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DAVE INC (DAVE) Stock Fundamental Analysis

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

84.27  +2.1 (+2.56%)

After market: 84.27 0 (0%)

Fundamental Rating

6

DAVE gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. DAVE is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. DAVE shows excellent growth, but is valued quite expensive already. These ratings could make DAVE a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

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5

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.
DAVE had negative earnings in 4 of the past 5 years.
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

DAVE has a better Return On Assets (19.33%) than 98.11% of its industry peers.
With an excellent Return On Equity value of 31.61%, DAVE belongs to the best of the industry, outperforming 92.45% of the companies in the same industry.
DAVE has a better Return On Invested Capital (10.35%) than 83.02% of its industry peers.
Industry RankSector Rank
ROA 19.33%
ROE 31.61%
ROIC 10.35%
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's Profit Margin of 16.67% is fine compared to the rest of the industry. DAVE outperforms 73.58% of its industry peers.
DAVE's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 9.97%, DAVE is in line with its industry, outperforming 50.94% of the companies in the same industry.
In the last couple of years the Operating Margin of DAVE has grown nicely.
Industry RankSector Rank
OM 9.97%
PM (TTM) 16.67%
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 just above the Cost of Capital (WACC), which means it is creating some value.
DAVE has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, DAVE has less shares outstanding
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

DAVE has an Altman-Z score of 7.51. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.51, DAVE belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
DAVE has a debt to FCF ratio of 0.64. This is a very positive value and a sign of high solvency as it would only need 0.64 years to pay back of all of its debts.
The Debt to FCF ratio of DAVE (0.64) is better than 88.68% of its industry peers.
DAVE has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
DAVE's Debt to Equity ratio of 0.41 is fine compared to the rest of the industry. DAVE outperforms 75.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 0.64
Altman-Z 7.51
ROIC/WACC1.21
WACC8.54%
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

DAVE has a Current Ratio of 8.05. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 8.05, DAVE belongs to the best of the industry, outperforming 90.57% of the companies in the same industry.
A Quick Ratio of 8.05 indicates that DAVE has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 8.05, DAVE belongs to the best of the industry, outperforming 90.57% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 8.05
Quick Ratio 8.05
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

DAVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 151.00%, which is quite impressive.
Measured over the past years, DAVE shows a very strong growth in Earnings Per Share. The EPS has been growing by 126.65% on average per year.
The Revenue has grown by 33.95% 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)151%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%3766.67%
Revenue 1Y (TTM)33.95%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%37.84%

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 Y87%
EPS Next 2Y58.24%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue Next Year23.59%
Revenue Next 2Y20.82%
Revenue Next 3Y13.87%
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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 47.34 indicates a quite expensive valuation of DAVE.
DAVE's Price/Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 77.36% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. DAVE is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 25.32, the valuation of DAVE can be described as expensive.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than the industry average as 67.92% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.08, DAVE is valued a bit more expensive.
Industry RankSector Rank
PE 47.34
Fwd PE 25.32
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

DAVE's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of DAVE is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 9.38
EV/EBITDA 24.76
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as DAVE's earnings are expected to grow with 50.93% in the coming years.
PEG (NY)0.54
PEG (5Y)0.37
EPS Next 2Y58.24%
EPS Next 3Y50.93%

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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 (4/17/2025, 8:11:55 PM)

After market: 84.27 0 (0%)

84.27

+2.1 (+2.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-03 2025-03-03/amc
Earnings (Next)05-05 2025-05-05
Inst Owners79.51%
Inst Owner Change0%
Ins Owners16.13%
Ins Owner Change-0.06%
Market Cap1.10B
Analysts82.86
Price Target130.94 (55.38%)
Short Float %10.86%
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)148.52%
Min EPS beat(2)126.26%
Max EPS beat(2)170.78%
EPS beat(4)4
Avg EPS beat(4)199.97%
Min EPS beat(4)126.26%
Max EPS beat(4)360.82%
EPS beat(8)8
Avg EPS beat(8)126.91%
EPS beat(12)9
Avg EPS beat(12)64.83%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)8.01%
Min Revenue beat(2)3.64%
Max Revenue beat(2)12.37%
Revenue beat(4)4
Avg Revenue beat(4)5.5%
Min Revenue beat(4)1.99%
Max Revenue beat(4)12.37%
Revenue beat(8)6
Avg Revenue beat(8)4.28%
Revenue beat(12)7
Avg Revenue beat(12)1.82%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)11.39%
PT rev (3m)19.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)105.2%
EPS NY rev (1m)28.58%
EPS NY rev (3m)29.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.05%
Revenue NY rev (1m)2.93%
Revenue NY rev (3m)3.37%
Valuation
Industry RankSector Rank
PE 47.34
Fwd PE 25.32
P/S 3.18
P/FCF 9.38
P/OCF 8.82
P/B 6.02
P/tB 6.51
EV/EBITDA 24.76
EPS(TTM)1.78
EY2.11%
EPS(NY)3.33
Fwd EY3.95%
FCF(TTM)8.98
FCFY10.66%
OCF(TTM)9.56
OCFY11.34%
SpS26.51
BVpS13.99
TBVpS12.95
PEG (NY)0.54
PEG (5Y)0.37
Profitability
Industry RankSector Rank
ROA 19.33%
ROE 31.61%
ROCE 13.1%
ROIC 10.35%
ROICexc 15.72%
ROICexgc 17.05%
OM 9.97%
PM (TTM) 16.67%
GM N/A
FCFM 33.88%
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-Score8
Asset Turnover1.16
Health
Industry RankSector Rank
Debt/Equity 0.41
Debt/FCF 0.64
Debt/EBITDA 1.77
Cap/Depr 98.45%
Cap/Sales 2.18%
Interest Coverage 4.52
Cash Conversion 295.89%
Profit Quality 203.16%
Current Ratio 8.05
Quick Ratio 8.05
Altman-Z 7.51
F-Score8
WACC8.54%
ROIC/WACC1.21
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)151%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%3766.67%
EPS Next Y87%
EPS Next 2Y58.24%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue 1Y (TTM)33.95%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%37.84%
Revenue Next Year23.59%
Revenue Next 2Y20.82%
Revenue Next 3Y13.87%
Revenue Next 5Y17.51%
EBIT growth 1Y182.02%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year362.05%
EBIT Next 3Y66.1%
EBIT Next 5Y68.22%
FCF growth 1Y367.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y270.73%
OCF growth 3YN/A
OCF growth 5YN/A