194.68 USD
+12.17 (+6.67%)
194 USD
-0.68 (-0.35%)
Taking everything into account, DAVE scores 7 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 growing strongly while it is still valued neutral. This is a good combination! These ratings would make DAVE suitable for growth investing!
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.
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.
1.2 Ratios
With an excellent Return On Assets value of 33.87%, DAVE belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
DAVE has a Return On Equity of 50.37%. This is amongst the best in the industry. DAVE outperforms 98.18% of its industry peers.
DAVE has a better Return On Invested Capital (29.08%) than 92.73% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 29.87%, DAVE belongs to the top of the industry, outperforming 87.27% of the companies in the same industry.
In the last couple of years the Profit Margin of DAVE has grown nicely.
Looking at the Operating Margin, with a value of 29.13%, DAVE belongs to the top of the industry, outperforming 81.82% of the companies in the same industry.
DAVE's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
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.
The number of shares outstanding for DAVE has been increased compared to 1 year ago.
The number of shares outstanding for DAVE has been reduced compared to 5 years ago.
Compared to 1 year ago, DAVE has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 14.21 indicates that DAVE is not in any danger for bankruptcy at the moment.
DAVE has a Altman-Z score of 14.21. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
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 Debt to FCF ratio of 0.32. This is amongst the best in the industry. DAVE outperforms 96.36% 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.
With an excellent Debt to Equity ratio value of 0.26, DAVE belongs to the best of the industry, outperforming 83.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 14.21 |
ROIC/WACC2.83
WACC10.26%
2.3 Liquidity
DAVE has a Current Ratio of 8.69. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a better Current ratio (8.69) than 92.73% of its industry peers.
A Quick Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 8.69, DAVE belongs to the top of the industry, outperforming 92.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.69 | ||
| Quick Ratio | 8.69 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 1161.54% 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.
DAVE shows a strong growth in Revenue. In the last year, 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
DAVE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 56.73% yearly.
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 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 23.74, the valuation of DAVE can be described as rather expensive.
DAVE's Price/Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 72.73% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, DAVE is valued at the same level.
A Price/Forward Earnings ratio of 21.36 indicates a rather expensive valuation of DAVE.
Based on the Price/Forward Earnings ratio, DAVE is valued a bit more expensive than the industry average as 69.09% of the companies are valued more cheaply.
DAVE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.74 | ||
| Fwd PE | 21.36 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.35 | ||
| EV/EBITDA | 17.07 |
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 81.71% in the coming years.
PEG (NY)0.09
PEG (5Y)0.19
EPS Next 2Y126.29%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
No dividends for DAVE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
194.68
+12.17 (+6.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change6.77%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap2.63B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target306 (57.18%)
Short Float %10.7%
Short Ratio2.29
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)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)8.94%
PT rev (3m)14.12%
EPS NQ rev (1m)38.53%
EPS NQ rev (3m)62.21%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)8.73%
Revenue NQ rev (3m)10.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.74 | ||
| Fwd PE | 21.36 | ||
| P/S | 5.35 | ||
| P/FCF | 11.35 | ||
| P/OCF | 11.02 | ||
| P/B | 9.02 | ||
| P/tB | 9.48 | ||
| EV/EBITDA | 17.07 |
EPS(TTM)8.2
EY4.21%
EPS(NY)9.11
Fwd EY4.68%
FCF(TTM)17.15
FCFY8.81%
OCF(TTM)17.66
OCFY9.07%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.09
PEG (5Y)0.19
Graham Number63.1
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 14.21 |
F-Score8
WACC10.26%
ROIC/WACC2.83
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 Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%63.03%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
EBIT growth 1Y829.91%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year637.4%
EBIT Next 3Y115.72%
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 of DAVE INC (DAVE) stock?
ChartMill assigns a valuation rating of 4 / 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.
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.