DAVE INC CLASS A (DAVE)
Financials · Consumer fintech / short-term lending · NASDAQ
Dave is a financial services platform providing AI-powered tools including ExtraCash advances, budgeting, and spending management to help members navigate income volatility.
What DAVE INC CLASS A does
Dave is a financial technology platform designed for cash-strapped consumers. The company's primary offering, ExtraCash, provides short-term cash advances to members facing income gaps. Dave also offers budgeting tools, spending tracking, and other financial management services through its mobile-first platform. The company operates a subscription model with additional revenue from banking partnerships and financial services. Dave faces significant regulatory scrutiny, including Department of Justice litigation.
Themes: ["consumer financial services","fintech / embedded banking","short-term lending / cash advances","AI-powered financial tools","income volatility / paycheck management"]
Fundamentals
- Price$390.14 as of 2026-07-09 close
- Market cap$5.0B as of 2026-07-10
- 1-year return+59.2% as of 2026-07-09 close
- P/E22.05 as of 2026-07-10
- Net margin+37.2% as of 2026-07-10
- ROE+84.5% as of 2026-07-10
- Debt / equity1.31 as of 2026-07-10
- Revenue growth (YoY)+58.5% as of 2026-07-10
- Revenue CAGR (3y)+39.3% SEC XBRL
- Beta3.89 as of 2026-07-10
Key risks (from latest filing)
["Department of Justice lawsuit and ongoing regulatory investigations and enforcement actions which could impose significant fines or operational restrictions","Dependence on two bank partners for core ExtraCash product; loss of either partnership could severely disrupt revenue streams","Intense competition in consumer fintech and rapid technological change; failure to keep pace with AI/tech developments or retain customers could pressure growth"]
Competitors & peers
- Chime
- MoneyLion
- Earnin
- Brigit
- Klarna
- PayActiv
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.