Is DAVE stock a Buy, Sell, or Hold?

Based on our analysis, DAVE is currently a HOLD with low confidence. 📊 HOLD: DAVE shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.

What is the fair value of DAVE stock?

Our analysis estimates the fair value range for DAVE to be between $334.52 and $373.28. The current price is $346.57.

What is the analyst price target for DAVE?

The average Wall Street analyst price target for DAVE is $444.21. This implies a potential upside of 28.2% from current levels.

Dave (DAVE) Stock: Buy, Sell, or Hold?

DAVE - Dave Inc. Class A Common Stock

FINANCE SERVICES

$346.57

6.98 (2.06%) ▲

5d: +6.68%

30d: -7.05%

90d: -12.48%

HOLD

LOW Confidence

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Analysis Updated: Oct 2, 2026 12:00 AM ET

Earnings: Nov 03, 2026 30d

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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.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 25.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$639.68

Based on 14.5% avg growth

INTRINSIC VALUE TODAY

$397.19

12.7% 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.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: DAVE is currently trading at $346.57, which is considered fair relative to its 30-day fair value range of $334.52 to $373.28. The stock's valuation (Forward PE: 15.6) is in line with its historical norms (14.8). At these levels, the market is pricing in 1.8% annual earnings growth.

Technical Outlook: Technically, DAVE is in a uptrend. Immediate support is located at $310.88, while resistance sits at $361.31.

Market Sentiment: DAVE scores 79/100 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 $444.21 (+28.2%). 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 FAIR

Historical Trading Range $334.52 - $373.28

Company Quality Score 61/100 (BUY)

Volume Confirmation HIGH

Confidence Score 89.2%

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All Signals

NEUTRAL: Price in fair range
BULLISH: Options cheap (IV 0th percentile)
BULLISH: Strong technical setup (79/100)
BULLISH: High volume confirmation
BULLISH: Trading 28.2% below Wall St target ($444.21)
BULLISH: Expecting earnings turnaround to 1.8% growth with 29.6% revenue growth
CAUTION: Bottoming setup, but lagging the sector by 25% over 20 days — wait for relative strength

Trading Range Analysis

30-Day Trading Range $334.52 - $373.28

Current vs Trading Range FAIR

Expected Move (7 Days) ±$31.00 (8.9%)

Support & Resistance Levels

Support Level $310.88

Resistance Level $361.31

Current Trend Uptrend

Technical data as of Oct 2, 2026

Fundamental Context

Forward P/E (Next Year Est.) 15.61

Wall Street Target $444.21 (+28.2%)

Revenue Growth (YoY) 29.6%

Earnings Growth (YoY) -21.0%

Profit Margin 34.6%

Valuation Premium vs History +1.8% premium

PE vs Historical 15.6 vs 14.8 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +1.8% (market-implied from PE analysis)

1-Year Target $352.81 (+2%)

2-Year Target $359.16 (+4%)

3-Year Target $365.62 (+6%)

3-Yr Target (if PE normalizes) (PE: 16→15) PE COMPRESSION $346.55 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 20.4, Growth: 27.8%) $944.97 (+173%)

Base: (SPY PE: 15.6, Growth: 27.8%) $723.30 (+109%)

Bear: (PE: 13.3, Growth: 27.8%) $614.81 (+77%)

📈 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: 20.71 | Current EPS (TTM): $16.40

Bull Case $505.55 (+46%)

Analyst growth 35.3%, PE expands to 22.8

Base Case $459.59 (+33%)

Market implied 35.3%, PE stable at 20.7

Bear Case $230.92 (-33%)

Severe decline -20.0%, PE contracts to 17.6

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: October 02, 2026 9:43 PM ET
Data refreshes hourly during market hours. Next update: 10:43 PM

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Advanced DAVE Option Strategies

Professional options setups generated by AI based on today's DAVE price and gamma walls.

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