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Dave Stock: 180% Gain + Q3 Beat = Breakout Setup?
Written by Ryan Hasson. Published 11/7/2025.
Key Points
- Dave Inc. is up 180% YTD and still trades at a reasonable valuation, with a P/E of 24 and a forward P/E of 22.59.
- Q3 earnings sharply beat expectations, with 63% revenue growth, a major EPS surprise, and raised 2025 guidance.
- The stock is holding above support and may be approaching a breakout if it clears $273–$280 resistance.
Los Angeles–based financial technology company Dave Inc. (NASDAQ: DAVE) has quietly become one of the market's more intriguing small-cap momentum stocks to watch as the year closes.
Dave's mission is to provide affordable, transparent financial products that help users avoid predatory lending and high-interest debt. The company offers a subscription-driven mobile app designed to modernize personal finance for underserved consumers. Members use the platform to avoid overdraft fees, track spending, receive budgeting alerts, and obtain short-term cash advances tied to incoming paychecks.
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Millions of customers have downloaded the app, giving Dave a strong foothold in the large and expanding market of underbanked consumers seeking cost-effective digital banking tools.
The company has built a growing online following thanks to an impressive 180% year-to-date (YTD) rally. Despite the surge, the valuation still appears reasonable. Dave's market cap has expanded to $3.29 billion; its P/E ratio sits near 24, with a forward P/E of 22.59 — figures that suggest the stock may still be reasonably valued relative to its earnings trajectory.
With momentum building, fundamentals strengthening, and a bullish technical setup, investors may now be wondering whether Dave is gearing up for a significant breakout.
Recent Earnings Blew Past Expectations
Dave's latest results added fuel to the stock's climb. On Nov. 4, the company reported third-quarter earnings that sharply outperformed expectations. Its earnings per share (EPS) of $4.24 topped the forecasted $2.29, delivering an 85% earnings surprise.
Revenue reached $150.8 million, beating analyst estimates of $132.5 million and rising 63% year-over-year. Adjusted EBITDA rose 137% year over year, signaling meaningful operating leverage as the business scales.
Management raised its 2025 revenue guidance to $544 million to $547 million, a move that signals confidence in customer growth and product adoption. Much of the momentum stemmed from continued expansion of the company's lending and subscription products, along with the rollout of its updated Cache AI underwriting technology.
The platform is designed to assess cash-flow data more accurately than traditional credit scoring, and management believes this differentiation is driving both customer acquisition and loan performance.
Analysts Are Raising Targets as the Stock Re-Rates
The stronger-than-expected results triggered a wave of analyst activity.
Just one month earlier, Dave carried a consensus price target of $274.13; as of Nov. 6, that consensus had risen to $304.25, driven by upgrades from several research firms. Benchmark raised its target from $320 to $345, implying nearly 46% upside at the time of the report. Citizens JMP boosted its target from $300 to $310, while B. Riley also reiterated its bullish outlook.
The consensus rating remains Moderate Buy, though recent momentum and rising targets suggest sentiment may continue to improve.
If analysts' revised expectations prove accurate, the stock could be setting up for a breakout that validates the re-rating.
A Bullish Formation Meets Bullish Sentiment
For nearly six months, Dave has traded within a wide consolidation channel, with $200 serving as significant support and $280 acting as the key ceiling. Despite multiple attempts, the stock has yet to sustain a move above that upper boundary.
However, the post-earnings price action improved the technical structure. Shares are now holding above their 50-day moving average, which sits near $220 and has shifted into short-term support. The next step for buyers is reclaiming the upper portion of the range and taking out the earnings-day high of $273.
A decisive move above that level would place the stock back in a position to challenge $280, which has been the defining resistance zone for months. If Dave can clear $280 with conviction and sustain momentum above the top of its multi-month channel, it would represent a technical breakout supported by improving fundamentals, rising guidance, and growing analyst optimism.
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