DAVE INC (DAVE) Fundamental Analysis & Valuation

NASDAQ:DAVE • US23834J2015

221.425 USD
+8.58 (+4.03%)
Last: Mar 13, 2026, 10:33 AM
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This DAVE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to DAVE. DAVE was compared to 54 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. While showing a medium growth rate, DAVE is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

5

1. DAVE Profitability Analysis

1.1 Basic Checks

  • DAVE had positive earnings in the past year.
  • In the past year DAVE had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: DAVE reported negative net income in multiple years.
  • The reported operating cash flow has been mixed in the past 5 years: DAVE reported negative operating cash flow in multiple 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 2025 0 100M -100M 200M

1.2 Ratios

  • With an excellent Return On Assets value of 40.18%, DAVE belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
  • DAVE has a Return On Equity of 55.53%. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
  • The Return On Invested Capital of DAVE (32.88%) is better than 94.44% of its industry peers.
Industry RankSector Rank
ROA 40.18%
ROE 55.53%
ROIC 32.88%
ROA(3y)14.34%
ROA(5y)-2.13%
ROE(3y)10.47%
ROE(5y)-28.24%
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 2025 0 50 -50 -100

1.3 Margins

  • With an excellent Profit Margin value of 35.34%, DAVE belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
  • With an excellent Operating Margin value of 33.68%, DAVE belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
Industry RankSector Rank
OM 33.68%
PM (TTM) 35.34%
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 2024 2025 0 20 -20 -40 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

10

2. DAVE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), 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
  • DAVE has a better debt/assets ratio than last year.
DAVE Yearly Shares OutstandingDAVE Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 100M 200M 300M 400M

2.2 Solvency

  • An Altman-Z score of 16.12 indicates that DAVE is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 16.12, DAVE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
  • The Debt to FCF ratio of DAVE is 0.26, which is an excellent value as it means it would take DAVE, only 0.26 years of fcf income to pay off all of its debts.
  • DAVE's Debt to FCF ratio of 0.26 is amongst the best of the industry. DAVE outperforms 96.30% of its industry peers.
  • A Debt/Equity ratio of 0.21 indicates that DAVE is not too dependend on debt financing.
  • The Debt to Equity ratio of DAVE (0.21) is better than 81.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.26
Altman-Z 16.12
ROIC/WACC3.73
WACC8.81%
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 2025 0 100M 200M 300M

2.3 Liquidity

  • DAVE has a Current Ratio of 3.83. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
  • DAVE has a better Current ratio (3.83) than 85.19% of its industry peers.
  • DAVE has a Quick Ratio of 3.83. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
  • DAVE has a better Quick ratio (3.83) than 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 3.83
Quick Ratio 3.83
DAVE Yearly Current Assets VS Current LiabilitesDAVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. DAVE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 552.25% over the past year.
  • DAVE shows a strong growth in Revenue. In the last year, the Revenue has grown by 59.67%.
  • Measured over the past years, DAVE shows a very strong growth in Revenue. The Revenue has been growing by 35.39% on average per year.
EPS 1Y (TTM)552.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%293.97%
Revenue 1Y (TTM)59.67%
Revenue growth 3Y39.35%
Revenue growth 5Y35.39%
Sales Q2Q%62.24%

3.2 Future

  • Based on estimates for the next years, DAVE will show a decrease in Earnings Per Share. The EPS will decrease by -2.56% on average per year.
  • Based on estimates for the next years, DAVE will show a small growth in Revenue. The Revenue will grow by 6.15% on average per year.
EPS Next Y6.49%
EPS Next 2Y19.91%
EPS Next 3Y-2.56%
EPS Next 5YN/A
Revenue Next Year17.21%
Revenue Next 2Y17.08%
Revenue Next 3Y6.15%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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 15

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Find the best growth stocksShow best growing peers

2

4. DAVE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.07 indicates a rather expensive valuation of DAVE.
  • 75.93% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
  • DAVE's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.71.
  • With a Price/Forward Earnings ratio of 17.91, DAVE is valued on the expensive side.
  • 64.81% of the companies in the same industry are cheaper than DAVE, based on the Price/Forward Earnings ratio.
  • DAVE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.82.
Industry RankSector Rank
PE 19.07
Fwd PE 17.91
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • DAVE's Enterprise Value to EBITDA is on the same level as 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 10.55
EV/EBITDA 13.99
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • A cheap valuation may be justified as DAVE's earnings are expected to decrease with -2.56% in the coming years.
PEG (NY)2.94
PEG (5Y)N/A
EPS Next 2Y19.91%
EPS Next 3Y-2.56%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. DAVE Dividend Analysis

5.1 Amount

  • No dividends for DAVE!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

DAVE Fundamentals: All Metrics, Ratios and Statistics

DAVE INC

NASDAQ:DAVE (3/13/2026, 10:33:08 AM)

221.425

+8.58 (+4.03%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)05-06
Inst Owners86.09%
Inst Owner Change-7.3%
Ins Owners12.4%
Ins Owner Change0.55%
Market Cap2.99B
Revenue(TTM)554.18M
Net Income(TTM)195.87M
Analysts83.75
Price Target306.11 (38.25%)
Short Float %12.05%
Short Ratio2.54
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)90.04%
Min EPS beat(2)40.36%
Max EPS beat(2)139.71%
EPS beat(4)3
Avg EPS beat(4)63.53%
Min EPS beat(4)-59.65%
Max EPS beat(4)139.71%
EPS beat(8)7
Avg EPS beat(8)131.75%
EPS beat(12)11
Avg EPS beat(12)105.78%
EPS beat(16)12
Avg EPS beat(16)64.5%
Revenue beat(2)2
Avg Revenue beat(2)6.69%
Min Revenue beat(2)2.1%
Max Revenue beat(2)11.29%
Revenue beat(4)4
Avg Revenue beat(4)9.91%
Min Revenue beat(4)2.1%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)7.71%
Revenue beat(12)10
Avg Revenue beat(12)6.15%
Revenue beat(16)11
Avg Revenue beat(16)3.84%
PT rev (1m)-2.04%
PT rev (3m)-2.04%
EPS NQ rev (1m)4.76%
EPS NQ rev (3m)4.66%
EPS NY rev (1m)-2.84%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)-1.33%
Revenue NQ rev (3m)-1.33%
Revenue NY rev (1m)1.45%
Revenue NY rev (3m)1.46%
Valuation
Industry RankSector Rank
PE 19.07
Fwd PE 17.91
P/S 5.39
P/FCF 10.55
P/OCF 10.31
P/B 8.47
P/tB 8.82
EV/EBITDA 13.99
EPS(TTM)11.61
EY5.24%
EPS(NY)12.36
Fwd EY5.58%
FCF(TTM)20.98
FCFY9.48%
OCF(TTM)21.48
OCFY9.7%
SpS41.05
BVpS26.13
TBVpS25.12
PEG (NY)2.94
PEG (5Y)N/A
Graham Number82.62
Profitability
Industry RankSector Rank
ROA 40.18%
ROE 55.53%
ROCE 49.98%
ROIC 32.88%
ROICexc 45.07%
ROICexgc 47.04%
OM 33.68%
PM (TTM) 35.34%
GM N/A
FCFM 51.11%
ROA(3y)14.34%
ROA(5y)-2.13%
ROE(3y)10.47%
ROE(5y)-28.24%
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 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-Score7
Asset Turnover1.14
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.26
Debt/EBITDA 0.39
Cap/Depr 94.99%
Cap/Sales 1.22%
Interest Coverage 26.92
Cash Conversion 149.69%
Profit Quality 144.61%
Current Ratio 3.83
Quick Ratio 3.83
Altman-Z 16.12
F-Score7
WACC8.81%
ROIC/WACC3.73
Cap/Depr(3y)116.09%
Cap/Depr(5y)138.12%
Cap/Sales(3y)2.24%
Cap/Sales(5y)3.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)552.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%293.97%
EPS Next Y6.49%
EPS Next 2Y19.91%
EPS Next 3Y-2.56%
EPS Next 5YN/A
Revenue 1Y (TTM)59.67%
Revenue growth 3Y39.35%
Revenue growth 5Y35.39%
Sales Q2Q%62.24%
Revenue Next Year17.21%
Revenue Next 2Y17.08%
Revenue Next 3Y6.15%
Revenue Next 5YN/A
EBIT growth 1Y439.2%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year45.97%
EBIT Next 3Y2.55%
EBIT Next 5YN/A
FCF growth 1Y140.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y131.76%
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 6 / 10 to DAVE.


What is the valuation status for DAVE stock?

ChartMill assigns a valuation rating of 2 / 10 to DAVE INC (DAVE). This can be considered as Overvalued.


Can you provide the profitability details for DAVE INC?

DAVE INC (DAVE) has a profitability rating of 5 / 10.


What is the valuation of DAVE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for DAVE INC (DAVE) is 19.07 and the Price/Book (PB) ratio is 8.47.


What is the expected EPS growth for DAVE INC (DAVE) stock?

The Earnings per Share (EPS) of DAVE INC (DAVE) is expected to grow by 6.49% in the next year.