DAVE INC (DAVE) Fundamental Analysis & Valuation

NASDAQ:DAVE • US23834J2015

Current stock price

172.7 USD
-0.75 (-0.43%)
At close:
172.7 USD
0 (0%)
After Hours:

This DAVE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

5

1. DAVE Profitability Analysis

1.1 Basic Checks

  • In the past year DAVE was profitable.
  • DAVE had a positive operating cash flow in the past year.
  • In multiple years DAVE reported negative net income over the last 5 years.
  • 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 2025 0 100M -100M 200M

1.2 Ratios

  • DAVE's Return On Assets of 40.18% is amongst the best of the industry. DAVE outperforms 100.00% of its industry peers.
  • The Return On Equity of DAVE (55.53%) is better than 100.00% of its industry peers.
  • DAVE has a Return On Invested Capital of 32.88%. This is amongst the best in the industry. DAVE outperforms 96.30% of its industry peers.
Industry RankSector Rank
ROA 40.18%
ROE 55.53%
ROIC 32.88%
ROA(3y)14.34%
ROA(5y)-2.13%
ROE(3y)10.47%
ROE(5y)-28.24%
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 2025 0 50 -50 -100

1.3 Margins

  • DAVE has a Profit Margin of 35.34%. This is amongst the best in the industry. DAVE outperforms 88.89% of its industry peers.
  • The Operating Margin of DAVE (33.68%) is better than 83.33% of its industry peers.
Industry RankSector Rank
OM 33.68%
PM (TTM) 35.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
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 2025 0 20 -20 -40 -60

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ROAROEROICOperating and Profit MarginShow most profitable peers

10

2. DAVE Health Analysis

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
  • DAVE has less shares outstanding than it did 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 2025 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 2025 100M 200M 300M 400M

2.2 Solvency

  • An Altman-Z score of 13.75 indicates that DAVE is not in any danger for bankruptcy at the moment.
  • DAVE has a Altman-Z score of 13.75. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
  • The Debt to FCF ratio of DAVE is 0.26, which is an excellent value as it means it would take DAVE, only 0.26 years of fcf income to pay off all of its debts.
  • DAVE has a Debt to FCF ratio of 0.26. This is amongst the best in the industry. DAVE outperforms 96.30% of its industry peers.
  • DAVE has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
  • DAVE has a better Debt to Equity ratio (0.21) than 81.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.26
Altman-Z 13.75
ROIC/WACC3.69
WACC8.92%
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 2025 0 100M 200M 300M

2.3 Liquidity

  • DAVE has a Current Ratio of 3.83. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 3.83, DAVE belongs to the top of the industry, outperforming 85.19% of the companies in the same industry.
  • A Quick Ratio of 3.83 indicates that DAVE has no problem at all paying its short term obligations.
  • The Quick ratio of DAVE (3.83) is better than 87.04% of its industry peers.
Industry RankSector Rank
Current Ratio 3.83
Quick Ratio 3.83
DAVE Yearly Current Assets VS Current LiabilitesDAVE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. DAVE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 552.25% over the past year.
  • The Revenue has grown by 59.67% in the past year. This is a very strong growth!
  • DAVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.39% yearly.
EPS 1Y (TTM)552.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%293.97%
Revenue 1Y (TTM)59.67%
Revenue growth 3Y39.35%
Revenue growth 5Y35.39%
Sales Q2Q%62.24%

3.2 Future

  • The Earnings Per Share is expected to decrease by -2.56% on average over the next years.
  • Based on estimates for the next years, DAVE will show a small growth in Revenue. The Revenue will grow by 6.15% on average per year.
EPS Next Y6.49%
EPS Next 2Y19.91%
EPS Next 3Y-2.56%
EPS Next 5YN/A
Revenue Next Year25.74%
Revenue Next 2Y21.49%
Revenue Next 3Y6.15%
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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 800M
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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Find the best growth stocksShow best growing peers

3

4. DAVE Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.88, DAVE is valued correctly.
  • DAVE's Price/Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 66.67% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.60. DAVE is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 13.97, which indicates a correct valuation of DAVE.
  • DAVE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 61.11% of the companies in the same industry.
  • DAVE is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.88
Fwd PE 13.97
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

  • 66.67% of the companies in the same industry are more expensive than DAVE, based on the Enterprise Value to EBITDA ratio.
  • DAVE's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 8.27
EV/EBITDA 11.25
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • DAVE's earnings are expected to decrease with -2.56% in the coming years. This may justify a cheaper valuation.
PEG (NY)2.29
PEG (5Y)N/A
EPS Next 2Y19.91%
EPS Next 3Y-2.56%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. DAVE Dividend Analysis

5.1 Amount

  • No dividends for DAVE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

DAVE Fundamentals: All Metrics, Ratios and Statistics

DAVE INC

NASDAQ:DAVE (4/2/2026, 8:17:40 PM)

After market: 172.7 0 (0%)

172.7

-0.75 (-0.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)03-02
Earnings (Next)05-06
Inst Owners86.09%
Inst Owner Change-7.3%
Ins Owners12.4%
Ins Owner Change1.24%
Market Cap2.34B
Revenue(TTM)554.18M
Net Income(TTM)195.87M
Analysts83.75
Price Target320.05 (85.32%)
Short Float %10.94%
Short Ratio1.99
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)2
Avg EPS beat(2)90.04%
Min EPS beat(2)40.36%
Max EPS beat(2)139.71%
EPS beat(4)3
Avg EPS beat(4)63.53%
Min EPS beat(4)-59.65%
Max EPS beat(4)139.71%
EPS beat(8)7
Avg EPS beat(8)131.75%
EPS beat(12)11
Avg EPS beat(12)105.78%
EPS beat(16)12
Avg EPS beat(16)64.5%
Revenue beat(2)2
Avg Revenue beat(2)6.69%
Min Revenue beat(2)2.1%
Max Revenue beat(2)11.29%
Revenue beat(4)4
Avg Revenue beat(4)9.91%
Min Revenue beat(4)2.1%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)7.71%
Revenue beat(12)10
Avg Revenue beat(12)6.15%
Revenue beat(16)11
Avg Revenue beat(16)3.84%
PT rev (1m)2.42%
PT rev (3m)2.42%
EPS NQ rev (1m)2.48%
EPS NQ rev (3m)7.25%
EPS NY rev (1m)-2.84%
EPS NY rev (3m)0.98%
Revenue NQ rev (1m)5.34%
Revenue NQ rev (3m)3.94%
Revenue NY rev (1m)7.28%
Revenue NY rev (3m)8.85%
Valuation
Industry RankSector Rank
PE 14.88
Fwd PE 13.97
P/S 4.23
P/FCF 8.27
P/OCF 8.07
P/B 6.64
P/tB 6.91
EV/EBITDA 11.25
EPS(TTM)11.61
EY6.72%
EPS(NY)12.36
Fwd EY7.16%
FCF(TTM)20.89
FCFY12.1%
OCF(TTM)21.39
OCFY12.38%
SpS40.87
BVpS26.01
TBVpS25
PEG (NY)2.29
PEG (5Y)N/A
Graham Number82.43
Profitability
Industry RankSector Rank
ROA 40.18%
ROE 55.53%
ROCE 49.98%
ROIC 32.88%
ROICexc 45.07%
ROICexgc 47.04%
OM 33.68%
PM (TTM) 35.34%
GM N/A
FCFM 51.11%
ROA(3y)14.34%
ROA(5y)-2.13%
ROE(3y)10.47%
ROE(5y)-28.24%
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 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover1.14
Health
Industry RankSector Rank
Debt/Equity 0.21
Debt/FCF 0.26
Debt/EBITDA 0.39
Cap/Depr 94.99%
Cap/Sales 1.22%
Interest Coverage 26.92
Cash Conversion 149.69%
Profit Quality 144.61%
Current Ratio 3.83
Quick Ratio 3.83
Altman-Z 13.75
F-Score7
WACC8.92%
ROIC/WACC3.69
Cap/Depr(3y)116.09%
Cap/Depr(5y)138.12%
Cap/Sales(3y)2.24%
Cap/Sales(5y)3.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)552.25%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%293.97%
EPS Next Y6.49%
EPS Next 2Y19.91%
EPS Next 3Y-2.56%
EPS Next 5YN/A
Revenue 1Y (TTM)59.67%
Revenue growth 3Y39.35%
Revenue growth 5Y35.39%
Sales Q2Q%62.24%
Revenue Next Year25.74%
Revenue Next 2Y21.49%
Revenue Next 3Y6.15%
Revenue Next 5YN/A
EBIT growth 1Y439.2%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year45.97%
EBIT Next 3Y2.55%
EBIT Next 5YN/A
FCF growth 1Y140.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y131.76%
OCF growth 3YN/A
OCF growth 5YN/A

DAVE INC / DAVE Fundamental Analysis FAQ

What is the fundamental rating for DAVE stock?

ChartMill assigns a fundamental rating of 6 / 10 to DAVE.


What is the valuation status for DAVE stock?

ChartMill assigns a valuation rating of 3 / 10 to DAVE INC (DAVE). This can be considered as Overvalued.


What is the profitability of DAVE stock?

DAVE INC (DAVE) has a profitability rating of 5 / 10.


What is the valuation of DAVE INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for DAVE INC (DAVE) is 14.88 and the Price/Book (PB) ratio is 6.64.