DAVE
DaveBNasdaq / Financial Services
Last Price
At close
2026-07-21
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
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +1.0.
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
99
Value
50
Sentiment
29
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $260.00 · Bull $355.00 · Bear $165.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-27 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $388.55
Why
Momentum99 · Δ7d +1.0
Value50 · Δ7d -0.6
Sentiment29 · Δ7d -8.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
99
26% active weight
Current posture
7d trendFlat
Δ7d
+1.0
Δ21d
+3.6
Value
50
39% active weight
Current posture
7d trendFlat
Δ7d
-0.6
Δ21d
-0.1
Sentiment
29
34% active weight
Current posture
7d trendSoftening
Δ7d
-8.0
Δ21d
-13.1
Why this grade
Composite grade B. Momentum 98.9 / Value 49.6 / Sentiment 29.2
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$5.58B
Beta
3.91
Shares Out
12.71M
P/E (TTM)
22.8
P/S (TTM)
6.33
P/FCF (TTM)
13.42
Rev YoY
+46.7%
EPS YoY
+104.5%
Gross Margin
+72.1%
Op Margin
+29.1%
Net Debt
-$46.11M
Current Ratio
3.86
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology