Logo image of DAVE

DAVE INC (DAVE) Stock Fundamental Analysis

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

100.66  +3.92 (+4.05%)

Premarket: 104 +3.34 (+3.32%)

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. While DAVE has a great health rating, there are worries on its profitability. DAVE is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
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 Return On Assets of 15.15%. This is amongst the best in the industry. DAVE outperforms 98.08% of its industry peers.
The Return On Equity of DAVE (26.47%) is better than 88.46% 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

The Profit Margin of DAVE (12.92%) is better than 63.46% of its industry peers.
With a Operating Margin value of 4.82%, DAVE perfoms like the industry average, outperforming 44.23% 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

More info and screens

8

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DAVE is destroying value.
The number of shares outstanding for DAVE has been increased compared to 1 year ago.
Compared to 1 year ago, DAVE has a worse debt to assets ratio.
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

DAVE has an Altman-Z score of 8.07. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
DAVE has a better Altman-Z score (8.07) than 100.00% of its industry peers.
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.
With an excellent Debt to FCF ratio value of 0.82, DAVE belongs to the best of the industry, outperforming 86.54% of the companies in the same industry.
DAVE has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
With a decent Debt to Equity ratio value of 0.48, DAVE is doing good in the industry, outperforming 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 0.82
Altman-Z 8.07
ROIC/WACC0.62
WACC8.3%
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

DAVE has a Current Ratio of 6.81. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a Current ratio of 6.81. This is amongst the best in the industry. DAVE outperforms 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 better Quick ratio (6.81) than 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

More info and screens

7

3. Growth

3.1 Past

DAVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 113.51%, which is quite impressive.
DAVE shows a strong growth in Revenue. In the last year, 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

The Earnings Per Share is expected to grow by 31.87% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 17.54% on average over the next years. This is quite good.
EPS Next Y200.17%
EPS Next 2Y65.58%
EPS Next 3Y47.27%
EPS Next 5Y31.87%
Revenue Next Year37.66%
Revenue Next 2Y28.19%
Revenue Next 3Y24.26%
Revenue Next 5Y17.54%

3.3 Evolution

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 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

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 154.86 indicates a quite expensive valuation of DAVE.
Based on the Price/Earnings ratio, DAVE is valued expensively inside the industry as 82.69% of the companies are valued cheaper.
DAVE's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 29.98.
With a Price/Forward Earnings ratio of 38.88, DAVE can be considered very expensive at the moment.
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 71.15% of the companies listed in the same industry.
DAVE's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.66.
Industry RankSector Rank
PE 154.86
Fwd PE 38.88
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.
DAVE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.07
EV/EBITDA 55.51
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.
DAVE's earnings are expected to grow with 47.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y65.58%
EPS Next 3Y47.27%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for DAVE!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

DAVE INC

NASDAQ:DAVE (2/28/2025, 8:00:00 PM)

Premarket: 104 +3.34 (+3.32%)

100.66

+3.92 (+4.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-12 2024-11-12/amc
Earnings (Next)03-03 2025-03-03/amc
Inst Owners79.51%
Inst Owner Change51.07%
Ins Owners16.13%
Ins Owner Change-11.03%
Market Cap1.28B
Analysts82.86
Price Target114.24 (13.49%)
Short Float %14.83%
Short Ratio3.06
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)1.69%
PT rev (3m)35.17%
EPS NQ rev (1m)-28.08%
EPS NQ rev (3m)6.33%
EPS NY rev (1m)-5.94%
EPS NY rev (3m)9.23%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)1.87%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)3.09%
Valuation
Industry RankSector Rank
PE 154.86
Fwd PE 38.88
P/S 4.02
P/FCF 14.07
P/OCF 12.97
P/B 8.24
P/tB 9.06
EV/EBITDA 55.51
EPS(TTM)0.65
EY0.65%
EPS(NY)2.59
Fwd EY2.57%
FCF(TTM)7.15
FCFY7.11%
OCF(TTM)7.76
OCFY7.71%
SpS25.03
BVpS12.21
TBVpS11.11
PEG (NY)0.77
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 8.07
F-Score8
WACC8.3%
ROIC/WACC0.62
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 Y200.17%
EPS Next 2Y65.58%
EPS Next 3Y47.27%
EPS Next 5Y31.87%
Revenue 1Y (TTM)30%
Revenue growth 3Y28.61%
Revenue growth 5YN/A
Sales Q2Q%40.56%
Revenue Next Year37.66%
Revenue Next 2Y28.19%
Revenue Next 3Y24.26%
Revenue Next 5Y17.54%
EBIT growth 1Y123.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year274.45%
EBIT Next 3Y69.19%
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