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DAVE INC (DAVE) Stock Fundamental Analysis

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

194.05  -1.49 (-0.76%)

After market: 194.75 +0.7 (+0.36%)

Fundamental Rating

6

We assign a fundamental rating of 6 out of 10 to DAVE. DAVE was compared to 53 industry peers in the Consumer Finance industry. While DAVE has a great health rating, its profitability is only average at the moment. DAVE is valued quite expensive, but it does show an excellent growth. This makes DAVE very considerable 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.
DAVE had a positive operating cash flow in the past year.
In the past 5 years DAVE reported 4 times negative net income.
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

Looking at the Return On Assets, with a value of 16.61%, DAVE belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
DAVE's Return On Equity of 26.29% is amongst the best of the industry. DAVE outperforms 88.68% of its industry peers.
Looking at the Return On Invested Capital, with a value of 18.10%, DAVE belongs to the top of the industry, outperforming 88.68% of the companies in the same industry.
Industry RankSector Rank
ROA 16.61%
ROE 26.29%
ROIC 18.1%
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 Profit Margin of 13.75%. This is in the better half of the industry: DAVE outperforms 62.26% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
Looking at the Operating Margin, with a value of 16.87%, DAVE is in the better half of the industry, outperforming 64.15% of the companies in the same industry.
DAVE's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.87%
PM (TTM) 13.75%
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

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
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
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 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

An Altman-Z score of 15.81 indicates that DAVE is not in any danger for bankruptcy at the moment.
The Altman-Z score of DAVE (15.81) is better than 98.11% of its industry peers.
DAVE has a debt to FCF ratio of 0.52. This is a very positive value and a sign of high solvency as it would only need 0.52 years to pay back of all of its debts.
The Debt to FCF ratio of DAVE (0.52) is better than 92.45% of its industry peers.
A Debt/Equity ratio of 0.38 indicates that DAVE is not too dependend on debt financing.
The Debt to Equity ratio of DAVE (0.38) is better than 77.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Altman-Z 15.81
ROIC/WACC2.05
WACC8.82%
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 8.59 indicates that DAVE has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 8.59, DAVE belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
DAVE has a Quick Ratio of 8.59. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE's Quick ratio of 8.59 is amongst the best of the industry. DAVE outperforms 94.34% of its industry peers.
Industry RankSector Rank
Current Ratio 8.59
Quick Ratio 8.59
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

The Earnings Per Share has grown by an impressive 266.51% over the past year.
The Earnings Per Share has been growing by 126.65% on average over the past years. This is a very strong growth
Looking at the last year, DAVE shows a very strong growth in Revenue. The Revenue has grown by 39.31%.
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)266.51%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%1541.67%
Revenue 1Y (TTM)39.31%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%46.74%

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 Y297.69%
EPS Next 2Y126.27%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue Next Year36.99%
Revenue Next 2Y27.38%
Revenue Next 3Y13.87%
Revenue Next 5Y17.51%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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.
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

The Price/Earnings ratio is 53.46, which means the current valuation is very expensive for DAVE.
Based on the Price/Earnings ratio, DAVE is valued a bit more expensive than 77.36% of the companies in the same industry.
DAVE's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.53.
With a Price/Forward Earnings ratio of 21.29, DAVE is valued on the expensive side.
DAVE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 66.04% of the companies in the same industry.
DAVE's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 36.71.
Industry RankSector Rank
PE 53.46
Fwd PE 21.29
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

DAVE's Enterprise Value to EBITDA ratio is in line with the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as DAVE.
Industry RankSector Rank
P/FCF 17.89
EV/EBITDA 35.55
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

DAVE's 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)0.18
PEG (5Y)0.42
EPS Next 2Y126.27%
EPS Next 3Y50.93%

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0

5. Dividend

5.1 Amount

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

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DAVE INC

NASDAQ:DAVE (7/22/2025, 8:00:01 PM)

After market: 194.75 +0.7 (+0.36%)

194.05

-1.49 (-0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners73.85%
Inst Owner Change0.04%
Ins Owners15.09%
Ins Owner Change-0.66%
Market Cap2.59B
Analysts82.86
Price Target227.97 (17.48%)
Short Float %9.43%
Short Ratio1.71
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)152.24%
Min EPS beat(2)133.71%
Max EPS beat(2)170.78%
EPS beat(4)4
Avg EPS beat(4)197.89%
Min EPS beat(4)126.26%
Max EPS beat(4)360.82%
EPS beat(8)8
Avg EPS beat(8)139.6%
EPS beat(12)10
Avg EPS beat(12)94.87%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)8.06%
Min Revenue beat(2)3.64%
Max Revenue beat(2)12.48%
Revenue beat(4)4
Avg Revenue beat(4)8.13%
Min Revenue beat(4)3.64%
Max Revenue beat(4)12.48%
Revenue beat(8)7
Avg Revenue beat(8)6.03%
Revenue beat(12)8
Avg Revenue beat(12)3.26%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)15.95%
PT rev (3m)74.1%
EPS NQ rev (1m)10.6%
EPS NQ rev (3m)136.04%
EPS NY rev (1m)0%
EPS NY rev (3m)94.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
Industry RankSector Rank
PE 53.46
Fwd PE 21.29
P/S 6.79
P/FCF 17.89
P/OCF 17.03
P/B 12.98
P/tB 13.93
EV/EBITDA 35.55
EPS(TTM)3.63
EY1.87%
EPS(NY)9.11
Fwd EY4.7%
FCF(TTM)10.85
FCFY5.59%
OCF(TTM)11.4
OCFY5.87%
SpS28.59
BVpS14.95
TBVpS13.93
PEG (NY)0.18
PEG (5Y)0.42
Profitability
Industry RankSector Rank
ROA 16.61%
ROE 26.29%
ROCE 22.91%
ROIC 18.1%
ROICexc 26.37%
ROICexgc 28.38%
OM 16.87%
PM (TTM) 13.75%
GM N/A
FCFM 37.93%
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-Score9
Asset Turnover1.21
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Debt/EBITDA 1.04
Cap/Depr 98.41%
Cap/Sales 1.93%
Interest Coverage 8.64
Cash Conversion 211.62%
Profit Quality 275.88%
Current Ratio 8.59
Quick Ratio 8.59
Altman-Z 15.81
F-Score9
WACC8.82%
ROIC/WACC2.05
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)266.51%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%1541.67%
EPS Next Y297.69%
EPS Next 2Y126.27%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue 1Y (TTM)39.31%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%46.74%
Revenue Next Year36.99%
Revenue Next 2Y27.38%
Revenue Next 3Y13.87%
Revenue Next 5Y17.51%
EBIT growth 1Y364.66%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year518.56%
EBIT Next 3Y66.1%
EBIT Next 5Y68.22%
FCF growth 1Y399.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y486.87%
OCF growth 3YN/A
OCF growth 5YN/A