Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Dave, Inc. (DAVE)
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-04
$275.34-18.11%
Close 2026-11-05 · 1-day change
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
20.07 → 20.08 EPS · FY ending Dec 31, 2027 · 9 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 9 to 9; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for DAVE yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain active share buyback program | A supporting condition in Dave, Inc.'s published investment case. The stated target is Continue repurchasing shares at least at recent pace. | Intact | Buybacks stop or significantly reduce | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a growth-focused financial technology business with recent strong financial performance, rather than a proven low-risk compounder. The long-term thesis is intact, but confidence is medium and earnings quality and management are rated neutral.
The valuation signal is mixed: DAVE is described as cheap versus peers, while its premium-versus-peer measure is positive and the overall priced-in tag is justified. The expectations gap is negative, suggesting expectations are not especially demanding, though valuation has risen recently.
Near-term results may remain uneven: DAVE missed its most recent quarter, and recent earnings surprises have been erratic. Over the multi-year view, revenue and adjusted EPS guidance have both been raised, while first-half revenue grew and management has continued share repurchases.
The main company-specific test is whether DAVE can sustain the growth behind its raised 2026 guidance; another reversal and guidance cut would also damage management credibility. Near-term conditions could be helped by Fed rate cuts or stabilization in technology-sector peers, but those factors are not assured.
Over the next 1 to 3 years, the thesis rests on continued delivery against higher guidance, with recent performance supporting the case but execution risk still elevated. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Dave, Inc.'s published investment case. The stated target is >= $16.25 per share. |
| Intact |
| EPS falls below $16.25 in FY26 |
Diluted EPS: $3.30 per share FY2026-Q3; GAAP. Published target: >= $16.25 per share. Annual target cannot be compared with a quarterly or TTM observation. Nov 4, 20263.3 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue reaches at least $710 million in 2026 | A primary condition in Dave, Inc.'s published investment case. The stated target is >= $710 million. | Intact | revenue falls below $710 million in FY26 | Revenue: $197.704M FY2026-Q3; GAAP. Published target: >= $710 million. Annual target cannot be compared with a quarterly or TTM observation. Nov 4, 2026197,704,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$19.48 → $20.08 · observed estimates
$0.86B → $0.90B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-07-25 | $21.28 | $862,717,820 | 11 / 12 |
| 2026-07-26 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-07-27 | $21.28 | $862,717,820 | 11 / 12 |
| 2026-07-28 | $21.28 | $862,717,820 | 11 / 12 |
| 2026-07-29 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-07-30 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-07-31 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-08-01 | $19.48 | $862,717,720 | 7 / 9 |
| 2026-08-02 | $21.26 | $863,224,200 | 12 / 13 |
| 2026-08-03 | $21.26 | $863,224,200 | 12 / 13 |
| 2026-08-04 | $19.44 | $863,909,470 | 8 / 9 |
| 2026-08-05 | $19.44 | $863,909,470 | 8 / 9 |
| 2026-08-06 | $19.44 | $863,909,470 | 8 / 9 |
| 2026-08-07 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-08 | $21.47 | $878,969,920 | 11 / 11 |
| 2026-08-09 | $21.47 | $878,969,920 | 11 / 11 |
| 2026-08-10 | $21.47 | $878,969,920 | 11 / 11 |
| 2026-08-11 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-12 | $21.66 | $885,135,860 | 12 / 12 |
| 2026-08-13 | $21.66 | $885,135,860 | 12 / 12 |
| 2026-08-14 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-15 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-16 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-17 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-18 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-19 | $19.66 | $877,528,094 | 8 / 9 |
| 2026-08-20 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-21 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-22 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-23 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-24 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-25 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-26 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-27 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-28 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-29 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-30 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-08-31 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-01 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-02 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-03 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-04 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-05 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-06 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-07 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-08 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-09 | $19.86 | $889,940,794 | 8 / 9 |
| 2026-09-10 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-11 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-12 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-13 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-14 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-15 | $19.86 | $890,802,166 | 8 / 10 |
| 2026-09-16 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-17 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-18 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-19 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-20 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-21 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-22 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-23 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-24 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-25 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-26 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-27 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-28 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-29 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-09-30 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-10-01 | $19.95 | $893,682,022 | 9 / 10 |
| 2026-10-02 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-03 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-04 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-05 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-06 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-07 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-08 | $20.07 | $896,615,355 | 9 / 10 |
| 2026-10-09 | $20.11 | $898,328,688 | 9 / 10 |
| 2026-10-10 | $20.11 | $898,328,688 | 9 / 10 |
| 2026-10-11 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-12 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-13 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-14 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-15 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-16 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-17 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-18 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-19 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-20 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-21 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-22 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-23 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-24 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-25 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-26 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-27 | $20.11 | $899,228,688 | 9 / 10 |
| 2026-10-28 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-10-29 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-10-30 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-10-31 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-11-01 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-11-02 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-11-03 | $20.08 | $900,633,145 | 9 / 10 |
| 2026-11-04 | $20.08 | $900,633,145 | 9 / 10 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 13 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
0 raises · 0 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.