218.26 USD
+5.13 (+2.41%)
218.9 USD
+0.64 (+0.29%)
We assign a fundamental rating of 7 out of 10 to DAVE. DAVE was compared to 55 industry peers in the Consumer Finance industry. DAVE has an excellent financial health rating, but there are some minor concerns on its profitability. DAVE is not priced too expensively while it is growing strongly. Keep and eye on this one! With these ratings, DAVE could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year DAVE was profitable.
In the past year DAVE had a positive cash flow from operations.
DAVE had negative earnings in 4 of the past 5 years.
In multiple years DAVE reported negative operating cash flow during the last 5 years.
1.2 Ratios
With an excellent Return On Assets value of 33.87%, DAVE belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
DAVE has a Return On Equity of 50.37%. This is amongst the best in the industry. DAVE outperforms 98.18% of its industry peers.
Looking at the Return On Invested Capital, with a value of 29.08%, DAVE belongs to the top of the industry, outperforming 92.73% of the companies in the same industry.
| 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's Profit Margin of 29.87% is amongst the best of the industry. DAVE outperforms 87.27% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE has a Operating Margin of 29.13%. This is amongst the best in 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.
Compared to 5 years ago, DAVE has less shares outstanding
DAVE has a better debt/assets ratio than last year.
2.2 Solvency
DAVE has an Altman-Z score of 15.26. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 15.26, DAVE belongs to the best 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.
Looking at the Debt to FCF ratio, with a value of 0.32, DAVE belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
A Debt/Equity ratio of 0.26 indicates that DAVE is not too dependend on debt financing.
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 | 15.26 |
ROIC/WACC3
WACC9.69%
2.3 Liquidity
A Current Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
DAVE's Current ratio of 8.69 is amongst the best of 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.
The Quick ratio of DAVE (8.69) is better than 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.69 | ||
| Quick Ratio | 8.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1161.54% over the past year.
DAVE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 126.65% yearly.
Looking at the last year, DAVE shows a very strong growth in Revenue. The Revenue has grown by 53.84%.
Measured over the past years, DAVE shows a very strong growth in Revenue. The Revenue has been growing by 35.42% on average per year.
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%63.03%
3.2 Future
The Earnings Per Share is expected to grow by 56.73% on average over the next years. This is a very strong growth
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
The Price/Earnings ratio is 26.62, which means the current valuation is very expensive for DAVE.
72.73% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of DAVE to the average of the S&P500 Index (26.31), we can say DAVE is valued inline with the index average.
The Price/Forward Earnings ratio is 23.95, which indicates a rather expensive current valuation of DAVE.
DAVE's Price/Forward 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.
The average S&P500 Price/Forward Earnings ratio is at 36.59. DAVE is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.62 | ||
| Fwd PE | 23.95 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DAVE is on the same level as its industry peers.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DAVE is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.72 | ||
| EV/EBITDA | 18.73 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of DAVE may justify a higher PE ratio.
DAVE's earnings are expected to grow with 81.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)0.21
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 |
218.26
+5.13 (+2.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change6.77%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap2.95B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target306 (40.2%)
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)2
Avg Revenue beat(2)12.53%
Min Revenue beat(2)11.29%
Max Revenue beat(2)13.76%
Revenue beat(4)4
Avg Revenue beat(4)10.29%
Min Revenue beat(4)3.64%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)9.02%
Revenue beat(12)9
Avg Revenue beat(12)5.78%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)8.94%
PT rev (3m)14.12%
EPS NQ rev (1m)38.53%
EPS NQ rev (3m)62.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)8.73%
Revenue NQ rev (3m)10.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.62 | ||
| Fwd PE | 23.95 | ||
| P/S | 6 | ||
| P/FCF | 12.72 | ||
| P/OCF | 12.36 | ||
| P/B | 10.11 | ||
| P/tB | 10.62 | ||
| EV/EBITDA | 18.73 |
EPS(TTM)8.2
EY3.76%
EPS(NY)9.11
Fwd EY4.18%
FCF(TTM)17.15
FCFY7.86%
OCF(TTM)17.66
OCFY8.09%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.1
PEG (5Y)0.21
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 | 15.26 |
F-Score8
WACC9.69%
ROIC/WACC3
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%63.03%
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.