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DAVE INC (DAVE) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:DAVE - US23834J2015 - Common Stock

225.75 USD
-2.94 (-1.29%)
Last: 12/26/2025, 10:04:14 AM
Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to DAVE. DAVE was compared to 56 industry peers in the Consumer Finance industry. While DAVE has a great health rating, its profitability is only average at the moment. DAVE is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one! These ratings would make DAVE suitable for growth investing!


Dividend Valuation Growth Profitability Health

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6

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

DAVE's Return On Assets of 33.87% is amongst the best of the industry. DAVE outperforms 100.00% of its industry peers.
DAVE's Return On Equity of 50.37% is amongst the best of the industry. DAVE outperforms 98.21% of its industry peers.
The Return On Invested Capital of DAVE (29.08%) is better than 92.86% of its industry peers.
Industry RankSector 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
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 better Profit Margin (29.87%) than 87.50% of its industry peers.
DAVE's Profit Margin has improved in the last couple of years.
DAVE has a Operating Margin of 29.13%. This is amongst the best in the industry. DAVE outperforms 82.14% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
Industry RankSector 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
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.
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.
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 16.15. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of DAVE (16.15) is better than 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's Debt to FCF ratio of 0.32 is amongst the best of the industry. DAVE outperforms 96.43% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that DAVE is not too dependend on debt financing.
The Debt to Equity ratio of DAVE (0.26) is better than 83.93% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 0.32
Altman-Z 16.15
ROIC/WACC2.99
WACC9.71%
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 8.69 indicates that DAVE has no problem at all paying its short term obligations.
With an excellent Current ratio value of 8.69, DAVE belongs to the best of the industry, outperforming 92.86% of the companies in the same industry.
DAVE has a Quick Ratio of 8.69. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a Quick ratio of 8.69. This is amongst the best in the industry. DAVE outperforms 92.86% of its industry peers.
Industry RankSector Rank
Current Ratio 8.69
Quick Ratio 8.69
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 1161.54%, which is quite impressive.
The Earnings Per Share has been growing by 126.65% on average over the past years. This is a very strong growth
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 Y580%
EPS Next 2Y162.27%
EPS Next 3Y107.61%
EPS Next 5Y56.73%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
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.
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 15

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4

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 27.53, which means the current valuation is very expensive for DAVE.
73.21% of the companies in the same industry are cheaper than DAVE, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.59, DAVE is valued at the same level.
With a Price/Forward Earnings ratio of 18.44, 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 64.29% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.03, DAVE is valued a bit cheaper.
Industry RankSector Rank
PE 27.53
Fwd PE 18.44
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as DAVE.
DAVE's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 13.16
EV/EBITDA 20.12
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

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 has a very decent profitability rating, which may justify a higher PE ratio.
DAVE's earnings are expected to grow with 107.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.05
PEG (5Y)0.22
EPS Next 2Y162.27%
EPS Next 3Y107.61%

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0

5. Dividend

5.1 Amount

DAVE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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DAVE INC

NASDAQ:DAVE (12/26/2025, 10:04:14 AM)

225.75

-2.94 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-04 2025-11-04/bmo
Earnings (Next)03-02 2026-03-02/amc
Inst Owners86.53%
Inst Owner Change6.76%
Ins Owners12.45%
Ins Owner Change-1.25%
Market Cap3.05B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target312.5 (38.43%)
Short Float %7.94%
Short Ratio1.77
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)11.26%
PT rev (3m)16.55%
EPS NQ rev (1m)6.32%
EPS NQ rev (3m)50.46%
EPS NY rev (1m)85.59%
EPS NY rev (3m)83.9%
Revenue NQ rev (1m)1.61%
Revenue NQ rev (3m)12.31%
Revenue NY rev (1m)4.45%
Revenue NY rev (3m)5.95%
Valuation
Industry RankSector Rank
PE 27.53
Fwd PE 18.44
P/S 6.2
P/FCF 13.16
P/OCF 12.78
P/B 10.46
P/tB 10.99
EV/EBITDA 20.12
EPS(TTM)8.2
EY3.63%
EPS(NY)12.24
Fwd EY5.42%
FCF(TTM)17.15
FCFY7.6%
OCF(TTM)17.66
OCFY7.82%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.05
PEG (5Y)0.22
Graham Number63.1
Profitability
Industry RankSector 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 RankSector 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 16.15
F-Score8
WACC9.71%
ROIC/WACC2.99
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 Y580%
EPS Next 2Y162.27%
EPS Next 3Y107.61%
EPS Next 5Y56.73%
Revenue 1Y (TTM)53.84%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%63.03%
Revenue Next Year55.99%
Revenue Next 2Y35.72%
Revenue Next 3Y28.16%
Revenue Next 5Y17.51%
EBIT growth 1Y829.91%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year757.9%
EBIT Next 3Y126.5%
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 580% in the next year.