Dave (DAVE)
Provides paycheck-gap credit, digital checking, and subscription money-management tools through one mobile app.
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Provides short-term paycheck-gap credit through ExtraCash, Dave Checking deposit accounts, and subscription financial tools, earning mainly ExtraCash service fees alongside membership and transaction revenue. Uses transaction-level cash-flow underwriting and depends on partner banks to provide accounts, credit, and payment-network access.
Provides short-term paycheck-gap credit through ExtraCash, a digital demand-deposit account through Dave Checking, and subscription tools for budgeting, automated savings, and flexible-work discovery. ExtraCash uses CashAI to analyze linked checking-account transactions, set eligibility and limits without bureau scores, and schedule settlement around expected deposits.
Earns mainly service fees tied to ExtraCash, plus monthly membership fees and interchange, deposit interest, and other transaction revenue from Dave Checking. Operations and members are U.S.-based, and ExtraCash drives most revenue.
Operates as a financial-technology provider rather than a chartered bank. Evolve Bank & Trust and Coastal Community Bank issue accounts and provide banking and network access, while Galileo processes all ExtraCash, checking, and debit-card transactions.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 8, 2026 | Loop Capital Markets | Initiate | Rating: —Target: $53 | Target: $500 |
| Aug 17, 2026 | Piper Sandler | Initiate | Rating: —Target: — | Target: $390 |
| Aug 6, 2026 | Lake Street | Reiterate | Rating: —Target: $332 | Target: $450 |
| Aug 6, 2026 | Canaccord Genuity | Reiterate | Rating: —Target: $342 | Target: $450 |
| Aug 6, 2026 | B.Riley Financial | Target | Target: — | Target: $449 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $252.6M · Total debt $268.5M · Total assets $570.8M · Shareholders' equity $207.9M
- Revenue
- $170.8M
- Operating income
- $52.2M
- Net income
- $6.7M
No dividends on record.
| Institutions | 97.12% | 12.39M shares | |
|---|---|---|---|
| 374 holders · as of Jun 30, 2026 | |||
| Insiders | 14.86% | 1.90M shares | |
| 8 holders · as of Sep 4, 2026 | |||
| Strategic holders | 12.87% | 1.64M shares | |
| 2 holders · as of May 15, 2026 | |||
| Adds to | 124.85% | ||
12.76M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 124.85%; nothing is left for Other.
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 13.08% | 1.67M A | as of Jun 30, 2026 |
Jason WilkInsiderdirector, officer: Chief Executive Officer | 12.59% | 292,141 A · 1.31M V | filed Sep 4, 2026 |
Hood River Capital Management LLCInstitution | 8.66% | 1.10M A | as of Jun 30, 2026 |
Section 32 Fund 1, LPStrategic10 percent owner | 8.06% | 1.03M A | filed Oct 11, 2024 |
Divisadero Street Capital Management, LPInstitution | 5.48% | 699,366 A | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 14, 2026 | Brendan Carroll | director | −33,453 | $368.00 |
| Sep 11, 2026 | Brendan Carroll | director | −16,179 | $368.00 |
| Sep 10, 2026 | Brendan Carroll | director | −15,359 | $368.00 |
| Sep 4, 2026 | Brendan Carroll | director | −300,000 | $368.00 |
| Jun 5, 2026 | Dan Preston | director | −275 | $259.83 |
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- Affirm
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Dave | $350.76 | −0.80% | $4.71B | 22.7 | 19.4 | 7.3 | +29.7% |
| Chime | $29.03 | +1.43% | $11.40B | — | 42.8 | 4.8 | +26.8% |
| Block | $77.36 | −0.21% | $46.37B | 139.1 | 16.9 | 1.9 | +9.3% |
| SoFi | $17.15 | −0.06% | $21.77B | 35.4 | 23.4 | 3.9 | +41.0% |
| Gen Digital | $27.39 | +0.35% | $17.45B | 16.9 | 9.0 | 3.4 | +6.3% |
| Upstart | $25.91 | −0.24% | $2.45B | 50.0 | 14.5 | 1.9 | +41.8% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| Affirm | $71.80 | +0.10% | $23.79B | 12.9 | 37.5 | 5.7 | +33.0% |
| Median | 26.2 | 16.9 | 3.4 | +26.8% |