Is Dave Inc (DAVE) a risky stock?
As of July 21, 2026, Clavix grades Dave Inc (DAVE) C for risk, a composite score of 55 out of 100 on an A+ to F scale, which puts DAVE in the "average" band. The grade is a risk read for educational purposes, not a buy or sell recommendation.
Grade as of July 21, 2026. Clavix regrades every trading day.
The five risk dimensions behind DAVE's grade
Each Clavix grade is a composite of five independent reads. Higher is safer. Here is how DAVE scores on each, as of July 21, 2026.
What's moving DAVE's risk right now
Company-specific signals Clavix flags behind DAVE's current grade, drawn from recent news and filings as of July 21, 2026.
Dave is shifting ExtraCash's funding to Coastal Bank, which could free up balance sheet capacity for growth or buybacks. Separately, Findell Capital bought 32,000 shares and Inspire Investing added $1.37 million, both small institutional buys.
ExtraCash remains Dave's biggest growth engine with strong per-loan economics. But upcoming changes to how it's funded could shrink future lending capacity, creating tension between strong demand and tighter supply.
Dave hired a new chief technology officer to drive AI-powered underwriting and fintech innovation. With shares around $383.96 after 115% gains in three months, investors are questioning whether the business can keep pace with the rally.
What a C grade means
On the Clavix A+ to F scale, DAVE's composite of 55 falls in the C band (50–64), read as "average." The scale is fixed, so the meaning never moves.
This page is generated from Clavix's own risk model and is for educational purposes only. It is not investment advice or a recommendation to buy or sell DAVE or any security. Grades are risk indicators, not predictions of return. Data may be delayed.