DAVE

$155.92

Public overview and default valuation.

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Valuation Details
Default assumptions: 10Y forecast, 9% market return, 2.5% terminal growth, 15.00% trendline growth.
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$152.92

With 20% Margin of Safety (MoS):

$122.34
▼ -21.54% downside
Capital Efficiency
Average Quarterly ROIC
16.85%
Cost of Capital (estimated)8%
Value StatusCreating Value

The company is earning a higher return on invested capital than it costs to raise that capital — a sign of strong, efficient value creation.

Complete historical ROIC is available with
.
Fundamental Score
81
BullishWeighted across 6 signals
DCF Discount
21.5% premium to price
14
FCF Yield
11.4% trailing FCF yield
100
ROIC vs WACC
ROIC 16.9% vs WACC 8.0% (2.1x)
100
Net Debt / FCF
Net cash position
100
Buybacks
Share count shrinking
80
FCF CAGR (5Y)
201.6% 5Y FCF CAGR (adjusted)
100
Strengths: FCF Yield, ROIC vs WACC. Concerns: DCF Discount.
Narrative Score
54
Weak
Weighted across 4 recent drivers · Last 30 daysVs 6-Month Baseline: Average (56th pct)
Trend: StableConfidence: 80%Updated: 3h ago
Sources: 39 (News 39)
Drivers
32 news sentiment+0.4
5 regulatory scrutiny+0.1
Earnings beat+0.0
Earnings miss-0.0
Other Metrics
P/E14.3
Profit Margin29.9%
Owner Earnings$155.80m
One Dollar Premise0.00%
Debt/Equity0.58
Current Ratio8.72
PEG0.089
Free Cash Flow (in millions)
201920202021202220232024
-$8-$5$6-$36$42$240
How Intrinziq Estimates Fair Value

Intrinziq estimates Dave Inc.'s intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.

Dave Inc.Technology

Dave Inc. provides a suite of financial products and services through its financial service online platform. The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is based in West Hollywood, California.

Last updated: Feb 06, 2026
Data sources: Financial Modeling Prep
This valuation is based on assumptions and publicly available data. It is not financial advice or a recommendation to buy or sell any security. Always do your own research before making investment decisions.