DAVE Stock Analysis: Buy, Sell, or Hold?
DAVE - Dave Inc. Class A Common Stock
$273.99
6.62 (2.48%)
▲
5d:
+28.18%
30d:
+30.58%
90d:
+47.89%
WAIT
LOW Confidence
Analysis Updated: Apr 21, 2026 12:00 AM ET
Earnings: May 14, 2026
21d
Smart Money Accumulation
DAVE is down 4.9% this week, but smart money is accumulating calls. Top strike: $190 2026-05-15 with 1,154 OI. Call ratio: 97% View Scanner →
Strength: 7.2/10
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR BETTER ENTRY: DAVE is 18.5% above fair value ($231.21). Market expects 5.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
⏸️ WAIT FOR BETTER ENTRY: DAVE is 18.5% above fair value ($231.21). Market expects 5.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$403.42
Based on 11.6% avg growth
INTRINSIC VALUE TODAY
$250.49
Trading above fair value
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 13.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: DAVE is currently trading at $273.99, which is considered extended relative to its 30-day fair value range of $172.01 to $231.21. From a valuation perspective, the stock is trading at a premium (Forward PE: 15.7) compared to its historical average (13.4). At these levels, the market is pricing in 5.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, DAVE is showing sideways momentum. Immediate support is located at $174.75, while resistance sits at $284.76.
Market Sentiment: DAVE has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (15th 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 $321.12 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, DAVE is showing sideways momentum. Immediate support is located at $174.75, while resistance sits at $284.76.
Market Sentiment: DAVE has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (15th 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 $321.12 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$172.01 -
$231.21
Company Quality Score
54/100
(HOLD)
Options IV Signal
15th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
59.6%
Protect Your Profits
DAVE is technically overbought (RSI 80). Consider hedging now to protect against a potential pullback while keeping your upside.
View Profit Protection PlanAll Signals
- BEARISH: Price significantly overextended (+18.5% above fair value)
- BULLISH: Options cheap (IV 15th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($321.12)
- NEUTRAL: PE elevated vs history but 5.2% growth expectation is conservative given 292% recent growth
- WARNING: Recommendation downgraded due to 18.5% overvaluation
Fair Price Analysis
30-Day Fair Range
$172.01 -
$231.21
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$32.06
(11.7%)
Support & Resistance Levels
Support Level
$174.75
Resistance Level
$284.76
Current Trend
Sideways
Technical data as of
Apr 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
15.66
Wall Street Target
$321.13
(+17.2%)
Revenue Growth (YoY)
62.4%
Earnings Growth (YoY)
292.4%
Profit Margin
35.3%
Valuation Premium vs History
+5.2% premium
PE vs Historical
15.7 vs 13.4
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.2%
(market-implied from PE analysis)
1-Year Target
$288.24
(+5%)
2-Year Target
$303.23
(+11%)
3-Year Target
$318.99
(+16%)
3-Yr Target (if PE normalizes)
(PE: 16→13)
PE COMPRESSION
$272.90
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 19.2%)
$611.08
(+123%)
Base:
(SPY PE: 15.7, Growth: 19.2%)
$464.41
(+70%)
Bear:
(PE: 13.3, Growth: 19.2%)
$394.75
(+44%)
📈
Valuation based on Current Earnings
Trailing PE: 14.43 | Current EPS (TTM): $13.52
Bull Case
$278.31
(+30%)
Analyst growth 29.7%, PE expands to 15.9
Base Case
$253.01
(+18%)
Market implied 29.7%, PE stable at 14.4
Bear Case
$132.69
(-38%)
Severe decline -20.0%, PE contracts to 12.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: April 22, 2026 4:55 AM ET
Data refreshes hourly during market hours. Next update: 5:55 AM
Data refreshes hourly during market hours. Next update: 5:55 AM
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Technical Signals Check
Is DAVE showing a specific setup today?
Insider Activity (6 Months)
0
Buys
7
Sells
Net
INSIDERS SELLING
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Advanced DAVE Option Strategies
Professional options setups generated by AI based on today's DAVE price and gamma walls.
