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DAVE INC (DAVE) Stock Fundamental Analysis

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

208.235  -30.01 (-12.6%)

After market: 209 +0.76 (+0.37%)

Fundamental Rating

6

Taking everything into account, DAVE scores 6 out of 10 in our fundamental rating. DAVE was compared to 52 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 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

In the past year DAVE was profitable.
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

Looking at the Return On Assets, with a value of 16.61%, DAVE belongs to the top of the industry, outperforming 98.08% of the companies in the same industry.
DAVE has a Return On Equity of 26.29%. This is amongst the best in the industry. DAVE outperforms 88.46% of its industry peers.
DAVE has a Return On Invested Capital of 18.10%. This is amongst the best in the industry. DAVE outperforms 88.46% 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

DAVE's Profit Margin of 13.75% is fine compared to the rest of the industry. DAVE outperforms 61.54% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE has a better Operating Margin (16.87%) than 63.46% of its industry peers.
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

DAVE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
The number of shares outstanding for DAVE has been increased compared to 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 18.75. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
DAVE's Altman-Z score of 18.75 is amongst the best of the industry. DAVE outperforms 98.08% 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.
DAVE has a better Debt to FCF ratio (0.52) than 92.31% of its industry peers.
A Debt/Equity ratio of 0.38 indicates that DAVE is not too dependend on debt financing.
DAVE has a Debt to Equity ratio of 0.38. This is in the better half of the industry: DAVE outperforms 76.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Altman-Z 18.75
ROIC/WACC2.05
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 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's Current ratio of 8.59 is amongst the best of the industry. DAVE outperforms 92.31% 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 better Quick ratio (8.59) than 92.31% 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.
DAVE shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 126.65% yearly.
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
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 Y187.66%
EPS Next 2Y97.9%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue Next Year36.99%
Revenue Next 2Y27.01%
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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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 57.37, which means the current valuation is very expensive for DAVE.
DAVE's Price/Earnings ratio is rather expensive when compared to the industry. DAVE is more expensive than 80.77% of the companies in the same industry.
DAVE is valuated expensively when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 29.87, which means the current valuation is very expensive for DAVE.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 22.13. DAVE is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 57.37
Fwd PE 29.87
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.
Based on the Price/Free Cash Flow ratio, DAVE is valued a bit more expensive than 63.46% of the companies in the same industry.
Industry RankSector Rank
P/FCF 19.2
EV/EBITDA 43.48
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)0.31
PEG (5Y)0.45
EPS Next 2Y97.9%
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 (6/13/2025, 8:00:01 PM)

After market: 209 +0.76 (+0.37%)

208.235

-30.01 (-12.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-04 2025-08-04
Inst Owners79.51%
Inst Owner Change5.39%
Ins Owners16.13%
Ins Owner Change0.65%
Market Cap2.78B
Analysts82.86
Price Target196.61 (-5.58%)
Short Float %9.28%
Short Ratio1.91
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)52.82%
PT rev (3m)67.25%
EPS NQ rev (1m)113.41%
EPS NQ rev (3m)181.13%
EPS NY rev (1m)40.64%
EPS NY rev (3m)97.79%
Revenue NQ rev (1m)12.59%
Revenue NQ rev (3m)17.37%
Revenue NY rev (1m)9.38%
Revenue NY rev (3m)14.75%
Valuation
Industry RankSector Rank
PE 57.37
Fwd PE 29.87
P/S 7.28
P/FCF 19.2
P/OCF 18.27
P/B 13.93
P/tB 14.95
EV/EBITDA 43.48
EPS(TTM)3.63
EY1.74%
EPS(NY)6.97
Fwd EY3.35%
FCF(TTM)10.85
FCFY5.21%
OCF(TTM)11.4
OCFY5.47%
SpS28.59
BVpS14.95
TBVpS13.93
PEG (NY)0.31
PEG (5Y)0.45
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 18.75
F-Score9
WACC8.81%
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 Y187.66%
EPS Next 2Y97.9%
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 2Y27.01%
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