Is Dave (DAVE) Still Attractive After A 146% One Year Share Price Surge

Simply Wall St.03-14

Wondering whether Dave's share price still offers value after a strong run, or if most of the opportunity is already priced in? This article will focus squarely on what the numbers suggest about where...

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This article will focus squarely on what the numbers suggest about where...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-dave/dave/news/is-dave-dave-still-attractive-after-a-146-one-year-share-pri\">Source Link</a>\n\n</div>\n","source":"simplywall_highlight","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Is Dave (DAVE) Still Attractive After A 146% One Year Share Price Surge</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nIs Dave (DAVE) Still Attractive After A 146% One Year Share Price Surge\n</h2>\n\n<h4 class=\"meta\">\n\n\n2026-03-14 22:30 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://simplywall.st/stocks/us/diversified-financials/nasdaq-dave/dave/news/is-dave-dave-still-attractive-after-a-146-one-year-share-pri><strong>Simply Wall St.</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Wondering whether Dave's share price still offers value after a strong run, or if most of the opportunity is already priced in? This article will focus squarely on what the numbers suggest about where...</p>\n\n<a href=\"https://simplywall.st/stocks/us/diversified-financials/nasdaq-dave/dave/news/is-dave-dave-still-attractive-after-a-146-one-year-share-pri\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"DAVE","symbol_name":"Dave Inc","start_time":0,"source_url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-dave/dave/news/is-dave-dave-still-attractive-after-a-146-one-year-share-pri","article_id":"2619124997","we_media_id":null,"thumbnails":["https://images.simplywall.st/asset/industry/8041000-choice2-main-header/1585186556238"],"rights":{"source":"simplywall_highlight","url":"https://simplywall.st/stocks/us/diversified-financials/nasdaq-dave/dave/news/is-dave-dave-still-attractive-after-a-146-one-year-share-pri","rn_cache_url":null,"directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2619124997","pubTimestamp":1773498618,"columns":[],"sourceInfo":{"source_id":"simplywall_highlight","name":"Simply Wall St."},"weMediaInfo":null,"summary":"Wondering whether Dave's share price still offers value after a strong run, or if most of the opportunity is already priced in? This article will focus squarely on what the numbers suggest about where the stock stands today.\nDave closed at US$212.02, with a 7 day return of 2.4% decline, a 30 day return of 25.0%, a year to date return of 3.4% decline, and a 1 year return of 145.7%, while the 3 year return is a very large gain.\nRecent news around Dave has centered on its position in the US...","collect":0,"end_time":0,"defaultTopTitle":"simplywall.st","property":[],"viewcount":null,"language":"en","relate_stocks":{"DAVE":"Dave Inc","BK4023":"应用软件","BK4166":"消费信贷"},"translate_title":"戴夫(DAVE)股价一年飙升146%后仍有吸引力吗","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"DAVE":1.5},"content_text":"Wondering whether Dave's share price still offers value after a strong run, or if most of the opportunity is already priced in? This article will focus squarely on what the numbers suggest about where the stock stands today. Dave closed at US$212.02, with a 7 day return of 2.4% decline, a 30 day return of 25.0%, a year to date return of 3.4% decline, and a 1 year return of 145.7%, while the 3 year return is a very large gain. Recent news around Dave has centered on its position in the US diversified financials space and how investors are reacting to the company after this sharp multi year move. Together with the strong 1 year and very large 3 year returns, this context helps explain why the stock is attracting more attention from both new and existing shareholders. On our checklist based valuation model, Dave scores a 3 out of 6 valuation score, which means it screens as undervalued on half of the checks we run. Next we will walk through what those valuation approaches say about the stock today and finish with a way to assess value that goes beyond any single model.  Dave delivered 145.7% returns over the last year. See how this stacks up to the rest of the Consumer Finance industry. AdvertisementApproach 1: Dave Excess Returns Analysis The Excess Returns model looks at how efficiently a company turns shareholder capital into earnings, then compares those earnings to the return investors typically require. In simple terms, it asks whether each dollar of equity is pulling its weight. For Dave, the model uses a Book Value of $26.03 per share and a Stable EPS of $2.28 per share, based on the median return on equity from the past 5 years. The Average Return on Equity is 20.26%, while the Cost of Equity is $0.87 per share. That leads to an Excess Return of $1.41 per share, suggesting earnings are above the required return in this framework. The Stable Book Value input is $11.24 per share, taken from the median book value over the past 5 years. Putting these pieces together, the Excess Returns model arrives at an intrinsic value of US$44.02 per share. Compared with the current share price of US$212.02, that implies the stock is 381.6% overvalued on this measure. Result: OVERVALUED Our Excess Returns analysis suggests Dave may be overvalued by 381.6%. Discover 48 high quality undervalued stocks or create your own screener to find better value opportunities. DAVE Discounted Cash Flow as at Mar 2026 Head to the Valuation section of our Company Report for more details on how we arrive at this Fair Value for Dave. Approach 2: Dave Price vs Earnings For a profitable company like Dave, the P/E ratio is a straightforward way to link what you pay today with the earnings the business is currently generating. It helps you see how many dollars investors are willing to pay for each dollar of earnings. What counts as a “normal” or “fair” P/E depends on how the market views the company’s growth prospects and risk profile. Higher expected growth or lower perceived risk can justify a higher P/E, while lower growth or higher risk usually point to a lower P/E. Dave is currently trading on a P/E of 14.62x. That sits above the Consumer Finance industry average P/E of 7.79x and below the peer group average of 17.20x. Simply Wall St’s Fair Ratio for Dave is 20.87x, which is its proprietary view of what a reasonable P/E could look like after factoring in the company’s earnings growth, profit margins, industry, market cap and specific risks. The Fair Ratio is more tailored than a simple comparison with peers or the broad industry, because it attempts to match Dave’s own characteristics rather than assuming all companies in the sector deserve similar multiples. With Dave’s actual P/E of 14.62x below the Fair Ratio of 20.87x, this approach suggests that the shares may be undervalued on earnings. Result: UNDERVALUED NasdaqGM:DAVE P/E Ratio as at Mar 2026 P/E ratios tell one story, but what if the real opportunity lies elsewhere? Start investing in legacies, not executives. Discover our 18 top founder-led companies. Upgrade Your Decision Making: Choose your Dave Narrative Earlier we mentioned that there is an even better way to understand valuation. On Simply Wall St’s Community page you can use Narratives to link your view of Dave’s story to a clear forecast and fair value. You can then compare that to today’s price to help guide investment decisions. Each Narrative captures your assumptions for future revenue, earnings and margins, updates automatically as new news or earnings are released, and allows very different perspectives to sit side by side in an easy to use format. For example, one investor might think Dave is worth US$177 based on more cautious assumptions, while another might see value closer to US$320 based on a more optimistic view. Do you think there's more to the story for Dave? Head over to our Community to see what others are saying! NasdaqGM:DAVE 1-Year Stock Price Chart  This article by Simply Wall St is general in nature. We provide commentary based on historical data\n    and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your\n    financial situation. We aim to bring you long-term focused analysis driven by fundamental data.\n    Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.\n    Simply Wall St has no position in any stocks mentioned.New: Manage All Your Stock Portfolios in One PlaceWe've created the ultimate portfolio companion for stock investors, and it's free.• Connect an unlimited number of Portfolios and see your total in one currency• Be alerted to new Warning Signs or Risks via email or mobile• Track the Fair Value of your stocksTry a Demo Portfolio for FreeHave feedback on this article? Concerned about the content? Get in touch with us directly. 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