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DAVE

DaveD
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q1 looked like a genuine beat-and-raise: revenue, profitability, monetization, and credit all moved in the right direction at the same time, while buybacks and the Coastal transition can further lift per-share economics. Sell-side target moves after the print also skew positive, which supports the idea that the market is still digesting a higher-quality earnings profile.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.3.
What can break
Aggressive capital returns are supportive only if liquidity and capital metrics stay comfortable; a slower funding transition would reduce the room for continued repurchases.
Momentum
92
Value
51
Sentiment
38
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $260.00 · Bull $355.00 · Bear $165.00Analysis 2026-05-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $446.23
Why
Momentum92 · Δ7d -0.3
Value51 · Δ7d +0.3
Sentiment38 · Δ7d +3.9
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.3.

Contradictions & invalidation

  • • Aggressive capital returns are supportive only if liquidity and capital metrics stay comfortable; a slower funding transition would reduce the room for continued repurchases.
  • • Dependence on Evolve Bank & Trust and Coastal Community Bank remains a structural risk; any disruption or repricing in bank-partner relationships would hit ExtraCash and deposit-related operations.
  • • The stock already had a strong move into the print and then traded weakly after hours, which suggests investors are asking for more proof that the growth algorithm can compound.

Catalyst clock

2026-06-30

Q1 beat-and-raise supports a near-term rerating

Lead driver: Value · See fundamentals
Momentum
92
8% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
+23.7
Value
51
47% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+1.1
Sentiment
38
45% active weight
Current posture
7d trendImproving
Δ7d
+3.9
Δ21d
-6.7
Why this grade

Composite grade D. Momentum 92.4 / Value 51.5 / Sentiment 38.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-27. Scenario method

B+
Bull case
25%
Probability
Target price
$355.00
Analysis reference price unavailable
Analysis 2026-05-27 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$260.00
Analysis reference price unavailable
Analysis 2026-05-27 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$165.00
Analysis reference price unavailable
Analysis 2026-05-27 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.52B
Beta
3.91
Shares Out
12.76M
P/E (TTM)
22.8
P/S (TTM)
6.33
P/FCF (TTM)
13.42
Rev YoY
+29.6%
EPS YoY
-21.3%
Gross Margin
+75.3%
Op Margin
+36.7%
Net Debt
-$46.11M
Current Ratio
4.22
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data