Dave Inc. (DAVE): one to watch?

Not a trap yet — the drop is "sell the news" after a huge rally, not a business breakdown, but valuation is still rich.

👀 WATCH Fundamentals71/100

Fell 15% in 1 trading day(s) — now $365.26

Why DAVE dropped

Dave beat on revenue and raised full-year guidance, but the stock still crashed because it plans to spend a lot more on marketing in H2 2026, which will squeeze near-term profit margins, and this came after the stock had already tripled/quadrupled over the past year, leaving little room for anything short of a perfect quarter.

Fwd P/E 17.0Op margin 30.6%Rev growth 29.6%Debt/equity 129.1%Analyst upside 7.1%

How this scored 71/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 34.6%

✅ Generates cash Free cash flow $139M

✅ Not drowning in debt Debt/equity 129.1% (limit 200%)

✅ Can pay its bills Current ratio 4.2 (needs 1+)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 25/25

Operating margin 30.6% 9/9

Net profit margin 34.6% 8/8

Return on equity 104.8% 8/8

Growth Is it getting bigger, or dying? 17/25

Revenue growth 29.6% 9/9

Earnings growth -21.0% 0/8

Expected profit change 62.4% 8/8

Value Is it cheap right now? 10/25

Forward P/E 17.0 7/10

PEG ratio unknown 2/8

Analyst target upside 7.1% 1/7

Balance sheet Will it survive? 19/25

Debt / equity 129.1% 4/10

Current ratio 4.2 8/8

Free cash flow $139M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-08-07. Research only — not financial advice.