Canaccord Genuity lifts Dave Inc price target to $130, maintains buy

Published 05/03/2025, 13:28
Canaccord Genuity lifts Dave Inc price target to $130, maintains buy

On Wednesday, Canaccord Genuity analyst Joseph Vafi increased the price target on Dave Inc (NASDAQ:DAVE) stock to $130 from the previous $120, while reiterating a Buy rating. Currently trading at $90.38, the stock has shown significant momentum with a 151% return over the past year. The revision follows Dave’s robust fourth-quarter earnings per share (EPS) report, which outperformed market expectations. According to InvestingPro, two analysts have recently revised their earnings estimates upward for the upcoming period.

Dave Inc, a financial technology company with a market capitalization of $1.15 billion, has been a standout this reporting season, according to Vafi. Despite the general concerns over consumer spending and credit within the fintech sector, Dave has shown exceptional performance, achieving revenue of $347.1 million with impressive 34% year-over-year growth. The company’s fourth-quarter results were significantly higher than anticipated, leading to a positive outlook for the coming year.

The analyst noted that Dave’s strong growth is not only evident in the addition of new users but also in the increased average revenue per user (ARPU) among existing customers. This dual growth dynamic has contributed to a solid revenue increase, supported by a healthy gross profit margin of 60.41%. Vafi also highlighted the company’s effective operating model, which allows for handling higher volumes with minimal additional costs. For deeper insights into Dave’s financial health and growth metrics, InvestingPro subscribers can access the comprehensive Pro Research Report, one of 1,400+ available for top US stocks.

Looking ahead, Dave Inc has provided a mid-20% organic growth forecast for 2025. This projection also includes expectations for continued margin expansion. The company’s ability to resonate with consumers and its operational efficiency have been key factors in its successful performance.

The increase in the price target reflects Canaccord Genuity’s confidence in Dave Inc’s growth trajectory and its potential to maintain strong margins and expand its user base. The analyst’s commentary underscores the company’s impressive fourth-quarter achievements and its promising outlook for the year ahead.

In other recent news, Dave Inc. reported a strong fourth-quarter performance, surpassing Wall Street expectations with earnings per share of $2.04, significantly above the forecasted loss of $1.13. The company achieved revenue of $100.9 million, exceeding the anticipated $79.75 million, marking a 38% year-over-year increase. Dave Inc. also provided a positive outlook for 2025, projecting revenue growth between 20% and 25% and adjusted EBITDA ranging from $110 million to $120 million. Benchmark analysts maintained a Buy rating on Dave Inc. with a price target of $145, reflecting confidence in the company’s growth potential. The analysts attributed the strong performance to increased ExtraCash advance originations and Dave Debit Card spending. Despite the earnings beat, Dave’s stock experienced a decline, which may indicate mixed investor sentiment. The company is also implementing new fee structures and partnerships to enhance future profitability.

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