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DAVE INC (DAVE) Stock Fundamental Analysis

USA - NASDAQ:DAVE - US23834J2015 - Common Stock

205.3 USD
-10.94 (-5.06%)
Last: 11/14/2025, 4:20:02 PM
205.3 USD
0 (0%)
After Hours: 11/14/2025, 4:20:02 PM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to DAVE. 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 is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! This makes DAVE very considerable for growth investing!


Dividend Valuation Growth Profitability Health

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6

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.
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 (33.87%) is better than 100.00% of its industry peers.
The Return On Equity of DAVE (50.37%) is better than 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 RankSector 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
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 has a better Profit Margin (29.87%) than 87.27% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE has a better Operating Margin (29.13%) than 81.82% of its industry peers.
In the last couple of years the Operating Margin of DAVE has grown nicely.
Industry RankSector 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
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

DAVE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, DAVE has more shares outstanding
DAVE has less shares outstanding than it did 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 15.44 indicates that DAVE is not in any danger for bankruptcy at the moment.
DAVE's Altman-Z score of 15.44 is amongst the best of 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.
The Debt to FCF ratio of DAVE (0.32) is better than 96.36% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that DAVE is not too dependend on debt financing.
DAVE's Debt to Equity ratio of 0.26 is amongst the best of the industry. DAVE outperforms 83.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.32
Altman-Z 15.44
ROIC/WACC2.77
WACC10.48%
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

A Current Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
Looking at the Current 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.
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 RankSector Rank
Current Ratio 8.69
Quick Ratio 8.69
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

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%.
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%-93.15%

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

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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4

4. Valuation

4.1 Price/Earnings Ratio

DAVE is valuated quite expensively with a Price/Earnings ratio of 25.04.
Compared to the rest of the industry, the Price/Earnings ratio of DAVE indicates a slightly more expensive valuation: DAVE is more expensive than 74.55% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.91. DAVE is around the same levels.
Based on the Price/Forward Earnings ratio of 22.52, the valuation of DAVE can be described as rather expensive.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DAVE indicates a slightly more expensive valuation: DAVE is more expensive than 70.91% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, DAVE is valued a bit cheaper.
Industry RankSector Rank
PE 25.04
Fwd PE 22.52
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as DAVE.
DAVE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.97
EV/EBITDA 19.01
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 has a very decent profitability rating, which 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%

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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 (11/14/2025, 4:20:02 PM)

After market: 205.3 0 (0%)

205.3

-10.94 (-5.06%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners82.75%
Inst Owner Change1.12%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap2.77B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target280.88 (36.81%)
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)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)1
Avg Revenue beat(2)-40.78%
Min Revenue beat(2)-95.32%
Max Revenue beat(2)13.76%
Revenue beat(4)3
Avg Revenue beat(4)-16.36%
Min Revenue beat(4)-95.32%
Max Revenue beat(4)13.76%
Revenue beat(8)7
Avg Revenue beat(8)-4.31%
Revenue beat(12)8
Avg Revenue beat(12)-3.11%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)20.65%
EPS NQ rev (1m)0.78%
EPS NQ rev (3m)36.7%
EPS NY rev (1m)1.65%
EPS NY rev (3m)-7.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.12%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)9.03%
Valuation
Industry RankSector Rank
PE 25.04
Fwd PE 22.52
P/S 5.64
P/FCF 11.97
P/OCF 11.62
P/B 9.51
P/tB 9.99
EV/EBITDA 19.01
EPS(TTM)8.2
EY3.99%
EPS(NY)9.11
Fwd EY4.44%
FCF(TTM)17.15
FCFY8.36%
OCF(TTM)17.66
OCFY8.6%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.09
PEG (5Y)0.2
Graham Number63.1
Profitability
Industry RankSector 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 RankSector 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 15.44
F-Score8
WACC10.48%
ROIC/WACC2.77
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%-93.15%
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.