, with an average price target of $431.86 (+53.2%). 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 downtrend. Immediate support is located at $258.05, while resistance sits at $349.78.
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. Wall Street analysts see significant upside, with an average price target of $431.86 (+53.2%). 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
OVERSOLD
Historical Trading Range
$320.01 -
$367.00
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
90.5%
Trading Range & Key Levels
30-Day Trading Range
$320.01 -
$367.00
Current vs Trading Range
OVERSOLD
Support Level
$258.05
Resistance Level
$349.78
Current Trend
Downtrend
Technical data as of
Nov 11, 2026
Protect Your Profits
Holding DAVE? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (65/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 53.2% below Wall St target ($431.86)
- CAUTION: Bottoming setup, but lagging the sector by 11% over 20 days — wait for relative strength
- CAUTION: 5-day price weakness (-16.1%) - monitor closely
Fundamental Context
Forward P/E (Next Year Est.)
12.49
Wall Street Target
$431.86
(+53.2%)
Revenue Growth (YoY)
31.2%
Earnings Growth (YoY)
-48.0%
Profit Margin
28.1%
Valuation Discount vs History
-5.6% cheaper
PE vs Historical
12.5 vs 14.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-5.6%
(market-implied from PE analysis)
1-Year Target
$266.17
(-6%)
2-Year Target
$251.26
(-11%)
3-Year Target
$237.19
(-16%)
3-Yr Target (if PE normalizes)
(PE: 12→15)
$280.96
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 28.3%)
$946.08
(+236%)
Base:
(SPY PE: 12.5, Growth: 28.3%)
$595.20
(+111%)
Bear:
(PE: 10.6, Growth: 28.3%)
$505.92
(+79%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 19.99 | Current EPS (TTM): $13.70
Bull Case
$496.20
(+76%)
Analyst growth 64.7%, PE expands to 22.0
Base Case
$451.09
(+60%)
Market implied 64.7%, PE stable at 20.0
Bear Case
$186.22
(-34%)
Severe decline -20.0%, PE contracts to 17.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.5 to 14.8
Stabilization Target:
$333.99
(+18.5%)
PE Expansion Potential:
+18.5%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (DAVE)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 6, 2026
Daily AI digest
AI Retail Discussion Summary:
Dave Inc. reported Q3 earnings with record member growth and increased revenue, but credit losses were higher than expected. Management raised full-year guidance and discussed strategic investments in marketing and product development.
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 2:35 AM ET
Data refreshes hourly during market hours. Next update: 3:35 AM
Data refreshes hourly during market hours. Next update: 3:35 AM
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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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