DAVE INC (DAVE) Stock Fundamental Analysis

NASDAQ:DAVE • US23834J2015

178.24 USD
-2.33 (-1.29%)
At close: Feb 19, 2026
178.24 USD
0 (0%)
After Hours: 2/19/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

7

DAVE gets a fundamental rating of 7 out of 10. The analysis compared the fundamentals against 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. DAVE is not priced too expensively while it is growing strongly. Keep and eye on this one! These ratings would make DAVE suitable for growth investing!


Dividend Valuation Growth Profitability Health

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.
  • DAVE had negative earnings in 4 of the past 5 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 0 50M -50M 100M -100M

1.2 Ratios

  • DAVE's Return On Assets of 33.87% is amongst the best of the industry. DAVE outperforms 100.00% of its industry peers.
  • DAVE has a Return On Equity of 50.37%. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
  • The Return On Invested Capital of DAVE (29.08%) is better than 92.59% of its industry peers.
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 87.04% of its industry peers.
  • DAVE's Profit Margin has improved in the last couple of years.
  • DAVE's Operating Margin of 29.13% is fine compared to the rest of the industry. DAVE outperforms 79.63% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

10

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.
  • 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 13.27. 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 13.27, 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 0.32. 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.
  • DAVE has a better Debt to FCF ratio (0.32) than 96.30% of its industry peers.
  • DAVE has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
  • DAVE has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. DAVE outperforms 83.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.32
Altman-Z 13.27
ROIC/WACC3.41
WACC8.53%
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 94.44% 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.
  • With an excellent Quick ratio value of 8.69, DAVE belongs to the best of the industry, outperforming 94.44% of the companies in the same industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 1161.54%, 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.
  • Looking at the last year, DAVE shows a very strong growth in Revenue. The Revenue has grown by 53.84%.
  • DAVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.42% yearly.
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%63.03%

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
  • The Revenue is expected to grow by 17.51% on average over the next years. This is quite good.
EPS Next Y579.68%
EPS Next 2Y167.38%
EPS Next 3Y120.19%
EPS Next 5Y56.73%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
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 10 -10

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 21.74, which indicates a rather expensive current valuation of DAVE.
  • Based on the Price/Earnings ratio, DAVE is valued a bit more expensive than the industry average as 75.93% of the companies are valued more cheaply.
  • DAVE is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.09, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 14.01, which indicates a correct valuation of DAVE.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of DAVE is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.98, DAVE is valued a bit cheaper.
Industry RankSector Rank
PE 21.74
Fwd PE 14.01
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.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as DAVE.
Industry RankSector Rank
P/FCF 10.39
EV/EBITDA 15.6
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.
  • The decent profitability rating of DAVE may justify a higher PE ratio.
  • A more expensive valuation may be justified as DAVE's earnings are expected to grow with 120.19% in the coming years.
PEG (NY)0.04
PEG (5Y)0.17
EPS Next 2Y167.38%
EPS Next 3Y120.19%

More info and screens

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

0

5. Dividend

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 INC

NASDAQ:DAVE (2/19/2026, 8:00:01 PM)

After market: 178.24 0 (0%)

178.24

-2.33 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04
Earnings (Next)03-02
Inst Owners86.65%
Inst Owner Change1.15%
Ins Owners12.36%
Ins Owner Change-1.21%
Market Cap2.41B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target312.5 (75.33%)
Short Float %10.95%
Short Ratio2.51
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)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)2
Avg Revenue beat(2)12.53%
Min Revenue beat(2)11.29%
Max Revenue beat(2)13.76%
Revenue beat(4)4
Avg Revenue beat(4)10.29%
Min Revenue beat(4)3.64%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)9.02%
Revenue beat(12)9
Avg Revenue beat(12)5.78%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)11.26%
EPS NQ rev (1m)6.6%
EPS NQ rev (3m)36.97%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)85.5%
Revenue NQ rev (1m)1.54%
Revenue NQ rev (3m)8.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.45%
Valuation
Industry RankSector Rank
PE 21.74
Fwd PE 14.01
P/S 4.9
P/FCF 10.39
P/OCF 10.09
P/B 8.26
P/tB 8.67
EV/EBITDA 15.6
EPS(TTM)8.2
EY4.6%
EPS(NY)12.73
Fwd EY7.14%
FCF(TTM)17.15
FCFY9.62%
OCF(TTM)17.66
OCFY9.91%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.04
PEG (5Y)0.17
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 13.27
F-Score8
WACC8.53%
ROIC/WACC3.41
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 Y579.68%
EPS Next 2Y167.38%
EPS Next 3Y120.19%
EPS Next 5Y56.73%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%63.03%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
Revenue Next 5Y17.51%
EBIT growth 1Y829.91%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year757.9%
EBIT Next 3Y126.5%
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 for DAVE stock?

ChartMill assigns a valuation rating of 5 / 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.


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

The Price/Earnings (PE) ratio for DAVE INC (DAVE) is 21.74 and the Price/Book (PB) ratio is 8.26.


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 579.68% in the next year.