207.01 USD
-3.08 (-1.47%)
207.01 USD
0 (0%)
DAVE gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals 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 growing strongly while it is still valued neutral. This is a good combination! These ratings would make DAVE suitable for growth investing!
1. Profitability
1.1 Basic Checks
DAVE had positive earnings in the past year.
In the past year DAVE had a positive cash flow from operations.
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.
With an excellent Return On Invested Capital value of 29.08%, DAVE belongs to the best 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.
Looking at the Operating Margin, with a value of 29.13%, DAVE belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
In the last couple of years the Operating Margin of DAVE has grown nicely.
| 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
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DAVE is creating value.
Compared to 1 year ago, DAVE has more shares outstanding
Compared to 5 years ago, DAVE has less shares outstanding
Compared to 1 year ago, DAVE has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 15.09 indicates that DAVE is not in any danger for bankruptcy at the moment.
DAVE has a Altman-Z score of 15.09. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 0.32, DAVE belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
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 | 15.09 |
ROIC/WACC2.96
WACC9.81%
2.3 Liquidity
A Current Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
With an excellent Current ratio value of 8.69, DAVE belongs to the best of the industry, outperforming 92.73% of the companies in the same industry.
A Quick Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 8.69, DAVE belongs to the top of the industry, outperforming 92.73% of the companies in the same industry.
| 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.
The Earnings Per Share has been growing by 126.65% on average over the past years. This is a very strong growth
Looking at the last year, DAVE shows a very strong growth in Revenue. The Revenue has grown by 53.84%.
The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
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
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
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.25 indicates a quite expensive valuation of 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 (26.46), we can say DAVE is valued inline with the index average.
The Price/Forward Earnings ratio is 22.71, 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 70.91% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of DAVE to the average of the S&P500 Index (36.10), we can say DAVE is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.25 | ||
| Fwd PE | 22.71 |
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.
DAVE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.07 | ||
| EV/EBITDA | 18.46 |
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)0.09
PEG (5Y)0.2
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 |
207.01
-3.08 (-1.47%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners86.53%
Inst Owner Change6.77%
Ins Owners12.45%
Ins Owner Change-2.5%
Market Cap2.79B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target312.5 (50.96%)
Short Float %9.28%
Short Ratio1.97
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 | 25.25 | ||
| Fwd PE | 22.71 | ||
| P/S | 5.69 | ||
| P/FCF | 12.07 | ||
| P/OCF | 11.72 | ||
| P/B | 9.59 | ||
| P/tB | 10.08 | ||
| EV/EBITDA | 18.46 |
EPS(TTM)8.2
EY3.96%
EPS(NY)9.11
Fwd EY4.4%
FCF(TTM)17.15
FCFY8.29%
OCF(TTM)17.66
OCFY8.53%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.09
PEG (5Y)0.2
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 | 15.09 |
F-Score8
WACC9.81%
ROIC/WACC2.96
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.