DAVE
Dave Inc.
NasdaqGMUSDEQUITY
Technology
DELAYED
Buy
+32/100
Last price
349.00
▼ 19.94 (5.40%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
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Range —
Vol —
vs
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Open
368.51
Prev close
368.94
Day high
375.64
Day low
342.25
Volume
259.42K
Market cap
$4.38B
P/E (TTM)
23.78
52W range
152.21 – 458.25
Day trading desk
Gap from prior close
-0.12%
Prior close 368.94
VWAP
350.14
-0.33% from price
Relative volume
0.55×
Quiet session
Session range
12.82%
333.88 – 376.68
Position in range
35%
Mid range
ATR (14D)
20.00
5.73% of price
Prior day high
375.99
PDH
Prior day low
346.57
PDL
Bid / ask spread
—
Quote not published
Session volume
217.64K
Avg 394.07K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+5.12%
+3.2%
1M
-9.86%
-11.0%
3M
-8.62%
-13.1%
6M
+107.24%
+89.1%
YTD
+54.98%
+40.7%
1Y
+68.68%
+52.3%
3Y
+5,434.52%
+5,352.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on DAVE open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-7.76K
Net selling
Buy transactions
6
5.38K shares
Sell transactions
3
13.15K shares
Net transactions
+9
Buys less sells
Sell : buy shares
2.4 : 1
Mixed
Insider-held shares
1.33M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 5, 26 | PRESTON DAN Director |
SELL | 550 | $139.56K | Direct |
| Jun 5, 26 | ROZOV YADIN Director |
STOCK | 2.20K | $0 | Indirect |
| Jun 2, 26 | BEILMAN KYLE Chief Operating Officer |
SELL | 4.12K | $1.13M | Direct |
| Jun 2, 26 | WILK JASON Chief Executive Officer |
SELL | 8.47K | $2.33M | Direct |
| Jun 2, 26 | POPE MICHAEL W Director |
STOCK | 637 | $0 | Direct |
| Jun 2, 26 | PRESTON DAN Director |
STOCK | 637 | $0 | Direct |
| Jun 2, 26 | CARROLL BRENDAN Director |
STOCK | 637 | $0 | Direct |
| Jun 2, 26 | ROZOV YADIN Director |
STOCK | 637 | $0 | Direct |
| Jun 2, 26 | KHAJEHNOURI NIMA Director |
STOCK | 637 | $0 | Direct |
| Mar 9, 26 | BEILMAN KYLE Chief Operating Officer |
STOCK | 47.98K | $0 | Direct |
| Mar 9, 26 | WILK JASON Chief Executive Officer |
STOCK | 104.64K | $0 | Direct |
| Mar 6, 26 | MITCHELL ANDREA SANDLER Director |
SELL | 30.00K | $6.39M | Direct |
| Feb 2, 26 | POPE MICHAEL W Director |
SELL | 544 | $88.13K | Direct |
| Jan 27, 26 | BEILMAN KYLE Chief Operating Officer |
CONVERSION | 5.00K | $7.10K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BEILMAN KYLE |
Chief Operating Officer | 196.16K | Sale |
CARROLL BRENDAN |
Director | 2.27K | Stock Award(Grant) |
KHAJEHNOURI NIMA |
Director | 637 | Stock Award(Grant) |
KHAN IMRAN |
Director | — | Sale |
MITCHELL ANDREA SANDLER |
Director | 6.51K | Sale |
POPE MICHAEL W |
Director | 6.47K | Stock Award(Grant) |
PRESTON DAN |
Director | 5.19K | Sale |
ROZOV YADIN |
Director | — | Stock Gift |
WILK JASON |
Chief Executive Officer | 347.83K | Sale |
Fundamentals
Market cap$4.38B
Enterprise value$4.39B
Revenue (TTM)$643.65M
Gross profit$461.81M
EBITDA$232.34M
Net income$222.64M
EPS (TTM)$14.43
Free cash flow$167.17M
Total cash$254.07M
Total debt$268.47M
Book value / share$16.30
Shares outstanding11.44M
Float9.55M
Short % of float20.20%
Dividend yield0.00%
Beta (5Y)3.93
Valuation & profitability ratios
Trailing P/E23.78
Forward P/E15.46
PEG ratio—
Price / sales—
Price / book21.05
EV / revenue6.82
EV / EBITDA18.90
Gross margin71.75%
Operating margin32.95%
Profit margin34.59%
Return on equity104.78%
Return on assets31.01%
Debt / equity129.14
Current ratio4.22
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $554.18M | $347.08M | $259.09M | $204.84M | +59.7% |
| Operating revenue | $554.18M | $347.08M | $259.09M | $204.84M | +59.7% |
| Cost of revenue | $73.78M | $65.10M | $61.39M | $31.95M | +13.3% |
| Gross profit | $480.40M | $281.98M | $197.70M | $172.89M | +70.4% |
| Selling, general & admin | $169.34M | $159.21M | $149.97M | $172.47M | +6.4% |
| Total operating expense | $293.78M | $247.37M | $239.90M | $307.29M | +18.8% |
| Operating income | $186.62M | $34.61M | -$42.20M | -$134.40M | +439.2% |
| Net interest income | -$5.45M | -$5.00M | -$6.48M | -$10.84M | -8.8% |
| Pre-tax income | $168.03M | $60.35M | -$48.40M | -$128.97M | +178.4% |
| Tax provision | -$27.84M | $2.48M | $120.00K | -$67.00K | -1,222.0% |
| Net income | $195.87M | $57.87M | -$48.52M | -$128.91M | +238.4% |
| Net income to common | $195.87M | $57.87M | -$48.52M | -$128.91M | +238.4% |
| Basic EPS | 14.65 | 4.62 | -4.07 | -10.92 | +217.1% |
| Diluted EPS | 13.53 | 4.19 | -4.07 | -10.92 | +222.9% |
| EBIT | $175.07M | $68.34M | -$36.62M | -$119.78M | +156.2% |
| EBITDA | $182.20M | $76.02M | -$31.08M | -$112.64M | +139.7% |
| Basic shares | 13.37M | 12.53M | 11.93M | 11.80M | +6.7% |
| Diluted shares | 14.48M | 13.82M | 11.93M | 11.80M | +4.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $80.52M | $49.72M | $41.76M | $22.89M | — | +62.0% |
| Cash & short-term investments | $121.31M | $90.29M | $155.94M | $191.96M | — | +34.4% |
| Accounts receivable | $297.31M | $175.86M | $112.85M | $104.18M | — | +69.1% |
| Total current assets | $436.70M | $282.27M | $276.89M | $308.57M | — | +54.7% |
| Property, plant & equipment | $669.00K | $1.21M | $1.89M | $1.76M | — | -44.8% |
| Goodwill & intangibles | $13.67M | $13.64M | $13.21M | $10.16M | — | +0.2% |
| Total assets | $487.42M | $299.33M | $294.02M | $321.49M | — | +62.8% |
| Total current liabilities | $114.00M | $35.06M | $25.60M | $36.42M | — | +225.1% |
| Current debt | $75.00M | — | — | — | $35.75M | — |
| Long-term debt | — | $75.00M | $180.45M | $177.32M | $35.00M | — |
| Total debt | $75.20M | $75.55M | $181.29M | $178.15M | — | -0.5% |
| Total liabilities | $134.69M | $116.23M | $206.96M | $214.93M | — | +15.9% |
| Retained earnings | $43.42M | -$152.45M | -$210.32M | -$161.80M | — | +128.5% |
| Shareholder equity | $352.73M | $183.10M | $87.06M | $106.56M | — | +92.6% |
| Working capital | $322.70M | $247.21M | $251.28M | $272.15M | — | +30.5% |
| Net tangible assets | $339.06M | $169.46M | $73.86M | $96.40M | — | +100.1% |
| Shares issued | 13.87M | 13.07M | 12.20M | 11.85M | — | +6.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $195.87M | $57.87M | -$48.52M | -$128.91M | +238.4% |
| Depreciation & amortisation | $7.13M | $7.68M | $5.54M | $7.13M | -7.2% |
| Stock-based compensation | $29.90M | $37.33M | $26.67M | $40.64M | -19.9% |
| Change in working capital | -$12.91M | -$1.84M | -$11.19M | -$9.10M | -603.2% |
| Operating cash flow | $290.02M | $125.14M | $33.75M | -$44.88M | +131.8% |
| Capital expenditure | -$6.77M | -$7.56M | -$8.58M | -$9.31M | +10.4% |
| Investing cash flow | -$202.75M | -$45.84M | -$14.38M | -$285.58M | -342.3% |
| Share buybacks | -$43.73M | $0 | -$12.00K | -$536.00K | — |
| Financing cash flow | -$56.29M | -$71.00M | $22.00K | $321.77M | +20.7% |
| Free cash flow | $283.25M | $117.58M | $25.17M | -$54.20M | +140.9% |
| End cash position | $82.36M | $51.38M | $43.08M | $23.68M | +60.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $170.79M | $158.41M | $163.72M | $150.72M | $131.76M | +7.8% |
| Operating revenue | $170.79M | $158.41M | $163.72M | $150.72M | $131.76M | +7.8% |
| Cost of revenue | $22.12M | $20.71M | $19.76M | $19.97M | $17.29M | +6.8% |
| Gross profit | $148.68M | $137.71M | $143.96M | $130.75M | $114.47M | +8.0% |
| Selling, general & admin | $56.10M | $41.85M | $44.52M | $43.75M | $41.89M | +34.0% |
| Total operating expense | $96.44M | $78.14M | $79.46M | $84.85M | $73.38M | +23.4% |
| Operating income | $52.24M | $59.57M | $64.49M | $45.90M | $41.08M | -12.3% |
| Net interest income | -$692.00K | -$905.00K | -$1.44M | -$1.50M | -$1.19M | +23.5% |
| Pre-tax income | $14.67M | $70.16M | $64.22M | $58.43M | $11.51M | -79.1% |
| Tax provision | $7.98M | $12.22M | -$1.72M | -$33.64M | $2.47M | -34.7% |
| Net income | $6.69M | $57.94M | $65.94M | $92.07M | $9.04M | -88.5% |
| Net income to common | $6.69M | $57.94M | $65.94M | $92.07M | $9.04M | -88.5% |
| Basic EPS | 0.53 | 4.31 | 4.88 | 6.84 | 0.68 | -87.7% |
| Diluted EPS | 0.49 | 4.02 | 4.57 | 6.34 | 0.62 | -87.8% |
| EBIT | $16.69M | $71.89M | $65.94M | $60.22M | $13.29M | -76.8% |
| EBITDA | $18.74M | $73.51M | $68.03M | $62.10M | $14.90M | -74.5% |
| Basic shares | 12.72M | 13.43M | 13.51M | 13.45M | 13.38M | -5.3% |
| Diluted shares | 13.68M | 14.40M | 14.44M | 14.51M | 14.68M | -5.0% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $209.61M | $133.33M | $80.52M | $49.89M | $61.69M | — | +57.2% |
| Cash & short-term investments | $254.07M | $175.93M | $121.31M | $91.73M | $102.85M | — | +44.4% |
| Accounts receivable | $232.22M | $279.14M | $297.31M | $268.29M | $225.66M | — | -16.8% |
| Total current assets | $519.10M | $479.63M | $436.70M | $385.97M | $346.37M | — | +8.2% |
| Property, plant & equipment | $813.00K | $845.00K | $669.00K | $795.00K | $947.00K | — | -3.8% |
| Goodwill & intangibles | $14.20M | $13.69M | $13.67M | $13.94M | $13.94M | — | +3.7% |
| Total assets | $570.78M | $530.53M | $487.42M | $433.25M | $363.56M | — | +7.6% |
| Total current liabilities | $122.93M | $124.34M | $114.00M | $44.39M | $36.41M | — | -1.1% |
| Current debt | $75.00M | $75.00M | $75.00M | — | — | — | 0.0% |
| Long-term debt | $193.13M | $192.78M | — | $75.00M | $75.00M | $75.00M | +0.2% |
| Total debt | $268.47M | $268.21M | $75.20M | $75.30M | $75.38M | — | +0.1% |
| Total liabilities | $362.89M | $326.75M | $134.69M | $141.94M | $146.49M | — | +11.1% |
| Retained earnings | $108.04M | $101.35M | $43.42M | -$22.52M | -$114.59M | — | +6.6% |
| Shareholder equity | $207.89M | $203.78M | $352.73M | $291.31M | $217.07M | — | +2.0% |
| Working capital | $396.17M | $355.28M | $322.70M | $341.58M | $309.96M | — | +11.5% |
| Net tangible assets | $193.69M | $190.09M | $339.06M | $277.38M | $203.14M | — | +1.9% |
| Shares issued | 12.80M | 13.90M | 13.87M | 13.77M | 13.63M | — | -7.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $6.69M | $57.94M | $65.94M | $92.07M | $9.04M | -88.5% |
| Depreciation & amortisation | $2.05M | $1.62M | $2.09M | $1.88M | $1.62M | +26.4% |
| Stock-based compensation | $16.35M | $7.10M | $6.88M | $7.21M | $8.29M | +130.2% |
| Change in working capital | -$22.46M | $170.00K | -$1.82M | -$3.48M | -$4.39M | -13,310.6% |
| Operating cash flow | $68.38M | $82.03M | $93.29M | $83.25M | $68.24M | -16.6% |
| Capital expenditure | -$2.68M | -$1.56M | -$1.74M | -$1.77M | -$1.86M | -71.9% |
| Investing cash flow | $27.42M | -$10.14M | -$50.83M | -$70.07M | -$53.79M | +370.4% |
| Share buybacks | -$19.13M | -$186.72M | -$11.84M | -$25.00M | $0 | +89.8% |
| Financing cash flow | -$19.51M | -$19.08M | -$11.83M | -$24.97M | $418.00K | -2.2% |
| Free cash flow | $65.70M | $80.47M | $91.55M | $81.48M | $66.38M | -18.4% |
| End cash position | $211.45M | $135.17M | $82.36M | $51.73M | $63.53M | +56.4% |
Options analytics
Put / call volume
0.95
Call-heavy session
Put / call open interest
0.79
Positioning, not flow
Max pain
340.00
-0.9% from spot
ATM implied vol
76.0%
Nearest strike to spot
Skew (10% OTM)
-2.7%
Calls bid over puts
Call volume
147
Contracts, this expiry
Put volume
140
Contracts, this expiry
Heaviest call OI
510.00
150 contracts
Heaviest put OI
285.00
70 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 3.84 | 4.12 | +7.3% |
| Mar 2026 | 3.08 | 3.64 | +18.2% |
| Dec 2025 | 3.75 | 3.69 | -1.6% |
| Sep 2025 | 2.34 | 4.24 | +81.0% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 4.45 | 14 | $191.46M | +27.0% |
| Next quarter | 5.20 | 14 | $210.40M | +28.5% |
| Current year | 17.37 | 14 | $731.06M | +31.9% |
| Next year | 22.20 | 14 | $896.63M | +22.6% |
Analyst targets & ownership
Mean target$444.21
High target$500.00
Low target$350.00
Implied upside27.28%
Analyst count14
ConsensusBUY
Strong buy / Buy5 / 8
Hold2
Sell / Strong sell0 / 0
Held by insiders10.42%
Held by institutions110.09%
Institutions holding468
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
334.94
+4.20% from price
SMA 20
346.26
-0.90% from price
SMA 50
355.31
-3.42% from price
SMA 100
341.33
+2.25% from price
SMA 200
275.40
+24.60% from price
EMA 12
343.29
+1.66% from price
EMA 26
347.93
+0.31% from price
EMA 50
349.92
-0.26% from price
RSI (14)
48.4
Neutral
MACD (12,26,9)
-4.63
Hist 1.80
ATR (14)
20.00
5.83% of price
Realised vol 30D
65.9%
Annualised
Bollinger upper
379.53
20, 2σ
Bollinger lower
312.98
20, 2σ
50 / 200 cross
Golden
355.31 vs 275.40
Trend bias
Above 200
+24.60%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
2.48
More volatile than market
Correlation to SPY
0.46
Loosely linked
Realised vol 30D
65.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-39.1%
Peak to trough
Max drawdown 5Y
-99.0%
Peak to trough
ATR 14
20.00
5.83% of price
Beta (reported)
3.93
5Y monthly, from filing
Short interest
Shares short
2.27M
Prior 2.43M
Change vs prior
-6.8%
Shorts covering
% of float
20.20%
Heavily shorted
% of shares out
17.77%
Against total outstanding
Days to cover
6.4
Crowded exit
Float
9.55M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 15, 26 | JP Morgan | INITIATED | — | Overweight |
| Sep 9, 26 | Loop Capital | INITIATED | — | Buy |
| Aug 17, 26 | Piper Sandler | INITIATED | — | Overweight |
| Aug 11, 26 | Evercore ISI Group | MAINTAINED | In-Line | In-Line |
| Aug 6, 26 | Canaccord Genuity | MAINTAINED | Buy | Buy |
| Aug 6, 26 | B. Riley Securities | MAINTAINED | Buy | Buy |
| Aug 6, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Aug 6, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Jul 14, 26 | UBS | MAINTAINED | Buy | Buy |
| Jul 13, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 9, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Jul 1, 26 | Benchmark | MAINTAINED | Buy | Buy |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split1:32
Split dateJan 6, 2023
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-14
Periodic Financial Reports
10-Q · 2026-08-05
Corporate Changes & Voting Matters
8-K · 2026-06-02
Periodic Financial Reports
10-Q · 2026-05-05
Proxy Statements
DEF 14A · 2026-04-20
Corporate Changes & Voting Matters
8-K · 2026-03-09
Corporate Changes & Voting Matters
8-K · 2026-03-06
Corporate Changes & Voting Matters
8-K · 2026-03-03
Headlines
Top Bank Names 6 Stocks With Major Catalysts Ahead
GuruFocus.com · 4d ago
MarketBeat Week in Review – 09/21 - 09/25
MarketBeat · 11d ago
SEZL vs. DAVE: Which Consumer Fintech Stock Is the Better Bet?
Zacks · 12d ago
Dave’s Success Has Investors Split
MarketBeat · 12d ago
3 Consumer Credit Stocks Facing The Next Rate Shock
Simply Wall St. · 12d ago
Dave (DAVE) Climbed, But What Is Drawing Fresh Attention?
Simply Wall St. · 20d ago
Ulta Beauty, Etsy upgraded: Wall Street's top analyst calls
The Fly · 22d ago
JPMorgan Initiates Dave at Overweight With $480 Price Target
MT Newswires · 22d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.