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DAVE INC (DAVE) Stock Fundamental Analysis

USA - NASDAQ:DAVE - US23834J2015 - Common Stock

224.18 USD
-19.69 (-8.07%)
Last: 10/30/2025, 8:01:51 PM
227 USD
+2.82 (+1.26%)
After Hours: 10/30/2025, 8:01:51 PM
Fundamental Rating

6

Taking everything into account, DAVE scores 6 out of 10 in our fundamental rating. DAVE was compared to 55 industry peers in the Consumer Finance industry. While DAVE has a great health rating, its profitability is only average at the moment. DAVE shows excellent growth, but is valued quite expensive already. These ratings would make DAVE suitable for growth investing!


Dividend Valuation Growth Profitability Health

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5

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.
In the past 5 years DAVE reported 4 times negative net income.
In multiple years DAVE reported negative operating cash flow during the last 5 years.
DAVE Yearly Net Income VS EBIT VS OCF VS FCFDAVE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M

1.2 Ratios

The Return On Assets of DAVE (15.16%) is better than 98.18% of its industry peers.
With an excellent Return On Equity value of 25.39%, DAVE belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
The Return On Invested Capital of DAVE (24.09%) is better than 92.73% of its industry peers.
Industry RankSector Rank
ROA 15.16%
ROE 25.39%
ROIC 24.09%
ROA(3y)-12.42%
ROA(5y)-12%
ROE(3y)-48.35%
ROE(5y)-42.15%
ROIC(3y)N/A
ROIC(5y)N/A
DAVE Yearly ROA, ROE, ROICDAVE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -50 -100

1.3 Margins

DAVE's Profit Margin of 12.73% is in line compared to the rest of the industry. DAVE outperforms 58.18% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
The Operating Margin of DAVE (23.04%) is better than 72.73% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 23.04%
PM (TTM) 12.73%
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
DAVE Yearly Profit, Operating, Gross MarginsDAVE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 -20 -40 -60

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9

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.
Compared to 1 year ago, DAVE has more shares outstanding
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
The debt/assets ratio for DAVE has been reduced compared to a year ago.
DAVE Yearly Shares OutstandingDAVE Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
DAVE Yearly Total Debt VS Total AssetsDAVE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.2 Solvency

An Altman-Z score of 16.16 indicates that DAVE is not in any danger for bankruptcy at the moment.
DAVE has a Altman-Z score of 16.16. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
The Debt to FCF ratio of DAVE is 0.40, which is an excellent value as it means it would take DAVE, only 0.40 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.40, DAVE belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
A Debt/Equity ratio of 0.35 indicates that DAVE is not too dependend on debt financing.
DAVE has a Debt to Equity ratio of 0.35. This is in the better half of the industry: DAVE outperforms 80.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 0.4
Altman-Z 16.16
ROIC/WACC2.3
WACC10.49%
DAVE Yearly LT Debt VS Equity VS FCFDAVE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

2.3 Liquidity

DAVE has a Current Ratio of 9.51. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 9.51, DAVE belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
A Quick Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a Quick ratio of 9.51. This is amongst the best in the industry. DAVE outperforms 94.55% of its industry peers.
Industry RankSector Rank
Current Ratio 9.51
Quick Ratio 9.51
DAVE Yearly Current Assets VS Current LiabilitesDAVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M

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9

3. Growth

3.1 Past

DAVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1069.23%, which is quite impressive.
DAVE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 126.65% yearly.
The Revenue has grown by 47.97% in the past year. This is a very strong growth!
DAVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.42% yearly.
EPS 1Y (TTM)1069.23%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%31.91%
Revenue 1Y (TTM)47.97%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%

3.2 Future

DAVE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 56.73% yearly.
Based on estimates for the next years, DAVE will show a quite strong growth in Revenue. The Revenue will grow by 17.51% on average per year.
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

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
DAVE Yearly Revenue VS EstimatesDAVE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M
DAVE Yearly EPS VS EstimatesDAVE Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 0 5 -5 10 -10

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 59.31, the valuation of DAVE can be described as expensive.
Based on the Price/Earnings ratio, DAVE is valued expensively inside the industry as 81.82% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of DAVE to the average of the S&P500 Index (26.19), we can say DAVE is valued expensively.
The Price/Forward Earnings ratio is 24.59, 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.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.50, DAVE is valued at the same level.
Industry RankSector Rank
PE 59.31
Fwd PE 24.59
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

DAVE's Enterprise Value to EBITDA is on the same level as the industry average.
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 RankSector Rank
P/FCF 16.33
EV/EBITDA 30.09
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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.
DAVE's earnings are expected to grow with 81.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)0.47
EPS Next 2Y126.29%
EPS Next 3Y81.71%

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0

5. Dividend

5.1 Amount

No dividends for DAVE!.
Industry RankSector Rank
Dividend Yield N/A

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DAVE INC

NASDAQ:DAVE (10/30/2025, 8:01:51 PM)

After market: 227 +2.82 (+1.26%)

224.18

-19.69 (-8.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-04 2025-11-04
Inst Owners82.75%
Inst Owner Change1.67%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap3.03B
Revenue(TTM)433.06M
Net Income(TTM)55.12M
Analysts82.86
Price Target280.88 (25.29%)
Short Float %15.68%
Short Ratio4.02
Dividend
Industry RankSector 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)37.03%
Min EPS beat(2)-59.65%
Max EPS beat(2)133.71%
EPS beat(4)3
Avg EPS beat(4)92.77%
Min EPS beat(4)-59.65%
Max EPS beat(4)170.78%
EPS beat(8)7
Avg EPS beat(8)127.84%
EPS beat(12)10
Avg EPS beat(12)91.5%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)13.12%
Min Revenue beat(2)12.48%
Max Revenue beat(2)13.76%
Revenue beat(4)4
Avg Revenue beat(4)10.56%
Min Revenue beat(4)3.64%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)8.06%
Revenue beat(12)9
Avg Revenue beat(12)5.17%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.76%
PT rev (3m)23.21%
EPS NQ rev (1m)1.34%
EPS NQ rev (3m)22.07%
EPS NY rev (1m)1.65%
EPS NY rev (3m)-7.87%
Revenue NQ rev (1m)1.68%
Revenue NQ rev (3m)10.12%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)9.03%
Valuation
Industry RankSector Rank
PE 59.31
Fwd PE 24.59
P/S 6.99
P/FCF 16.33
P/OCF 15.74
P/B 13.94
P/tB 14.9
EV/EBITDA 30.09
EPS(TTM)3.78
EY1.69%
EPS(NY)9.11
Fwd EY4.07%
FCF(TTM)13.73
FCFY6.12%
OCF(TTM)14.24
OCFY6.35%
SpS32.08
BVpS16.08
TBVpS15.05
PEG (NY)0.22
PEG (5Y)0.47
Graham Number36.98
Profitability
Industry RankSector Rank
ROA 15.16%
ROE 25.39%
ROCE 30.5%
ROIC 24.09%
ROICexc 35.14%
ROICexgc 37.47%
OM 23.04%
PM (TTM) 12.73%
GM N/A
FCFM 42.79%
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-Score9
Asset Turnover1.19
Health
Industry RankSector Rank
Debt/Equity 0.35
Debt/FCF 0.4
Debt/EBITDA 0.7
Cap/Depr 94.21%
Cap/Sales 1.6%
Interest Coverage 13.75
Cash Conversion 179.47%
Profit Quality 336.18%
Current Ratio 9.51
Quick Ratio 9.51
Altman-Z 16.16
F-Score9
WACC10.49%
ROIC/WACC2.3
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)1069.23%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%31.91%
EPS Next Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue 1Y (TTM)47.97%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
EBIT growth 1Y4293.4%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year637.4%
EBIT Next 3Y115.72%
EBIT Next 5Y68.22%
FCF growth 1Y849.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1340.19%
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 6 / 10 to DAVE.


What is the valuation status of DAVE INC (DAVE) stock?

ChartMill assigns a valuation rating of 3 / 10 to DAVE INC (DAVE). This can be considered as Overvalued.


Can you provide the profitability details for DAVE INC?

DAVE INC (DAVE) has a profitability rating of 5 / 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.