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DAVE INC (DAVE) Stock Fundamental Analysis

NASDAQ:DAVE - Nasdaq - US23834J2015 - Common Stock - Currency: USD

99  +2.06 (+2.13%)

Fundamental Rating

5

Taking everything into account, DAVE scores 5 out of 10 in our fundamental rating. DAVE was compared to 53 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for DAVE as it has an excellent financial health rating, but there are worries on the profitability. DAVE is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

DAVE had positive earnings in the past year.
DAVE had a positive operating cash flow in the past year.
DAVE had negative earnings in 4 of the past 5 years.
DAVE had negative operating cash flow in 4 of the past 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 0 -50M -100M

1.2 Ratios

DAVE has a better Return On Assets (15.15%) than 98.08% of its industry peers.
The Return On Equity of DAVE (26.47%) is better than 90.38% of its industry peers.
DAVE's Return On Invested Capital of 5.18% is fine compared to the rest of the industry. DAVE outperforms 75.00% of its industry peers.
Industry RankSector Rank
ROA 15.15%
ROE 26.47%
ROIC 5.18%
ROA(3y)-23.39%
ROA(5y)-15.63%
ROE(3y)-76.11%
ROE(5y)-48.19%
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 0 -20 -40 -60 -80 -100

1.3 Margins

DAVE has a better Profit Margin (12.92%) than 65.38% of its industry peers.
With a Operating Margin value of 4.82%, DAVE perfoms like the industry average, outperforming 46.15% of the companies in the same industry.
Industry RankSector Rank
OM 4.82%
PM (TTM) 12.92%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 0 -20 -40 -60

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8

2. Health

2.1 Basic Checks

DAVE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
DAVE has more shares outstanding than it did 1 year ago.
The debt/assets ratio for DAVE is higher compared to a year ago.
DAVE Yearly Shares OutstandingDAVE Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 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 100M 200M 300M

2.2 Solvency

An Altman-Z score of 7.82 indicates that DAVE is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.82, DAVE belongs to the top of the industry, outperforming 96.15% of the companies in the same industry.
The Debt to FCF ratio of DAVE is 0.82, which is an excellent value as it means it would take DAVE, only 0.82 years of fcf income to pay off all of its debts.
DAVE's Debt to FCF ratio of 0.82 is amongst the best of the industry. DAVE outperforms 88.46% of its industry peers.
DAVE has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.48, DAVE is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 0.82
Altman-Z 7.82
ROIC/WACC0.61
WACC8.51%
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 0 50M -50M 100M 150M

2.3 Liquidity

A Current Ratio of 6.81 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a better Current ratio (6.81) than 90.38% of its industry peers.
DAVE has a Quick Ratio of 6.81. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a Quick ratio of 6.81. This is amongst the best in the industry. DAVE outperforms 90.38% of its industry peers.
Industry RankSector Rank
Current Ratio 6.81
Quick Ratio 6.81
DAVE Yearly Current Assets VS Current LiabilitesDAVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 100M 200M 300M

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 113.51% over the past year.
Looking at the last year, DAVE shows a very strong growth in Revenue. The Revenue has grown by 30.00%.
Measured over the past years, DAVE shows a very strong growth in Revenue. The Revenue has been growing by 28.61% on average per year.
EPS 1Y (TTM)113.51%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%102.97%
Revenue 1Y (TTM)30%
Revenue growth 3Y28.61%
Revenue growth 5YN/A
Sales Q2Q%40.56%

3.2 Future

DAVE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 31.87% yearly.
DAVE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.54% yearly.
EPS Next Y206.21%
EPS Next 2Y65.37%
EPS Next 3Y50.74%
EPS Next 5Y31.87%
Revenue Next Year37.69%
Revenue Next 2Y28.3%
Revenue Next 3Y24.46%
Revenue Next 5Y17.54%

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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 100M 200M 300M 400M 500M
DAVE Yearly EPS VS EstimatesDAVE Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 5 -5 -10

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 152.31, DAVE can be considered very expensive at the moment.
76.92% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 28.51, DAVE is valued quite expensively.
With a Price/Forward Earnings ratio of 38.61, DAVE can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than 73.08% of the companies in the same industry.
DAVE is valuated cheaply when we compare the Price/Forward Earnings ratio to 93.88, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 152.31
Fwd PE 38.61
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100 150

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as DAVE.
The rest of the industry has a similar Price/Free Cash Flow ratio as DAVE.
Industry RankSector Rank
P/FCF 13.84
EV/EBITDA 53.39
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

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's earnings are expected to grow with 50.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y65.37%
EPS Next 3Y50.74%

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0

5. Dividend

5.1 Amount

DAVE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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DAVE INC

NASDAQ:DAVE (1/31/2025, 9:30:00 AM)

99

+2.06 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-12 2024-11-12/amc
Earnings (Next)N/A N/A
Inst Owners47.78%
Inst Owner Change0.19%
Ins Owners16.4%
Ins Owner Change-11.03%
Market Cap1.26B
Analysts83.08
Price Target109.43 (10.54%)
Short Float %12.19%
Short Ratio2.03
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)2
Avg EPS beat(2)243.54%
Min EPS beat(2)126.26%
Max EPS beat(2)360.82%
EPS beat(4)4
Avg EPS beat(4)182.63%
Min EPS beat(4)101.43%
Max EPS beat(4)360.82%
EPS beat(8)8
Avg EPS beat(8)109.96%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)8.19%
Min Revenue beat(2)4.01%
Max Revenue beat(2)12.37%
Revenue beat(4)4
Avg Revenue beat(4)7.74%
Min Revenue beat(4)1.99%
Max Revenue beat(4)12.58%
Revenue beat(8)5
Avg Revenue beat(8)3.52%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.9%
PT rev (3m)73.44%
EPS NQ rev (1m)0%
EPS NQ rev (3m)91.13%
EPS NY rev (1m)0%
EPS NY rev (3m)33.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)6.46%
Valuation
Industry RankSector Rank
PE 152.31
Fwd PE 38.61
P/S 3.96
P/FCF 13.84
P/OCF 12.75
P/B 8.11
P/tB 8.91
EV/EBITDA 53.39
EPS(TTM)0.65
EY0.66%
EPS(NY)2.56
Fwd EY2.59%
FCF(TTM)7.15
FCFY7.23%
OCF(TTM)7.76
OCFY7.84%
SpS25.03
BVpS12.21
TBVpS11.11
PEG (NY)0.74
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 15.15%
ROE 26.47%
ROCE 6.55%
ROIC 5.18%
ROICexc 7.61%
ROICexgc 8.35%
OM 4.82%
PM (TTM) 12.92%
GM N/A
FCFM 28.59%
ROA(3y)-23.39%
ROA(5y)-15.63%
ROE(3y)-76.11%
ROE(5y)-48.19%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover1.17
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 0.82
Debt/EBITDA 3.35
Cap/Depr 110.59%
Cap/Sales 2.43%
Interest Coverage 1.42
Cash Conversion 441.94%
Profit Quality 221.33%
Current Ratio 6.81
Quick Ratio 6.81
Altman-Z 7.82
F-Score8
WACC8.51%
ROIC/WACC0.61
Cap/Depr(3y)165.72%
Cap/Depr(5y)201.09%
Cap/Sales(3y)4.03%
Cap/Sales(5y)3.67%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)113.51%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%102.97%
EPS Next Y206.21%
EPS Next 2Y65.37%
EPS Next 3Y50.74%
EPS Next 5Y31.87%
Revenue 1Y (TTM)30%
Revenue growth 3Y28.61%
Revenue growth 5YN/A
Sales Q2Q%40.56%
Revenue Next Year37.69%
Revenue Next 2Y28.3%
Revenue Next 3Y24.46%
Revenue Next 5Y17.54%
EBIT growth 1Y123.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year274.37%
EBIT Next 3Y68.48%
EBIT Next 5Y38.38%
FCF growth 1Y418.31%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y611.13%
OCF growth 3YN/A
OCF growth 5YN/A