207.01 USD
-3.08 (-1.47%)
207.01 USD
0 (0%)
Taking everything into account, DAVE scores 7 out of 10 in our fundamental rating. 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 growing strongly while it is still valued neutral. This is a good combination! These ratings could make DAVE a good candidate 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.
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 has a better Return On Assets (33.87%) than 100.00% of its industry peers.
With an excellent Return On Equity value of 50.37%, DAVE belongs to the best of the industry, outperforming 98.18% of the companies in the same industry.
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's Operating Margin of 29.13% is amongst the best of the industry. DAVE outperforms 81.82% of its industry peers.
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
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
Compared to 1 year ago, DAVE has an improved debt to assets ratio.
2.2 Solvency
DAVE has an Altman-Z score of 14.91. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of DAVE (14.91) is better than 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.
DAVE's Debt to FCF ratio of 0.32 is amongst the best of 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.
The Debt to Equity ratio of DAVE (0.26) is better than 83.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 14.91 |
ROIC/WACC2.99
WACC9.71%
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'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.
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.
The Earnings Per Share has been growing by 126.65% on average over the past years. This is a very strong growth
The Revenue has grown by 53.84% in the past year. This is a very strong growth!
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 Y580%
EPS Next 2Y162.27%
EPS Next 3Y107.61%
EPS Next 5Y56.73%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
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.
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.
The average S&P500 Price/Earnings ratio is at 26.49. DAVE is around the same levels.
DAVE is valuated correctly with a Price/Forward Earnings ratio of 16.91.
DAVE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 65.45% of the companies in the same industry.
DAVE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.25 | ||
| Fwd PE | 16.91 |
4.2 Price Multiples
DAVE's Enterprise Value to EBITDA is on the same level as the industry average.
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 | 18.18 |
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 has a very decent profitability rating, which may justify a higher PE ratio.
DAVE's earnings are expected to grow with 107.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.2
EPS Next 2Y162.27%
EPS Next 3Y107.61%
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-2.64%
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)11.26%
PT rev (3m)16.55%
EPS NQ rev (1m)28.65%
EPS NQ rev (3m)46.95%
EPS NY rev (1m)85.59%
EPS NY rev (3m)83.9%
Revenue NQ rev (1m)6.41%
Revenue NQ rev (3m)12.31%
Revenue NY rev (1m)4.45%
Revenue NY rev (3m)5.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.25 | ||
| Fwd PE | 16.91 | ||
| P/S | 5.69 | ||
| P/FCF | 12.07 | ||
| P/OCF | 11.72 | ||
| P/B | 9.59 | ||
| P/tB | 10.08 | ||
| EV/EBITDA | 18.18 |
EPS(TTM)8.2
EY3.96%
EPS(NY)12.24
Fwd EY5.91%
FCF(TTM)17.15
FCFY8.29%
OCF(TTM)17.66
OCFY8.53%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.04
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 | 14.91 |
F-Score8
WACC9.71%
ROIC/WACC2.99
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 Y580%
EPS Next 2Y162.27%
EPS Next 3Y107.61%
EPS Next 5Y56.73%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%63.03%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
Revenue Next 5Y17.51%
EBIT growth 1Y829.91%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year757.9%
EBIT Next 3Y126.5%
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 580% in the next year.