What is the fair value of DAVE stock?

Our analysis estimates the fair value range for DAVE to be between $245.00 and $295.89. The current price is $317.97.

What is the analyst price target for DAVE?

The average Wall Street analyst price target for DAVE is $335.73. This implies a potential upside of 8.4% from current levels.

DAVE Stock Analysis: Buy, Sell, or Hold?

DAVE - Dave Inc. Class A Common Stock

FINANCE SERVICES

$317.97

8.25 (2.66%) ▲

5d: +2.99%

30d: +31.99%

90d: +47.65%

HOLD

MODERATE Confidence

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Analysis Updated: Jun 23, 2026 12:00 AM ET

Earnings: Aug 05, 2026

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 HOLD - EXTENDED: DAVE is 7.5% above its trading range ($295.89). Fundamentals are solid but entry is stretched. Hold existing positions; wait for pullback to add new shares.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 24.5%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$537.48

Based on 14.3% avg growth

INTRINSIC VALUE TODAY

$333.73

4.7% 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 13.5x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: DAVE is currently trading at $317.97, which is considered extended relative to its 30-day fair value range of $245.00 to $295.89. From a valuation perspective, the stock is trading at a premium (Forward PE: 15.0) compared to its historical average (13.5). At these levels, the market is pricing in 3.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, DAVE is in a strong uptrend. The price is approaching resistance at $293.90. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: DAVE has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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. 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 EXTENDED

Historical Trading Range $245.00 - $295.89

Company Quality Score 60/100 (BUY)

Volume Confirmation HIGH

Confidence Score 62.3%

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All Signals

BEARISH: Price extended above range (+7.5% above its trading range)
BULLISH: Options cheap (IV 0th percentile)
BULLISH: Strong technical setup (75/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($335.73)
NEUTRAL: Market pricing in 3.4% annual earnings growth - fairly valued
CAUTION: Extended 7.5% above its trading range - wait for pullback

Trading Range Analysis

30-Day Trading Range $245.00 - $295.89

Current vs Trading Range EXTENDED

Expected Move (7 Days) ±$32.69 (10.3%)

Support & Resistance Levels

Support Level $242.01

Resistance Level $293.90

Current Trend Strong Uptrend

Technical data as of Jun 9, 2026

Fundamental Context

Forward P/E (Next Year Est.) 14.99

Wall Street Target $335.73 (+8.4%)

Revenue Growth (YoY) 46.7%

Earnings Growth (YoY) 104.1%

Profit Margin 37.2%

Valuation Premium vs History +3.4% premium

PE vs Historical 15.0 vs 13.5 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +3.4% (market-implied from PE analysis)

1-Year Target $320.25 (+3%)

2-Year Target $331.14 (+7%)

3-Year Target $342.40 (+11%)

3-Yr Target (if PE normalizes) (PE: 15→14) PE COMPRESSION $308.34 (0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 21.8, Growth: 24.5%) $868.16 (+180%)

Base: (SPY PE: 15.0, Growth: 24.5%) $597.56 (+93%)

Bear: (PE: 12.7, Growth: 24.5%) $507.93 (+64%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (15x PE) as earnings recover.

Trailing PE: 20.21 | Current EPS (TTM): $15.56

Bull Case $459.25 (+48%)

Analyst growth 32.8%, PE expands to 22.2

Base Case $417.50 (+35%)

Market implied 32.8%, PE stable at 20.2

Bear Case $213.82 (-31%)

Severe decline -20.0%, PE contracts to 17.2

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

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Last updated: June 23, 2026 4:52 PM ET
Data refreshes hourly during market hours. Next update: 5:52 PM

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Insider Activity (6 Months)

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