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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1803
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$2.7B
Jason Wilk
Dave, Inc. engages in the development of a financial management mobile application to prevent bank overdrafts. It operates Dave, a financial platform that helps customers with banking, financial insights, overdraft protection, building credit, and finding side gigs. The company also provides Dave Banking, a spending account and debit card.
Headcount
250
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = DAVE ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$DAVE Dave Inc./DE | 51 | 79 | 68 | 53 | 18.3x | 19.1x | 44.8% | 30.1% | 80.0% | 24.2% | 23.8% | 88.1% | 0.0% | 49.0x | $2.7B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Dave Inc./DE (DAVE) receives a "Hold" rating with a composite score of 51.3/100. It ranks #1803 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Pending Verification
In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for DAVE.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 79 | 96 | -17DRAG |
| MOMENTUM | 53 | 57 | -4NEUTRAL |
| VALUATION | 68 | 91 | -23DRAG |
| INVESTMENT | 21 | 6 | +15ALPHA |
| STABILITY | 9 | 5 | +4NEUTRAL |
| SHORT INT | 44 | 43 | +1NEUTRAL |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 182.8% vs WACC 9.5% (spread +173.3%)
GM 80% vs sector 78%, OM 24% vs sector 18%
Capital turnover 6.00x
Rev growth 88%, 4yr history
Interest coverage 25.7x, Net debt/EBITDA 0.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Dave Inc./DE (DAVE) as a Hold with a composite score of 51.3/100 at a current price of $169.72. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Dave Inc./DE holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 51.3/100 places it at rank #1803 in our full universe.
Wide
High
Exemplary
Undervalued
Gross margins of 80% signal strong pricing power.
Returns on equity of 44.8% exceed cost of capital.
Value factor score of 68 suggests attractive pricing.
Vulnerability to macroeconomic shocks and interest rate volatility.
Dave Inc./DE represents a hold based on multi-factor quantitative performance.
Our model assigns Dave Inc./DE a Hold rating, with a composite score of 51.3/100 and 3 out of 5 stars. Ranked #1803 of 7,333 stocks, DAVE presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
DAVE earns a quality score of 79/100, indicating above-average business quality. The company reports a return on equity of 44.8% (sector avg: 9.0%), gross margins of 80.0% (sector avg: 77.7%), net margins of 23.8% (sector avg: 21.9%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
DAVE's value score of 68/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 18.28x, an EV/EBITDA of 19.12x, a P/B ratio of 8.18x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
Dave Inc./DE's investment score of 21/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 88.1% vs. a sector average of 10.7% and a return on assets of 30.1% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
DAVE demonstrates moderate momentum with a score of 53/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 88.1% year-over-year, while a beta of 2.20 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
Dave Inc./DE registers a low stability score of 9/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 2.20 and a debt-to-equity ratio of 49.00x (sector avg: 0.5x). Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
The short interest score of 44/100 for DAVE suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include high market sensitivity (beta: 2.20), elevated leverage (D/E: 49.00x). With a $2.7B market cap (mid-cap), Dave Inc./DE may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Dave Inc./DE is a mid-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1803 of 7,333 overall (75th percentile). Key comparisons include ROE of 44.8% exceeding the 9.0% sector median and operating margins of 24.2% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While DAVE currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Quality (79) vs Stability (9) — closing this gap could shift the rating.
EV/EBITDA 146% ABOVE SECTOR MEDIAN
ROE 397% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin IN LINE WITH SECTOR BENCHMARKS
Above 50MA
37.18%
Net New Highs
+51081
DAVE INC (DAVE) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
DAVE stock exemplifies Louis Navellier's high-growth investing rules, showing explosive earnings growth, soaring revenue, and strong financial health.
Dave Inc. (NASDAQ:DAVE) is among the best money-making stocks to buy right now. On February 10, TheFly reported that Ryan Tomasello at Keefe, Bruyette & Woods initiated coverage of Dave Inc. (NASDAQ:DAVE) with an Outperform rating and a $250 price target. The firm’s 1-year price target implies a 41.02% upside. With 13.5 million members, Dave […]