DAVE trades 54.2% below Wall Street's consensus target of $429.60.
Last 12 months price action with 12-month analyst target path
The base valuation assumes DAVE achieves its forward estimates and maintains a stable P/E multiple of 20.7x. This scenario reflects the blended consensus of 14 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Dave Inc. (DAVE) has a Wall Street consensus price target of $429.60, based on estimates from 14 covering analysts. With the stock currently trading at $278.59, this represents a potential upside of +54.2%. The company has a market capitalization of $3.75B.
Analyst price targets range from a low of $310.00 to a high of $500.00, representing a 44% spread in expectations. The median target of $449.50 aligns closely with the consensus average.
The current analyst consensus rating is Buy, with 12 analysts rating the stock as a Buy or Strong Buy,2 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, DAVE trades at a trailing P/E of 20.0x and forward P/E of 20.7x. Analysts expect EPS to grow -17.3% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $331.19, with bear and bull scenarios of $208.65 and $436.38 respectively. Model confidence stands at 66/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 ORIOOrion Digital Corp. | $26M | $1.09 | — | — | — | — | — |
 ENVAEnova International, Inc. | $4.3B | $172.48 | $254.60 | +47.6% | Buy | 10.0x | 10 |
 OMFOneMain Holdings, Inc. | $6.5B | $56.09 | $65.25 | +16.3% | Buy | 8.6x | 31 |
 AFRMAffirm Holdings, Inc. | $22.7B | $68.11 | $95.75 | +40.6% | Buy | 54.9x | 39 |
 UPSTUpstart Holdings, Inc. | $2.1B | $21.89 | $36.11 | +65.0% | Buy | 40.1x | 22 |
 LDIloanDepot, Inc. | $214M | $0.64 | $1.00 | +61.2% | Hold | — | 12 |
 OPFIOppFi Inc. | $528M | $6.17 | $10.25 | +66.1% | Buy | 4.5x | 6 |
 PRAAPRA Group, Inc. | $493M | $12.92 | $25.00 | +93.5% | Hold | 3.9x | 13 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $91.23 | $136.40 | +49.5% | Buy | 9.2x | 7 |
 VVisa Inc. | $789.1B | $422.65 | $444.11 | +5.1% | Buy | 28.1x | 62 |
Quick answers to the most common questions about buying DAVE stock.
The consensus Wall Street price target for DAVE is $429.6, representing 54.2% upside from the current price of $278.59. With 14 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
DAVE has a consensus rating of "Buy" based on 14 Wall Street analysts. The rating breakdown is predominantly bullish, with 12 Buy/Strong Buy ratings. The consensus 12-month price target of $429.6 implies 54.2% upside from current levels.
DAVE trades at a forward P/E of 20.6929x, representing a moderate valuation. With analysts targeting $429.6 (54.2% implied move), the stock appears reasonably valued with upside.
The most bullish Wall Street analyst has a price target of $500 for DAVE, while the most conservative target is $310. The consensus of $429.6 represents the median expectation. Our quantitative valuation model projects a bull case target of $436 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
DAVE is moderately covered, with 14 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 12 have Buy ratings, 2 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month DAVE stock forecast based on 14 Wall Street analysts shows a consensus price target of $429.6, with estimates ranging from $310 (bear case) to $500 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $331, with bear/bull scenarios of $209/$436.
Our quantitative valuation model calculates DAVE's fair value at $331 (base case), with a bear case of $209 and bull case of $436. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 66/100.
DAVE trades at a forward P/E ratio of 20.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 20.0x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on DAVE, with a "Buy" consensus rating and $429.6 price target (54.2% upside). 12 of 14 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
DAVE analyst price targets range from $310 to $500, a 44% moderate spread showing some variance in outlooks. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $429.6 consensus represents the middle ground. Our model's $209-$436 range provides an independent fundamental perspective.
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