DAVE INC (DAVE) Stock Fundamental Analysis
USA - NASDAQ:DAVE - US23834J2015 - Common Stock
177.8 USD
-4.71 (-2.58%)
Overall DAVE gets a fundamental rating of 7 out of 10. We evaluated DAVE against 55 industry peers in the Consumer Finance industry. While DAVE has a great health rating, its profitability is only average at the moment. DAVE is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings would make DAVE suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year DAVE was profitable.
DAVE had a positive operating cash flow in the past year.
In the past 5 years DAVE reported 4 times negative net income.
The reported operating cash flow has been mixed in the past 5 years: DAVE reported negative operating cash flow in multiple years.
1.2 Ratios
DAVE's Return On Assets of 33.87% is amongst the best of the industry. DAVE outperforms 100.00% of its industry peers.
Looking at the Return On Equity, with a value of 50.37%, DAVE belongs to the top of the industry, outperforming 98.18% of the companies in the same industry.
The Return On Invested Capital of DAVE (29.08%) is better than 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 33.87% | ||
| ROE | 50.37% | ||
| ROIC | 29.08% |
ROA(3y)-12.42%
ROA(5y)-12%
ROE(3y)-48.35%
ROE(5y)-42.15%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
DAVE has a Profit Margin of 29.87%. This is amongst the best in the industry. DAVE outperforms 87.27% of its industry peers.
DAVE's Profit Margin has improved in the last couple of years.
DAVE's Operating Margin of 29.13% is amongst the best of the industry. DAVE outperforms 81.82% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.13% | ||
| PM (TTM) | 29.87% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y33.38%
PM growth 3YN/A
PM growth 5Y73.85%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so DAVE is creating value.
DAVE has more shares outstanding than it did 1 year ago.
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
DAVE has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 13.51 indicates that DAVE is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 13.51, DAVE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
DAVE has a debt to FCF ratio of 0.32. This is a very positive value and a sign of high solvency as it would only need 0.32 years to pay back of all of its debts.
DAVE has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. DAVE outperforms 96.36% of its industry peers.
DAVE has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
DAVE has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. DAVE outperforms 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 13.51 |
ROIC/WACC2.81
WACC10.34%
2.3 Liquidity
DAVE has a Current Ratio of 8.69. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a Current ratio of 8.69. This is amongst the best in the industry. DAVE outperforms 92.73% of its industry peers.
DAVE has a Quick Ratio of 8.69. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE's Quick ratio of 8.69 is amongst the best of the industry. DAVE outperforms 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.69 | ||
| Quick Ratio | 8.69 |
3. Growth
3.1 Past
DAVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1161.54%, which is quite impressive.
Measured over the past years, DAVE shows a very strong growth in Earnings Per Share. The EPS has been growing by 126.65% on average per year.
DAVE shows a strong growth in Revenue. In the last year, the Revenue has grown by 53.84%.
DAVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.42% yearly.
EPS 1Y (TTM)1161.54%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%14733.33%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%-93.15%
3.2 Future
Based on estimates for the next years, DAVE will show a very strong growth in Earnings Per Share. The EPS will grow by 56.73% on average per year.
DAVE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.51% yearly.
EPS Next Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 21.68, DAVE is valued on the expensive side.
DAVE's Price/Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 70.91% of the companies in the same industry.
DAVE's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.07.
The Price/Forward Earnings ratio is 19.51, which indicates a rather expensive current valuation of DAVE.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than the industry average as 69.09% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.08, DAVE is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.68 | ||
| Fwd PE | 19.51 |
4.2 Price Multiples
DAVE's Enterprise Value to EBITDA ratio is in line with the industry average.
DAVE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.36 | ||
| EV/EBITDA | 15.98 |
4.3 Compensation for Growth
DAVE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DAVE has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as DAVE's earnings are expected to grow with 81.71% in the coming years.
PEG (NY)0.08
PEG (5Y)0.17
EPS Next 2Y126.29%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
No dividends for DAVE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:DAVE (11/21/2025, 10:43:08 AM)
177.8
-4.71 (-2.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change6.37%
Ins Owners13.05%
Ins Owner Change-2.89%
Market Cap2.40B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target280.88 (57.98%)
Short Float %10.7%
Short Ratio2.29
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)40.03%
Min EPS beat(2)-59.65%
Max EPS beat(2)139.71%
EPS beat(4)3
Avg EPS beat(4)96.14%
Min EPS beat(4)-59.65%
Max EPS beat(4)170.78%
EPS beat(8)7
Avg EPS beat(8)139.38%
EPS beat(12)11
Avg EPS beat(12)105.35%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-40.78%
Min Revenue beat(2)-95.32%
Max Revenue beat(2)13.76%
Revenue beat(4)3
Avg Revenue beat(4)-16.36%
Min Revenue beat(4)-95.32%
Max Revenue beat(4)13.76%
Revenue beat(8)7
Avg Revenue beat(8)-4.31%
Revenue beat(12)8
Avg Revenue beat(12)-3.11%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)20.65%
EPS NQ rev (1m)15.42%
EPS NQ rev (3m)31.3%
EPS NY rev (1m)1.65%
EPS NY rev (3m)-7.87%
Revenue NQ rev (1m)3.63%
Revenue NQ rev (3m)13.6%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)9.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.68 | ||
| Fwd PE | 19.51 | ||
| P/S | 4.89 | ||
| P/FCF | 10.36 | ||
| P/OCF | 10.07 | ||
| P/B | 8.24 | ||
| P/tB | 8.65 | ||
| EV/EBITDA | 15.98 |
EPS(TTM)8.2
EY4.61%
EPS(NY)9.11
Fwd EY5.13%
FCF(TTM)17.15
FCFY9.65%
OCF(TTM)17.66
OCFY9.93%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.08
PEG (5Y)0.17
Graham Number63.1
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 33.87% | ||
| ROE | 50.37% | ||
| ROCE | 36.81% | ||
| ROIC | 29.08% | ||
| ROICexc | 38.05% | ||
| ROICexgc | 39.93% | ||
| OM | 29.13% | ||
| PM (TTM) | 29.87% | ||
| GM | N/A | ||
| FCFM | 47.14% |
ROA(3y)-12.42%
ROA(5y)-12%
ROE(3y)-48.35%
ROE(5y)-42.15%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y23.23%
ROICexc growth 3YN/A
ROICexc growth 5Y23.31%
OM growth 3YN/A
OM growth 5Y33.38%
PM growth 3YN/A
PM growth 5Y73.85%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover1.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.32 | ||
| Debt/EBITDA | 0.5 | ||
| Cap/Depr | 92.94% | ||
| Cap/Sales | 1.4% | ||
| Interest Coverage | 20.25 | ||
| Cash Conversion | 158.43% | ||
| Profit Quality | 157.83% | ||
| Current Ratio | 8.69 | ||
| Quick Ratio | 8.69 | ||
| Altman-Z | 13.51 |
F-Score8
WACC10.34%
ROIC/WACC2.81
Cap/Depr(3y)127.95%
Cap/Depr(5y)168.19%
Cap/Sales(3y)3.35%
Cap/Sales(5y)3.55%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1161.54%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%14733.33%
EPS Next Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%-93.15%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
EBIT growth 1Y829.91%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year637.4%
EBIT Next 3Y115.72%
EBIT Next 5Y68.22%
FCF growth 1Y4294.42%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1581.56%
OCF growth 3YN/A
OCF growth 5YN/A
DAVE INC / DAVE FAQ
What is the fundamental rating for DAVE stock?
ChartMill assigns a fundamental rating of 7 / 10 to DAVE.
What is the valuation status of DAVE INC (DAVE) stock?
ChartMill assigns a valuation rating of 4 / 10 to DAVE INC (DAVE). This can be considered as Fairly Valued.
Can you provide the profitability details for DAVE INC?
DAVE INC (DAVE) has a profitability rating of 6 / 10.
Can you provide the expected EPS growth for DAVE stock?
The Earnings per Share (EPS) of DAVE INC (DAVE) is expected to grow by 266.4% in the next year.