DAVE INC (DAVE) Stock Fundamental Analysis
USA - NASDAQ:DAVE - US23834J2015 - Common Stock
203.43 USD
-0.8 (-0.39%)
203.43 USD
0 (0%)
DAVE gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 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 valued quite expensively, but it does show have an excellent growth rating. With these ratings, DAVE could be worth investigating further 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.
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.
1.2 Ratios
DAVE has a Return On Assets of 15.16%. This is amongst the best in the industry. DAVE outperforms 98.18% of its industry peers.
DAVE's Return On Equity of 25.39% is amongst the best of the industry. DAVE outperforms 87.27% of its industry peers.
DAVE has a better Return On Invested Capital (24.09%) than 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
DAVE has a Profit Margin (12.73%) which is comparable to the rest of the industry.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE's Operating Margin of 23.04% is fine compared to the rest of the industry. DAVE outperforms 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
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
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 13.93 indicates that DAVE is not in any danger for bankruptcy at the moment.
DAVE has a better Altman-Z score (13.93) 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 Debt to FCF ratio of 0.40. This is amongst the best in the industry. DAVE outperforms 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 | 13.93 |
ROIC/WACC2.21
WACC10.9%
2.3 Liquidity
A Current Ratio of 9.51 indicates that DAVE has no problem at all paying its short term obligations.
With an excellent Current ratio value of 9.51, DAVE belongs to the best of the industry, outperforming 94.55% of the companies in the same industry.
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
The Earnings Per Share has grown by an impressive 1069.23% 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.
Looking at the last year, DAVE shows a very strong growth in Revenue. 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
Based on estimates for the next years, DAVE will show a very strong growth in Earnings Per Share. The EPS will grow by 56.73% on average per year.
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 Y260.44%
EPS Next 2Y125.24%
EPS Next 3Y81.71%
EPS Next 5Y56.73%
Revenue Next Year49.43%
Revenue Next 2Y31.28%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 53.82, the valuation of DAVE can be described as expensive.
Based on the Price/Earnings ratio, DAVE is valued a bit more expensive than 78.18% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.86, DAVE is valued quite expensively.
The Price/Forward Earnings ratio is 22.53, which indicates a rather expensive current valuation of DAVE.
DAVE's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. DAVE is more expensive than 70.91% of the companies in the same industry.
DAVE's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.82 | ||
| Fwd PE | 22.53 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as DAVE.
The rest of the industry has a similar Price/Free Cash Flow ratio as DAVE.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.82 | ||
| EV/EBITDA | 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 81.71% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.21
PEG (5Y)0.42
EPS Next 2Y125.24%
EPS Next 3Y81.71%
5. Dividend
5.1 Amount
No dividends for DAVE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
203.43
-0.8 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners82.75%
Inst Owner Change0%
Ins Owners13.05%
Ins Owner Change-1.92%
Market Cap2.75B
Analysts82.86
Price Target280.88 (38.07%)
Short Float %14.44%
Short Ratio2.86
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)37.09%
EPS NQ rev (1m)-2.38%
EPS NQ rev (3m)37.76%
EPS NY rev (1m)-2.52%
EPS NY rev (3m)-9.37%
Revenue NQ rev (1m)1.68%
Revenue NQ rev (3m)10.12%
Revenue NY rev (1m)1.5%
Revenue NY rev (3m)9.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 53.82 | ||
| Fwd PE | 22.53 | ||
| P/S | 6.34 | ||
| P/FCF | 14.82 | ||
| P/OCF | 14.29 | ||
| P/B | 12.65 | ||
| P/tB | 13.52 | ||
| EV/EBITDA | 25 |
EPS(TTM)3.78
EY1.86%
EPS(NY)9.03
Fwd EY4.44%
FCF(TTM)13.73
FCFY6.75%
OCF(TTM)14.24
OCFY7%
SpS32.08
BVpS16.08
TBVpS15.05
PEG (NY)0.21
PEG (5Y)0.42
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
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 Turnover1.19
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 | 13.93 |
F-Score9
WACC10.9%
ROIC/WACC2.21
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 Y260.44%
EPS Next 2Y125.24%
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 Year49.43%
Revenue Next 2Y31.28%
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