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Stock Ratings / Financials / DAVE
CORZ (25) ENVA (61) BLSH (43) NNI (53) ⌘ Pro Terminal →

Dave Inc. (DAVE) — RQD Stock Rating Cockpit

$316.79 -5.38% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $314.48

Dave Inc. (DAVE) earns a Roarable Rating of B+ (Buy) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 55% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate) →
ROARABLE B+ • BUY Cap $4.04B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on DAVE Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is DAVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Dave Inc. (NASDAQ: DAVE) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $316.79 (-5.38% 1D, market cap $4.04B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 19/20. Across 1096 tracked Financials issuers, DAVE ranks #30 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does DAVE compare to CORZ and ENVA in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), DAVE carries a Roarable B+ (76/100 RQD), trailing P/E of 21.8x, gross margin of —, and ROIC of 55.3%. By comparison, CORZ (Core Scientific Inc.) holds a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $4.26B) and ENVA (Enova International Inc.) posts a C- grade (61/100 RQD, P/E 14.4x, ROIC 17.1%, cap $4.26B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while DAVE leads on capital efficiency (55.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for DAVE?
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Per DAVE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001841408), Dave Inc. generated $554.2M in revenue (+59.7% YoY), $196.0M in net income, and $289.7M in free cash flow against $487.4M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $314.48 (-0.73%)🧬 Cannibal Buyback (-3.20% YoY Shares)⚙️ Cash Engine: 20/20 (A+) • 52.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 76/100 (B+) historically ranked in the Top 11% of excess returns over the next 90 days (+7.6% avg 90D alpha vs SPY • 70.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B+
025507510076
3-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk B
Cash (20)Whales (8)SEC (15)Macro (14)CEO (19)
Each axis scored 0–20
12M PRICE TARGET CONE+8.1% Base Target
$481 Bull$342 Base$260 Bear
📬 FREE DAVE RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for DAVE)Realized 20D OHLCV Swing Band: ±11.4%
Deterministic 5-Pillar Attribution (76/100 Composite)
🔍 WHY DAVE SCORES 76/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+20/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 52.3% FCF Margin ($289.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+19/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 86% Net Buy • Cannibal Buyback (-3.20% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
84
Grade A$356.80+5.6% Next Q
Q2 (-2Q)
81
Grade A-$376.76-14.4% Next Q
Q3 (-1Q)
79
Grade A-$322.69-1.8% Next Q
Current
76
Grade B+$316.79+7.6% Hist 90D α
Trajectory: A (84) → B+ (76)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the DAVE Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 76/100 (B+) score, DAVE faces multiple-compression risk if 21.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-3.20% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($352.08) or 200D SMA ($289.22) invalidates the momentum regime and cuts Target Base ($342.45) toward Bear Floor ($259.77).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $DAVE• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “DAVE Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 76%NO 24%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
41.230 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
9 / 99-Pt Accounting
52-WEEK LASER RANGE54% OF RANGE
L: $152$316.79H: $458
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: A+RQD 20 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● ALL CLEAR
SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on DAVE

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (98)

55.3% ROIC with 42.0% gross margin and 6.78% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (75)

Altman-Z 4.20 and Piotroski 9/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (68)

27/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like DAVE
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
  • ✓Company leadership has skin in the game with net positive insider conviction.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (DAVE Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
DAVE // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.48%🛡️ HOLDING TREND SUPPORT
2026-11-03O $334.8H $334.8L $316.8C $316.8VOL 384.5K
RES: $382.3SUP: $308.9SMA50: $352.1SMA200: $289.2
$475.6$403.6$331.5$259.5$187.4RES $382.3SUP $308.9$316.82026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

DAVE Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 DAVE Butterfly Map → + Track DAVE →
Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
15.5%/yr Implied 5Y Growth

vs. +59.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on DAVE today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for DAVE. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for DAVE today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (DAVE)

Financials Rank #30 of 1096 ⚔️ CORZ vs DAVE Full Matrix →

1. Head-to-Head Financials Peer Comparison (DAVE vs. CORZ, ENVA, BLSH, NNI)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Dave Inc. (DAVE) ranks #30 by composite RQD confidence (76/100, grade B+) and #308 by equity capitalization ($4.04B). Within this direct 5-issuer industry benchmark cohort, NNI leads on earnings valuation at 10.3x trailing P/E, while DAVE leads on capital efficiency and profitability with 55.3% ROIC and — gross margin. DAVE currently leads its immediate peer cohort in composite quantitative strength at 76/100 (B+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
DAVE ACTIVE
Dave Inc.
B+ 76/100 21.8x — 55.3% -5.38% $4.04B Benchmark Subject
CORZ
Core Scientific Inc.
E 25/100 — — -35.0% -8.18% $4.26B /corz-vs-dave →
ENVA
Enova International Inc.
C- 61/100 14.4x — 17.1% -3.84% $4.26B /enva-vs-dave →
BLSH
Bullish
D- 43/100 — — — -16.05% $3.82B /blsh-vs-dave →
NNI
Nelnet Inc.
D+ 53/100 10.3x — 11.6% -0.87% $4.38B /nni-vs-dave →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001841408

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Dave Inc. (DAVE) reported GAAP revenue of $554.2M (+59.7% vs. FY2024 revenue of $347.1M , and +113.9% cumulative change since FY2023) , GAAP net income of $196.0M, operating cash flow of $290.0M, and free cash flow of $289.7M (+132.0% YoY). On the balance sheet, DAVE closed FY2025 with $487.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $554.2M $196.0M $290.0M $289.7M $487.4M $0
FY2024 (FY) 2024-12-31 $347.1M $58.0M $125.1M $124.9M $299.3M $75.0M
FY2023 (FY) 2023-12-31 $259.1M -$49.0M $33.8M $22.1M $2.35B $549.6M

3. DAVE Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is DAVE stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Dave Inc. (NASDAQ: DAVE) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 76/100 at a spot price of $316.79 (-5.38% 1D, market cap $4.04B). Pillar breakdown: Fundamental Cash Engine 20/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 19/20. Across 1096 tracked Financials issuers, DAVE ranks #30 in composite RQD confidence.

How does DAVE compare to CORZ and ENVA in the Financials sector?

Within the Financials sector (Finance: Consumer Services), DAVE carries a Roarable B+ (76/100 RQD), trailing P/E of 21.8x, gross margin of —, and ROIC of 55.3%. By comparison, CORZ (Core Scientific Inc.) holds a E grade (25/100 RQD, P/E N/A, ROIC -35.0%, cap $4.26B) and ENVA (Enova International Inc.) posts a C- grade (61/100 RQD, P/E 14.4x, ROIC 17.1%, cap $4.26B). Among the 5-stock peer group, NNI leads on earnings multiple (10.3x) while DAVE leads on capital efficiency (55.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for DAVE?

Per DAVE's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001841408), Dave Inc. generated $554.2M in revenue (+59.7% YoY), $196.0M in net income, and $289.7M in free cash flow against $487.4M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is DAVE trading relative to its 50-day, 200-day, and 52-week technical levels?

DAVE last traded at $316.79 (-5.38% on volume of 384,526 shares), positioning the stock -10.02% below its 50-day simple moving average ($352.08) and +9.53% above its 200-day simple moving average ($289.22). Across its 52-week range of $152.21 to $458.25, DAVE sits at the 53.8% percentile with a 14-day RSI of 41.2 (NEUTRAL RANGE) and an implied next-earnings move of ±11.4% ($280.68 to $352.90).

DAVE Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell DAVE stock right now?

Dave Inc. (DAVE) currently earns a Roarable Rating of B+ (Buy — BUY) with 76/100 RQD Confidence. High-quality cash engine (steady margins, 55% return on capital) with steady institutional support.

What is DAVE's 12-month price target and RQD AI Jury consensus?

DAVE's 12-month base price target is $342.45 (range $259.77 to $481.16), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: DAVE RQD Cockpit DAVE 12M Forecast DAVE Earnings & Move DAVE Dividends & DRIP DAVE Insiders & 13F DAVE Whale Options DAVE Profit Sankey DAVE News & Why
ROARABLE RATING BRIEF • RQD 76/100 (B+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

DAVE — Dave Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:21:57Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, DAVE scores 80 out of 100, a B+ grade labeled "Roarable Buy — Very Good Cash & Smart-Money Inflow." The five pillars are:

  • Fundamental Cash Engine (20 / 20): Return on invested capital is 55.3% and FCF yield is 6.78%. This is the strongest pillar and suggests the business converts capital into cash efficiently, which is the main upside driver in the rating.
  • Whale 13F Flow (11 / 20): Institutional accumulation and options positioning score moderately. The source data does not include 13F holdings detail, so this pillar cannot be decomposed further here.
  • Insider Conviction (19 / 20): SEC Form 4 and Congressional PTR cluster flow score near the top of the range, indicating a strong insider-activity signal according to the rating. The underlying transaction records are not itemized in the source data.
  • Macro Regime Fit (15 / 20): Beta of 0.96 and sector sensitivity place the stock close to market-level volatility, a moderate-risk profile in this framework.
  • Forensic Balance Sheet (15 / 20): Altman Z of 2.5, Piotroski F of 9/9, and Debt/Equity of 0.5 indicate a sound balance sheet with a perfect Piotroski reading, held back only by the Altman reading.

For a prospective investor, the investment case rests on cash generation and balance-sheet improvement. The valuation tradeoff is that the stock trades at a trailing P/E of 21.8 and an EV/EBITDA of 17.5, so the price already reflects substantial profitability. The 52-week range of $152.21 to $458.25 shows wide price dispersion, meaning the rating's positive signals coexist with significant historical volatility. This brief is educational and not personalized advice.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
$334.8$4.27B21.818.317.515.370%0.96$152.21 - $458.2555.3%

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$554.2M$231.3M$196.0MN/A$289.7M$80.5M$0.0M
FY 2024$347.1M$68.4M$58.0MN/A$124.9M$49.7M$75.0M
FY 2023$259.1M$-57.8M$-49.0MN/A$22.1MN/A$549.6M

Per the SEC financials, revenue rose from $259.1M in FY 2023 to $554.2M in FY 2025, and net income moved from a $-49.0M loss to $196.0M. Operating margin is 43.1% and net margin is 35.4% per the market data. Per the Roarable RQD rating, ROIC is 55.3%, Altman Z-Score is 2.5, and Piotroski F-Score is 9/9. Debt fell from $549.6M in FY 2023 to $0.0M in FY 2025, and the Debt/Equity ratio is 0.5 per the rating.

Recent Catalysts & News Wire Analysis

The news feed contains six items, all tagged to DAVE. Five are marked YELLOW "MARKET WIRE" items from Yahoo Finance UK, Yahoo! Finance Canada, Stocktwits, Morningstar, and Investing.com. The Investing.com item reports that Monness initiated coverage at neutral ahead of earnings. The Morningstar item carries the headline "2 Undervalued US Stocks to Watch Before They Rebound." One item from WTVY is marked RED "RISK WATCH," but its headline concerns a Dothan commissioner and does not appear to relate to Dave Inc. The Butterfly Supply-Chain Graph reports no supply-chain links and no proprietary signals.

Analyst View & Smart Money Ownership

Analyst data is not available in source data. Holder data, including 13F, Form 4, and Congressional trades, is not available in source data. The Monness neutral initiation mentioned in the news feed is the only analyst reference and carries no price target in the source data.

Open Questions

  • What specific products and revenue streams produce the reported FY 2025 revenue of $554.2M?
  • Which institutional and insider transactions drive the Whale and Insider pillar scores, and how concentrated are they?
  • Why is FY 2025 EPS reported as N/A, and what is the share count underlying the $4.27B market capitalization?
  • What explains the 52-week range spread from $152.21 to $458.25, and what drove the stock's price history?
  • What is the nature of the Monness neutral initiation's rationale, and what earnings catalyst does it reference?

DAVE Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Dave Inc. (DAVE) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to DAVE Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

DAVE Bull vs. Bear Conversation Board — What's Your Call at $316.79?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON DAVE 🐻 33% BEARISH CONVICTION
1. Pick Your Side on DAVE:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $395.06 (+18.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is DAVE (B+ • RQD 80/100) a Buy at $334.80?

Welcome to the DAVE (Dave Inc.) Roar Pit. Current RQD Composite is 80/100 (Roarable Buy — Very Good Cash & Smart-Money Inflow) in Finance: Consumer Services. Bulls point to capital efficiency (55.3% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

VA ValDiscipline Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $274.54 (-18.0%)
Spot @ $334.80

Pump the brakes on DAVE — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on DAVE, but look at what you are paying: 21.8x trailing P/E with tightening sector spreads. Unless Dave Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

CA CashFlowKing Verified K Arena Trader 🐂 BULLISH 🎯 Target: $405.11 (+21.0%)
Spot @ $334.80

DAVE cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on DAVE, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $334.80 (52-wk range $152.21 - $458.25), any beat on forward guidance forces shorts and underweight funds to chase.

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