DAVE INC (DAVE) Stock Fundamental Analysis
USA - NASDAQ:DAVE - US23834J2015 - Common Stock
235.095 USD
+7.29 (+3.2%)
Overall DAVE gets a fundamental rating of 6 out of 10. We evaluated DAVE against 54 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 could make DAVE a good candidate 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 has a Return On Assets of 15.16%. This is amongst the best in the industry. DAVE outperforms 98.15% of its industry peers.
DAVE has a better Return On Equity (25.39%) than 87.04% of its industry peers.
DAVE has a Return On Invested Capital of 24.09%. This is amongst the best in the industry. DAVE outperforms 90.74% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 12.73%, DAVE is in line with its industry, outperforming 57.41% of the companies in the same industry.
DAVE's Profit Margin has improved in the last couple of years.
DAVE has a Operating Margin of 23.04%. This is in the better half of the industry: DAVE outperforms 70.37% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DAVE is creating value.
The number of shares outstanding for DAVE has been increased compared to 1 year ago.
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
DAVE has a better debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 15.27 indicates that DAVE is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 15.27, DAVE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
DAVE has a debt to FCF ratio of 0.40. This is a very positive value and a sign of high solvency as it would only need 0.40 years to pay back of all of its debts.
The Debt to FCF ratio of DAVE (0.40) is better than 94.44% of its industry peers.
A Debt/Equity ratio of 0.35 indicates that DAVE is not too dependend on debt financing.
With a decent Debt to Equity ratio value of 0.35, DAVE is doing good in the industry, outperforming 77.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.4 | ||
| Altman-Z | 15.27 |
ROIC/WACC2.22
WACC10.84%
2.3 Liquidity
A Current Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a Current ratio of 9.51. This is amongst the best in the industry. DAVE outperforms 94.44% of its industry peers.
A Quick Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE's Quick ratio of 9.51 is amongst the best of the industry. DAVE outperforms 94.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.51 | ||
| Quick Ratio | 9.51 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1069.23% 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.
DAVE shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.97%.
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.
The Revenue is expected to grow by 17.51% on average over the next years. This is quite good.
EPS Next Y269.76%
EPS Next 2Y133.85%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue Next Year47.23%
Revenue Next 2Y30.28%
Revenue Next 3Y22.64%
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
With a Price/Earnings ratio of 62.19, DAVE can be considered very expensive at the moment.
81.48% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
DAVE's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.41.
With a Price/Forward Earnings ratio of 24.15, DAVE is valued on the expensive side.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than 72.22% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, DAVE is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.19 | ||
| Fwd PE | 24.15 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.13 | ||
| EV/EBITDA | 28.07 |
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 81.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.23
PEG (5Y)0.49
EPS Next 2Y133.85%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
DAVE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:DAVE (9/19/2025, 10:32:48 AM)
235.095
+7.29 (+3.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners74.64%
Inst Owner Change11.13%
Ins Owners13.68%
Ins Owner Change-1.12%
Market Cap3.17B
Analysts82.86
Price Target268.13 (14.05%)
Short Float %13.55%
Short Ratio2.4
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)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)15.17%
PT rev (3m)36.38%
EPS NQ rev (1m)14%
EPS NQ rev (3m)36.99%
EPS NY rev (1m)-7.02%
EPS NY rev (3m)28.54%
Revenue NQ rev (1m)0.64%
Revenue NQ rev (3m)8.3%
Revenue NY rev (1m)7.48%
Revenue NY rev (3m)7.48%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.19 | ||
| Fwd PE | 24.15 | ||
| P/S | 7.33 | ||
| P/FCF | 17.13 | ||
| P/OCF | 16.51 | ||
| P/B | 14.62 | ||
| P/tB | 15.62 | ||
| EV/EBITDA | 28.07 |
EPS(TTM)3.78
EY1.61%
EPS(NY)9.73
Fwd EY4.14%
FCF(TTM)13.73
FCFY5.84%
OCF(TTM)14.24
OCFY6.06%
SpS32.08
BVpS16.08
TBVpS15.05
PEG (NY)0.23
PEG (5Y)0.49
Profitability
| Industry Rank | Sector 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
ROICexcg growth 3YN/A
ROICexcg 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 Rank | Sector 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 | 15.27 |
F-Score9
WACC10.84%
ROIC/WACC2.22
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 Y269.76%
EPS Next 2Y133.85%
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 Year47.23%
Revenue Next 2Y30.28%
Revenue Next 3Y22.64%
Revenue Next 5Y17.51%
EBIT growth 1Y4293.4%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year527.05%
EBIT Next 3Y66.1%
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