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DAVE INC (DAVE) Stock Fundamental Analysis

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

188.25  -1.75 (-0.92%)

After market: 188.25 0 (0%)

Fundamental Rating

6

Taking everything into account, DAVE scores 6 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, its profitability is only average at the moment. DAVE is valued quite expensively, but it does show have an excellent growth rating. With these ratings, DAVE could be worth investigating further for growth investing!.


Dividend Valuation Growth Profitability Health

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5

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.
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 has a Return On Assets of 16.61%. This is amongst the best in the industry. DAVE outperforms 98.11% of its industry peers.
DAVE's Return On Equity of 26.29% is amongst the best of the industry. DAVE outperforms 86.79% of its industry peers.
The Return On Invested Capital of DAVE (18.10%) is better than 88.68% of its industry peers.
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

With a decent Profit Margin value of 13.75%, DAVE is doing good in the industry, outperforming 62.26% of the companies in the same industry.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE's Operating Margin of 16.87% is fine compared to the rest of the industry. DAVE outperforms 64.15% of its industry peers.
In the last couple of years the Operating Margin of DAVE has grown nicely.
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

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so DAVE is creating value.
DAVE has more shares outstanding than it did 1 year ago.
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
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

An Altman-Z score of 15.42 indicates that DAVE is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 15.42, DAVE belongs to the top of the industry, outperforming 98.11% of the companies in the same industry.
The Debt to FCF ratio of DAVE is 0.52, which is an excellent value as it means it would take DAVE, only 0.52 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.52, DAVE belongs to the top of the industry, outperforming 94.34% of the companies in the same industry.
DAVE has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
DAVE has a better Debt to Equity ratio (0.38) than 77.36% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Altman-Z 15.42
ROIC/WACC2.07
WACC8.74%
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

DAVE has a Current Ratio of 8.59. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a Current ratio of 8.59. This is amongst the best in the industry. DAVE outperforms 94.34% of its industry peers.
A Quick Ratio of 8.59 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a Quick ratio of 8.59. This is amongst the best in 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

DAVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1069.23%, 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 33.96%.
DAVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.42% yearly.
EPS 1Y (TTM)1069.23%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%31.91%
Revenue 1Y (TTM)33.96%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%

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
DAVE is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.51% yearly.
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.
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 5 -5 10 -10

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 49.80 indicates a quite expensive valuation of DAVE.
Based on the Price/Earnings ratio, DAVE is valued a bit more expensive than the industry average as 79.25% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 26.84. DAVE is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 20.66, the valuation of DAVE can be described as rather expensive.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than 66.04% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of DAVE to the average of the S&P500 Index (34.94), we can say DAVE is valued slightly cheaper.
Industry RankSector Rank
PE 49.8
Fwd PE 20.66
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

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 17.36
EV/EBITDA 34.52
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.
DAVE's earnings are expected to grow with 50.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)0.39
EPS Next 2Y126.27%
EPS Next 3Y50.93%

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0

5. Dividend

5.1 Amount

DAVE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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DAVE INC

NASDAQ:DAVE (8/20/2025, 8:00:01 PM)

After market: 188.25 0 (0%)

188.25

-1.75 (-0.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-06 2025-08-06/bmo
Earnings (Next)11-10 2025-11-10
Inst Owners74.64%
Inst Owner Change11.17%
Ins Owners13.68%
Ins Owner Change-0.66%
Market Cap2.51B
Analysts82.86
Price Target232.82 (23.68%)
Short Float %9.79%
Short Ratio1.57
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)13.63%
PT rev (3m)80.97%
EPS NQ rev (1m)-8.59%
EPS NQ rev (3m)115.76%
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)9.38%
Valuation
Industry RankSector Rank
PE 49.8
Fwd PE 20.66
P/S 6.58
P/FCF 17.36
P/OCF 16.52
P/B 12.59
P/tB 13.52
EV/EBITDA 34.52
EPS(TTM)3.78
EY2.01%
EPS(NY)9.11
Fwd EY4.84%
FCF(TTM)10.85
FCFY5.76%
OCF(TTM)11.4
OCFY6.05%
SpS28.59
BVpS14.95
TBVpS13.93
PEG (NY)0.17
PEG (5Y)0.39
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 15.42
F-Score9
WACC8.74%
ROIC/WACC2.07
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 Y297.69%
EPS Next 2Y126.27%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue 1Y (TTM)33.96%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%
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 Year527.05%
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