Dave Inc

Valuation Analysis

About the Company

Dave Inc en bref

Dave Inc (DAVE) is currently trading at 274,40 € with a market capitalization of 3,5 Md €. The trailing P/E ratio stands at 20.18x, with a forward P/E of 15.22x. The 52-week range spans from 132,83 € to 278,09 €; the current price is 1.3% below the yearly high. Year-over-year revenue growth stands at +46.7%. The net profit margin stands at 37.21%.

💰 Dividende

Dave Inc currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Avis des analystes

11 analystes évaluent Dave Inc (DAVE) au consensus : Achat Fort. L'objectif de cours moyen est de 292,98 €, soit un potentiel de +6.77% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 226,90 € à 322,89 €.

Dave Inc : la thèse d'investissement en détail

Dave Inc (DAVE) operates in the Technology — specifically Software - Application — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

Top-line momentum is unusually strong with revenue expanding 46.7% year-over-year, a pace that puts the company well above the market average and signals genuine demand traction rather than mere cyclical tailwind. With a gross margin near 72.1%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Return on equity of 111.59% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard.

Le scénario baissier

With a beta near 3.88, the share price moves sharply more than the broader market — drawdowns in market corrections can be unusually severe and require strong nerves. Short interest sits at 18.78% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

À surveiller

• The forward P/E of 15.22x is meaningfully below the trailing 20.18x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 97.5% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Thèse d'investissement : forces et faiblesses

Aperçu technique

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Profil de risque

The data points to above-average price swings, elevated short interest (18.78%), higher leverage relative to equity.

Trading Data

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