DAVE

Dave Inc. ·Nasdaq Global Market·Technology
371.51 live · 2026-08-26 15:59
70.8%
Brown Bear Score
89.3%
Business Conviction Score
46.3%
Position Health Score
34.3%
Chase Risk
Daily closes

Daily closes · 1Y (252 sessions) · +78.8% · range 155.92–442.53

The Businesswhat the company reports

Business & cash flow

FCF / assets 59.4%
OCF / assets 59.5%
FCF / revenue 52.3%
Gross margin 71.7%
ROIC 46.9%
Forward P/E

FCF/assets and OCF/assets are the cash-flow measures Brown Bear's own testing found to survive; FCF/revenue is shown alongside for context. Assets are from the latest annual filing (FY2025).

Price vs Earnings growth

Insufficient data to compare price against forward earnings growth

Confidence 25.0/100

Takeaway Low data confidence (limited analyst coverage) — treat this section as informational only.

Reported earnings

Next report 2026-11-02 · consensus EPS 4.41

Q2 23 revenue: 61.23mQ2 23 net income: -22.62mQ2 23 EPS: -1.90Q3 23 revenue: 65.81mQ3 23 net income: -12.05mQ3 23 EPS: -1.01Q3 23Q4 23 revenue: 73.12mQ4 23 net income: 179.00kQ4 23 EPS: 0.01Q1 24 revenue: 73.63mQ1 24 net income: 34.24mQ1 24 EPS: 2.60Q1 24Q2 24 revenue: 80.12mQ2 24 net income: 6.36mQ2 24 EPS: 0.47Q3 24 revenue: 92.49mQ3 24 net income: 466.00kQ3 24 EPS: 0.03Q3 24Q4 24 revenue: 100.84mQ4 24 net income: 16.81mQ4 24 EPS: 1.22Q1 25 revenue: 107.98mQ1 25 net income: 28.81mQ1 25 EPS: 1.97Q1 25Q2 25 revenue: 131.76mQ2 25 net income: 9.04mQ2 25 EPS: 0.62Q3 25 revenue: 150.72mQ3 25 net income: 92.07mQ3 25 EPS: 6.34Q3 25Q4 25 revenue: 163.72mQ4 25 net income: 65.94mQ4 25 EPS: 4.55Q1 26 revenue: 158.41mQ1 26 net income: 57.94mQ1 26 EPS: 4.02Q1 26

Revenue Net incomeEPS (GAAP) (-1.90–6.34, own scale) Derived Q4

12 quarters to Q1 26. Revenue and net income share one scale, so the gap between them is the margin. The baseline is zero — bars below it are losses. The line is GAAP EPS — it spans every quarter shown, where the reported figure only goes back as far as the consensus feed does.

Quarter endingRevenueYoY Net incomeEPS (GAAP) EPS reportedvs consensus Filed
2026-03-31 158.41m +46.7% 57.94m 4.02 4.02 +37.2% 2026-05-05
2025-12-31 (derived) 163.72m +62.4% 65.94m 4.55 4.57 +40.4% 2026-03-02
2025-09-30 150.72m +63.0% 92.07m 6.34 4.45 +139.7% 2025-11-04
2025-06-30 131.76m +64.5% 9.04m 0.62 2025-08-06

Share count

Diluted shares over time

Diluted shares Return since the previous filing

Direction Shrinking — shares retired
Diluted shares 14.4M as at 2026-03-31
Change over 1 year -1.7%
Change over 3 years +21.9%
Public float $3.05bn as at 2025-06-30 (10-K)

History before 2022-12-31 is not shown. The share count jumps at that date by a ratio no ordinary issuance produces — a split whose factor is not in Brown Bear's split store — so earlier figures are on a different basis and cannot be compared with today's.

The Pricewhat the chart is doingTop ↑

Price Levels

StrategyCurrent Price Reasonable
Reference band 366.72 — 376.02
Protective stop 319.34 (Atr, 14.0% risk)
Support 364.75 (2 touches, 2.1% away)
Resistance 406.72 (9.2% away)

Takeaway The shares are nearer the floor than the ceiling: about 2.1% above 364.75, a price buyers have stepped in at before, and 9.2% below 406.72, where sellers have turned up before. That floor has held 2 times, which is how it was spotted. If someone bought at today's price and sold if it dropped through the level below, they would be about 14.0% out of pocket. That is all this figure means — an illustration of the risk, not a price to sell at.

Levels are computed from price structure. They describe where the engine locates support and extension — they are not targets, and not advice.

Ichimoku Cloud (Adaptive)

Daily cloudPrice ABOVE the cloud | periods 8/24/48 (92% of classic 9/26/52)
LinesTenkan/Kijun BEAR | cloud twist BEAR (fresh down, 3d ago)
Cloud eventFresh up breakout 0d ago
Cloud thickness10% percentile (thin — little structure to fight through)
Chikou spanNot clear of price from 26 periods ago
Weekly cloudPrice ABOVE the weekly cloud (context only, not scored)

Takeaway The stock is trading above its cloud — a shaded band drawn from several of its own moving averages, currently 364.66 to 371.38. Being above it means the medium-term picture is pointing upwards, and that band is the first place the stock has recent support if it slips back. Its shorter-term averages point the other way, so this is a mixed reading rather than a clear one.

Trailing returns

21 days -8.4%
63 days +45.3%
126 days +115.9%
252 days +88.0%
Below 252d high15.9%

Trend context

PositionFar above trend
ExtensionExtremely extended
Trend slopeRising
Direction of travelDiverging from trend

Takeaway Extreme upside extension is still moving away from fair trend; chase risk is elevated.

Volatility

State No recent compression
Current band width39.7% of price
Recent tightest39.7% (0 sessions ago, narrower than 43.0% of its history)
Expansion since1.00×
Band 283.85 — 424.29

Takeaway Lately this share price has been swinging around inside a range roughly 40% wide. That is normal for this stock, so there is nothing unusual to read into it either way.

Historical trends

02550751002026-08-032026-08-04
Position Health Business Conviction

History begins when the site started recording, not when the company listed, so a short line means a short record and nothing more.

Who's Tradingthe flow behind the priceTop ↑

Insider activity

ActivityNo filings in the window
Buy filings0
Sell filings0

Open-market Form 4 purchases and sales over the last 75 days, read from SEC EDGAR Form 4. Grants, option exercises, gifts and shares withheld for tax are excluded — they are compensation mechanics, not a decision to buy or sell. Reported Form 4 activity. Brown Bear tested insider cluster-buying as a return signal and rejected it as era-unstable; shown as fact, not signal.

Volume confirmation

Volume-price trend Below its signal line
Confirmation Marginal

No absorption or distribution event in the recent window.

Takeaway The heaviest trading has been happening on days when the price falls: when large numbers of shares change hands, the price has tended to go down rather than up. That tells you where the weight of trading has been. It does not tell you what happens next, and it is not a signal to sell.

Options Positioning

No binary-event flag

DAVE: no binary-event flag. Near IV 69%, far IV 60% (ratio 1.15), implied move 8.7%.

Implied volatility 69% near (9d) · 60% far (86d) — Term structure inverted — the market is pricing an event in the near window
Term structure 1.15× near/far
Historical volatility 93%
Implied vs historical 0.74×
Implied move ±8.7% by 2026-09-04
Implied move vs ATR 0.52×
Skew Put Skew (1.94×)
Call wall 640.00 (+71.9% away)
Put wall 300.00 (-19.4% away)
Gamma pin 300.00
  • Term structure inverted (near 69% IV vs far 60% IV, ratio 1.15)

Takeaway Insuring against a move in this stock costs more for the next few weeks than for the next few months. Traders usually pay up like that when they know something is coming soon — results, a court ruling, a regulatory decision. Options traders are positioned for a move of around 8.7% in either direction by 2026-09-04.

Chain as at 2026-08-26. This is a risk read on whether a specific event is being priced — not a directional view.

Context & Methodthe record, and how it was builtTop ↑

Relative Rotation

ImprovingLeadingLaggingWeakeningvs sectorvs SPYsector vs SPYRS-Ratio →RS-Momentum →

Sector Headwind / Stock Mixed

Rotation health 69.5/100; Positive Rotation.

Rotation health 69.5
Rotation strength 72.3
LegQuadrantRS-RatioRS-Mom
Stock vs sector Improving 94.2 116.3
Stock vs SPY Improving 94.2 112.4
Sector vs SPY Weakening 103.8 79.2

Direction of travel: North-East / strengthening leadership

Position only. Brown Bear's RRG redesign programme is closed — five constructions, none beat an appropriate null — so this section describes where the name sits, and is not a signal.

News Headlines

  1. Loading headlines\u2026

Headlines are supplied by third-party feeds and are not written, ranked or interpreted by Brown Bear. They feed no score on this page.

Detailed Scoring

Positive signals

  • Piotroski F-score 6/9 (+15.0)
  • Altman Z-score 36.28 (+10.0)
  • Gross margin quality: 71.7% (+19.0)
  • ROIC quality: 46.9% (+30.0)
  • FCF margin quality: 52.3% (+20.0)
  • ROIC improving by 21.0 pts (+10.0)
  • FCF margin improving by 16.3 pts (+5.0)
  • High earnings quality (accrual ratio -0.193) (+8.0)
  • Track 1: MACD histogram state (2.49) (+8.0)
  • Track 1: relative strength trend improving (+5.0)
  • Track 1: bullish DI spread 2.6 (+1.0)
  • Track 1: ADX 28.7 and flat (+3.0)
  • Track 1: relative momentum rank 0.95 (+5.0)
  • Track 1: EMA20 reclaim distance 4.6% (+4.3)
  • Track 1: MACD histogram acceleration 7.33 (+10.0)
  • Track 1: MACD line/signal repair quality (+10.0)
  • Track 1: MACD slope improving (+1.0)
  • Track 1: RSI recovery 52.1, 5-day change +9.0 (+6.5)
  • Track 1: price above EMA50 by 6.2% (+3.9)
  • Track 1: Bollinger position 0.63 (+3.0)

Negative signals

  • Underperforming sector over 20 days
  • Track 1: weak volume confirmation (0.62x average)
  • Track 1: negative 20-day momentum acceleration (-0.03)
  • Track 1: EMA20 slope deteriorating -0.2%
  • Track 1: weak VPT confirmation (-0.00)
  • Track 1: EMA50 slope deteriorating -0.6%
  • Gross margin improving by -9.5 pts (+-3.0)

Chase risk is not elevated for this name, so extension penalties are omitted from the negative signals above.