Is CashAI Driving Dave's Fintech Growth?
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Dec 03 2025
0mins
Source: NASDAQ.COM
CashAI's Impact: Dave Inc.'s proprietary underwriting engine, CashAI, has significantly improved credit risk assessment, leading to a 49% year-over-year increase in ExtraCash originations, totaling $2 billion in Q3 2025.
Financial Performance: The company reported record revenues of $150.8 million in Q3 2025, a 63% increase from the previous year, with adjusted net income rising 193% year-over-year, indicating strong profitability driven by improved customer conversion.
Future Outlook: Management is optimistic about continued revenue growth, projecting $544-$547 million for the upcoming quarter, supported by CashAI's effectiveness in managing credit risks and customer demands.
Stock Performance: Dave's stock has surged 131% over the past year, outperforming its industry, and currently holds a Zacks Rank #1 (Strong Buy), with earnings estimates for 2025 and 2026 rising significantly in the last 60 days.
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Analyst Views on FUTU
Wall Street analysts forecast FUTU stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FUTU is 222.55 USD with a low forecast of 157.85 USD and a high forecast of 300.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
7 Analyst Rating
6 Buy
1 Hold
0 Sell
Strong Buy
Current: 168.320
Low
157.85
Averages
222.55
High
300.00
Current: 168.320
Low
157.85
Averages
222.55
High
300.00
About FUTU
Futu Holdings Ltd is an investment holding company engaged in offering digitized brokerage platforms. The Company is involved in the provision of online brokerage services and margin financing services through software and websites. The Company mainly provides investing services through its digital brokerage platform under the name of Futu NiuNiu. The Company’s service offerings include trade executions and margin financings, which allow its clients to trade securities across markets, such as stocks, warrants, options and exchange traded funds (ETFs). In addition, the Company also provides financial information and online community services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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