Based on Clarity's multi-model valuation engine, Dave Inc./DE (DAVE) has an estimated fair value of $426.76 per share, compared to its current market price of $217.33. The stock is currently trading 96.4% below Clarity's fair value estimate, resulting in a verdict of SIGNIFICANTLY UNDERVALUED.

This valuation blends 5 independent models — including Discounted Cash Flow (DCF), Comparable Companies, EV/Revenue, and 2 more. The primary weight is given to the Discounted Cash Flow (DCF) model, with Bayesian triangulation used to reconcile the estimates into a single blended fair value. The 5 models show moderate agreement with a 29% spread between the highest and lowest estimates.

Monte Carlo simulation across 5,000 scenarios estimates a 81.7% probability that the stock is trading below its intrinsic value, with a median simulated value of $361.31.

Clarity's 1-year price target is $536.99, reflecting expected earnings growth and margin trajectory.

Dave Inc./DE is classified under the Fintech / Payments sector, and this valuation is based on 10-K · Filed 2026-03-02 filings sourced directly from SEC EDGAR. All models use trailing twelve month (TTM) financials where available, with sector-appropriate growth and discount rate assumptions.