DAVE INC (DAVE) Stock Fundamental Analysis
USA - NASDAQ:DAVE - US23834J2015 - Common Stock
243.87 USD
-7.12 (-2.84%)
243.87 USD
0 (0%)
Taking everything into account, DAVE scores 6 out of 10 in our fundamental rating. DAVE was compared to 55 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 valued quite expensive, but it does show an excellent growth. 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.
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.
1.2 Ratios
DAVE has a better Return On Assets (15.16%) than 98.18% of its industry peers.
DAVE has a Return On Equity of 25.39%. This is amongst the best in the industry. DAVE outperforms 85.45% of its industry peers.
DAVE has a better Return On Invested Capital (24.09%) than 92.73% 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 58.18% of the companies in the same industry.
DAVE's Profit Margin has improved in the last couple of years.
DAVE's Operating Margin of 23.04% is fine compared to the rest of the industry. DAVE outperforms 72.73% of its industry peers.
In the last couple of years the Operating Margin of DAVE has grown nicely.
| 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.
Compared to 1 year ago, DAVE has more shares outstanding
DAVE has less shares outstanding than it did 5 years ago.
The debt/assets ratio for DAVE has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 16.56 indicates that DAVE is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 16.56, 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.
DAVE has a better Debt to FCF ratio (0.40) than 96.36% of its industry peers.
DAVE has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
DAVE's Debt to Equity ratio of 0.35 is fine compared to the rest of the industry. DAVE outperforms 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.4 | ||
| Altman-Z | 16.56 |
ROIC/WACC2.31
WACC10.41%
2.3 Liquidity
A Current Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE's Current ratio of 9.51 is amongst the best of the industry. DAVE outperforms 94.55% of its industry peers.
A Quick Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a better Quick ratio (9.51) than 94.55% 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.
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 47.97% in the past year. This is a very strong growth!
The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
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
Based on estimates for the next years, DAVE will show a very strong growth in Earnings Per Share. The EPS will grow by 56.73% on average per year.
The Revenue is expected to grow by 17.51% on average over the next years. This is quite good.
EPS Next Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 64.52, the valuation of DAVE can be described as expensive.
81.82% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
DAVE is valuated expensively when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 26.76 indicates a quite expensive valuation of DAVE.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than the industry average as 70.91% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.63. DAVE is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 64.52 | ||
| Fwd PE | 26.76 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as DAVE.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.77 | ||
| EV/EBITDA | 30.99 |
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 81.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.24
PEG (5Y)0.51
EPS Next 2Y126.29%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
DAVE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
243.87
-7.12 (-2.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change1.67%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap3.29B
Revenue(TTM)433.06M
Net Income(TTM)55.12M
Analysts82.86
Price Target280.88 (15.18%)
Short Float %15.68%
Short Ratio4.02
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)4.76%
PT rev (3m)23.21%
EPS NQ rev (1m)1.34%
EPS NQ rev (3m)22.07%
EPS NY rev (1m)1.65%
EPS NY rev (3m)-7.87%
Revenue NQ rev (1m)1.68%
Revenue NQ rev (3m)10.12%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)9.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 64.52 | ||
| Fwd PE | 26.76 | ||
| P/S | 7.6 | ||
| P/FCF | 17.77 | ||
| P/OCF | 17.13 | ||
| P/B | 15.17 | ||
| P/tB | 16.21 | ||
| EV/EBITDA | 30.99 |
EPS(TTM)3.78
EY1.55%
EPS(NY)9.11
Fwd EY3.74%
FCF(TTM)13.73
FCFY5.63%
OCF(TTM)14.24
OCFY5.84%
SpS32.08
BVpS16.08
TBVpS15.05
PEG (NY)0.24
PEG (5Y)0.51
Graham Number36.98
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
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-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 | 16.56 |
F-Score9
WACC10.41%
ROIC/WACC2.31
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 Y266.4%
EPS Next 2Y126.29%
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 Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
EBIT growth 1Y4293.4%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year637.4%
EBIT Next 3Y115.72%
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
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 of DAVE INC (DAVE) stock?
ChartMill assigns a valuation rating of 3 / 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.
Can you provide the expected EPS growth for DAVE stock?
The Earnings per Share (EPS) of DAVE INC (DAVE) is expected to grow by 266.4% in the next year.