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Dave Inc. (NASDAQ:DAVE) was among Jim Cramer’s latest stock calls, as he suggested investors balance portfolios with hot and cold stocks. When a caller mentioned that they have been holding the stock for a while, Cramer remarked:

I like… really packed energy bars more than I like Dave, this kind of pseudo fintech. We are going to sell fintech.

A stock market chart. Photo by Arturo A on Pexels

Dave Inc. (NASDAQ:DAVE) offers a financial services platform that includes Budget, a personal money management tool that uses historical bank data to track recurring charges and alert members about upcoming transactions, along with ExtraCash, a discretionary overdraft feature designed to help cover short-term cash gaps between paychecks. The company also provides Side Hustle, a job application portal for finding additional or temporary work, and Dave Checking, a digital demand deposit account.

On April 10, Citizens increased its price target to $335 from $310 and maintained an Outperform rating on the shares. The adjustment was made within its capital markets and fintech group coverage as part of a first-quarter earnings preview. The analyst said that “navigating volatility remains the central challenge across the sector”. Citizens added that capital market conditions were better in pockets than across the board, with institutional trading described as the clearest bright spot of the quarter. The firm also noted that crypto sentiment “remains impaired” in the near term. But it also noted that the market is placing too much focus on the current slowdown in activity and not enough attention on medium-term policy and business catalysts.

While we acknowledge the potential of DAVE as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

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