Added to YB: 2025-09-18
Pitch date: 2025-08-03
DAVE [bearish]
Dave Inc.
+15.82%
current return
Author Info
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Company Info
Dave Inc. provides various financial products and services through its financial services platform in the United States.
Market Cap
$2.8B
Pitch Price
$234.75
Price Target
95.00 (-52%)
Dividend
N/A
EV/EBITDA
19.15
P/E
20.29
EV/Sales
5.61
Sector
Consumer Finance
Category
N/A
Show full summary:
Dave Inc. - $DAVE (short)
DAVE short: Payday lender at 35x P/E faces 60% downside. Flawed unit economics (-$40 per MTM after $175 CAC), debt trap model, saturated $25M TAM with 50% already captured. New mandatory 5% fees vs competitors' optional tipping will drive churn. High-risk restaurant/retail customers vulnerable to macro weakness. Target $95 (10x 2026E EBITDA).
Read full article (13 min)