DAVE INC (DAVE) Stock Fundamental Analysis
USA - NASDAQ:DAVE - US23834J2015 - Common Stock
239.32 USD
+15.14 (+6.75%)
239.32 USD
0 (0%)
We assign a fundamental rating of 6 out of 10 to DAVE. DAVE was compared to 55 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. These ratings would make DAVE suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year DAVE was profitable.
DAVE had a positive operating cash flow in the past year.
DAVE had negative earnings in 4 of the past 5 years.
In multiple years DAVE reported negative operating cash flow during the last 5 years.
1.2 Ratios
DAVE's Return On Assets of 15.16% is amongst the best of the industry. DAVE outperforms 98.18% of its industry peers.
DAVE has a better Return On Equity (25.39%) than 85.45% of its industry peers.
DAVE has a Return On Invested Capital of 24.09%. This is amongst the best in the industry. DAVE outperforms 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.16% | ||
| ROE | 25.39% | ||
| ROIC | 24.09% |
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
With a Profit Margin value of 12.73%, DAVE perfoms like the industry average, outperforming 58.18% of the companies in the same industry.
DAVE's Profit Margin has improved in the last couple of years.
DAVE has a better Operating Margin (23.04%) than 72.73% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 23.04% | ||
| PM (TTM) | 12.73% | ||
| 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
DAVE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
DAVE has more shares outstanding than it did 1 year ago.
DAVE has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, DAVE has an improved debt to assets ratio.
2.2 Solvency
DAVE has an Altman-Z score of 15.07. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
DAVE has a better Altman-Z score (15.07) than 100.00% of its industry peers.
The Debt to FCF ratio of DAVE is 0.40, which is an excellent value as it means it would take DAVE, only 0.40 years of fcf income to pay off all of its debts.
DAVE has a better Debt to FCF ratio (0.40) than 96.36% of its industry peers.
DAVE has a Debt/Equity ratio of 0.35. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of DAVE (0.35) is better than 80.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.4 | ||
| Altman-Z | 15.07 |
ROIC/WACC2.31
WACC10.44%
2.3 Liquidity
A Current Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
DAVE has a Current ratio of 9.51. This is amongst the best in the industry. DAVE outperforms 94.55% of its industry peers.
A Quick Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 9.51, DAVE belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.51 | ||
| Quick Ratio | 9.51 |
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.
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 47.97%.
The Revenue has been growing by 35.42% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)1069.23%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%31.91%
Revenue 1Y (TTM)47.97%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%
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.
The Revenue is expected to grow by 17.51% on average over the next years. This is quite good.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
The Price/Earnings ratio is 63.31, which means the current valuation is very expensive for DAVE.
Based on the Price/Earnings ratio, DAVE is valued more expensive than 81.82% of the companies in the same industry.
When comparing the Price/Earnings ratio of DAVE to the average of the S&P500 Index (26.10), we can say DAVE is valued expensively.
The Price/Forward Earnings ratio is 26.26, which means the current valuation is very expensive for DAVE.
Compared to the rest of the industry, the Price/Forward Earnings ratio of DAVE indicates a slightly more expensive valuation: DAVE is more expensive than 70.91% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.52. DAVE is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.31 | ||
| Fwd PE | 26.26 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of DAVE is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as DAVE.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.43 | ||
| EV/EBITDA | 27.61 |
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.
A more expensive valuation may be justified as DAVE's earnings are expected to grow with 81.71% in the coming years.
PEG (NY)0.24
PEG (5Y)0.5
EPS Next 2Y126.29%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
DAVE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
239.32
+15.14 (+6.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change1.67%
Ins Owners13.05%
Ins Owner Change-2.5%
Market Cap3.23B
Revenue(TTM)433.06M
Net Income(TTM)55.12M
Analysts82.86
Price Target280.88 (17.37%)
Short Float %15.68%
Short Ratio4.02
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)37.03%
Min EPS beat(2)-59.65%
Max EPS beat(2)133.71%
EPS beat(4)3
Avg EPS beat(4)92.77%
Min EPS beat(4)-59.65%
Max EPS beat(4)170.78%
EPS beat(8)7
Avg EPS beat(8)127.84%
EPS beat(12)10
Avg EPS beat(12)91.5%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)13.12%
Min Revenue beat(2)12.48%
Max Revenue beat(2)13.76%
Revenue beat(4)4
Avg Revenue beat(4)10.56%
Min Revenue beat(4)3.64%
Max Revenue beat(4)13.76%
Revenue beat(8)8
Avg Revenue beat(8)8.06%
Revenue beat(12)9
Avg Revenue beat(12)5.17%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.76%
PT rev (3m)23.21%
EPS NQ rev (1m)1.34%
EPS NQ rev (3m)22.07%
EPS NY rev (1m)1.65%
EPS NY rev (3m)-7.87%
Revenue NQ rev (1m)1.68%
Revenue NQ rev (3m)10.12%
Revenue NY rev (1m)1.44%
Revenue NY rev (3m)9.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 63.31 | ||
| Fwd PE | 26.26 | ||
| P/S | 7.46 | ||
| P/FCF | 17.43 | ||
| P/OCF | 16.81 | ||
| P/B | 14.88 | ||
| P/tB | 15.9 | ||
| EV/EBITDA | 27.61 |
EPS(TTM)3.78
EY1.58%
EPS(NY)9.11
Fwd EY3.81%
FCF(TTM)13.73
FCFY5.74%
OCF(TTM)14.24
OCFY5.95%
SpS32.08
BVpS16.08
TBVpS15.05
PEG (NY)0.24
PEG (5Y)0.5
Graham Number36.98
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 15.16% | ||
| ROE | 25.39% | ||
| ROCE | 30.5% | ||
| ROIC | 24.09% | ||
| ROICexc | 35.14% | ||
| ROICexgc | 37.47% | ||
| OM | 23.04% | ||
| PM (TTM) | 12.73% | ||
| GM | N/A | ||
| FCFM | 42.79% |
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-Score9
Asset Turnover1.19
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.35 | ||
| Debt/FCF | 0.4 | ||
| Debt/EBITDA | 0.7 | ||
| Cap/Depr | 94.21% | ||
| Cap/Sales | 1.6% | ||
| Interest Coverage | 13.75 | ||
| Cash Conversion | 179.47% | ||
| Profit Quality | 336.18% | ||
| Current Ratio | 9.51 | ||
| Quick Ratio | 9.51 | ||
| Altman-Z | 15.07 |
F-Score9
WACC10.44%
ROIC/WACC2.31
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 Y266.4%
EPS Next 2Y126.29%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue 1Y (TTM)47.97%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%64.42%
Revenue Next Year49.35%
Revenue Next 2Y31.24%
Revenue Next 3Y23.26%
Revenue Next 5Y17.51%
EBIT growth 1Y4293.4%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year637.4%
EBIT Next 3Y115.72%
EBIT Next 5Y68.22%
FCF growth 1Y849.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1340.19%
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 6 / 10 to DAVE.
What is the valuation status of DAVE INC (DAVE) stock?
ChartMill assigns a valuation rating of 3 / 10 to DAVE INC (DAVE). This can be considered as Overvalued.
Can you provide the profitability details for DAVE INC?
DAVE INC (DAVE) has a profitability rating of 5 / 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.