Key Stats for Dave Inc. Stock
- Stock Movement (Recent): +4.90%
- Current Price: $208.76
- Street Target Price: $311.78
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What Happened?
Dave Inc. (DAVE) is maintaining its baseline valuation with positive momentum, with shares trading at $208.76 following an exceptional fourth-quarter earnings release that completely shattered its original 2025 guidance.
The fintech leader delivered actual revenue of $163.7 million in the fourth quarter, edging past analyst estimates of $162.58 million.
However, the real financial headline was the company’s massive operational efficiency.
Dave reported an actual Adjusted EBITDA of $72.9 million, representing a staggering 45% margin, outperforming the Street estimate of $71.78 million.
During the earnings call, CEO Jason Wilk highlighted the full-year outperformance, noting that Dave exceeded its original 2025 revenue guidance by 30% and nearly doubled its original EBITDA guidance.
Wilk stated verbatim: “Full year adjusted EBITDA grew 162%, nearly 3x the revenue growth rate, driven by gross margin expansion and the operating leverage embedded in our business model.”
The company’s core growth algorithm, sustaining mid-teens member growth and low double-digit ARPU (Average Revenue Per User) growth, remains highly durable.
Dave acquired 867,000 new members in Q4 at a highly efficient $20 customer acquisition cost.
Beyond the financials, management confirmed they are preparing to test a highly anticipated “pay in 4” product next month, differentiating itself from traditional credit cards by eliminating compound interest and late fees.
Furthermore, the company remains on track to transition its ExtraCash receivables to a new off-balance sheet funding structure with Coastal Community Bank.
CFO Kyle Beilman noted this transition will unlock over $200 million in incremental liquidity, paving the way for the company to aggressively execute its expanded $300 million share repurchase program.
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Is Dave Inc. Undervalued Today?
TAggregated analyst data indicate that the market is heavily underestimating the compounding value of the company’s proprietary CashAI underwriting model and its massively expanding gross margins.
The consensus Street target price of $311.78 represents an attractive 49.3% potential return from the current $208.76 baseline.
While navigating the regulatory landscape, the operational reality shows a company structurally transforming its unit economics by leveraging machine learning to minimize credit losses.
Beilman explained exactly how CashAI version 5.5 has directly impacted the company’s bottom line.
Beilman stated verbatim: “Our 28 days past due or DPD metric, which we introduced last quarter, improved 26 basis points or 12% sequentially to 1.89%, well below the initial guidance we provided last quarter…”
Read the full Dave Inc. Transcript on TIKR to see the 2026 product roadmap >>>
Valuation Deep Dive
The TIKR Analyst Breakdown identifies Dave as a transitioning fintech leader successfully leveraging AI to dominate the short-term consumer credit market.
- Street Target Price: $311.78
- Current Price: $208.76
- Target Return: 49.3%
The CashAI Underwriting Advantage: Dave is aggressively positioning itself to own the short-duration consumer credit space through its CashAI model. Management highlighted that its proprietary data set on credit performance and servicing interactions creates a massive moat that is impossible to replicate without significant scale and capital investment to absorb losses. By turning credit performance into an input rather than an output, the company achieved a record 74% gross margin in the fourth quarter.
Explosive Scale and Liquidity Optimization: The commercial engine is operating at full throttle. With $2.2 billion in ExtraCash originations in Q4 and a gross profit payback period of under four months, Dave’s unit economics are highly optimized. By transitioning its receivables off-balance sheet with Coastal Community Bank and expanding its share repurchase authorization to $300 million, the company is structurally designed to generate significant long-term shareholder value.
Conclusion: A revitalized fintech giant successfully leveraging its proprietary AI infrastructure and strategic banking partnerships to accelerate profitability. Dave offers a steady path to long-term appreciation. The path to the $311.78 target is paved by the rollout of its pay in 4 product, the continued expansion of its high-margin subscription base, and the anticipated liquidity unlocked by its off-balance sheet funding transition.
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Should You Invest in Dave Inc.?
The only way to really know is to look at the numbers yourself. TIKR gives you free access to the same institutional-quality financial data that professional analysts use to answer exactly that question.
Pull up Dave Inc., and you’ll see years of historical financials, what Wall Street analysts expect for revenue and earnings in the quarters ahead, how valuation multiples have moved over time, and whether price targets are trending up or down.
You can build a free watchlist to track Dave Inc. alongside every other stock on your radar. No credit card required. Just the data you need to decide for yourself.
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Disclaimer:
Please note that the articles on TIKR are not intended to serve as investment or financial advice from TIKR or our content team, nor are they recommendations to buy or sell any stocks. We create our content based on TIKR Terminal’s investment data and analysts’ estimates. Our analysis might not include recent company news or important updates. TIKR has no position in any stocks mentioned. Thank you for reading, and happy investing!
