194.01 USD
+1.95 (+1.02%)
194.55 USD
+0.54 (+0.28%)
We assign a fundamental rating of 7 out of 10 to DAVE. DAVE was compared to 54 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 not priced too expensively while it is growing strongly. Keep and eye on this one! 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.
- 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 has a better Return On Assets (33.87%) than 100.00% of its industry peers.
- Looking at the Return On Equity, with a value of 50.37%, DAVE belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
- The Return On Invested Capital of DAVE (29.08%) is better than 92.59% 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 87.04% of the companies in the same industry.
- DAVE's Profit Margin has improved in the last couple of years.
- DAVE has a Operating Margin of 29.13%. This is in the better half of the industry: DAVE outperforms 79.63% of its industry peers.
- 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
- DAVE has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
- Compared to 1 year ago, DAVE has more shares outstanding
- Compared to 5 years ago, DAVE has less shares outstanding
- Compared to 1 year ago, DAVE has an improved debt to assets ratio.
2.2 Solvency
- An Altman-Z score of 14.17 indicates that DAVE is not in any danger for bankruptcy at the moment.
- DAVE has a Altman-Z score of 14.17. This is amongst the best in the industry. DAVE outperforms 100.00% of its industry peers.
- The Debt to FCF ratio of DAVE is 0.32, which is an excellent value as it means it would take DAVE, only 0.32 years of fcf income to pay off all of its debts.
- DAVE has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. DAVE outperforms 96.30% 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.
- DAVE has a Debt to Equity ratio of 0.26. This is amongst the best in the industry. DAVE outperforms 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 14.17 |
ROIC/WACC3.35
WACC8.69%
2.3 Liquidity
- A Current Ratio of 8.69 indicates that DAVE has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 8.69, DAVE belongs to the top of the industry, outperforming 92.59% 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.
- The Quick ratio of DAVE (8.69) is better than 92.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 8.69 | ||
| Quick Ratio | 8.69 |
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.
- 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 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 3Y120.19%
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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 23.66, the valuation of DAVE can be described as rather expensive.
- Based on the Price/Earnings ratio, DAVE is valued a bit more expensive than 72.22% of the companies in the same industry.
- DAVE is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 15.85, which indicates a correct valuation of DAVE.
- 61.11% of the companies in the same industry are cheaper than DAVE, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, DAVE is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.66 | ||
| Fwd PE | 15.85 |
4.2 Price Multiples
- DAVE's Enterprise Value to EBITDA is on the same level as the industry average.
- DAVE's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.31 | ||
| EV/EBITDA | 17.01 |
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.
- DAVE's earnings are expected to grow with 120.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.04
PEG (5Y)0.19
EPS Next 2Y162.27%
EPS Next 3Y120.19%
5. Dividend
5.1 Amount
- DAVE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
194.01
+1.95 (+1.02%)
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 Owners86.65%
Inst Owner Change0.88%
Ins Owners12.36%
Ins Owner Change-1.26%
Market Cap2.62B
Revenue(TTM)491.30M
Net Income(TTM)146.73M
Analysts82.86
Price Target312.5 (61.07%)
Short Float %8.23%
Short Ratio1.77
Dividend
| Industry Rank | Sector 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)0%
PT rev (3m)11.26%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)48.3%
EPS NY rev (1m)0%
EPS NY rev (3m)88.66%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.27%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.39%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.66 | ||
| Fwd PE | 15.85 | ||
| P/S | 5.33 | ||
| P/FCF | 11.31 | ||
| P/OCF | 10.98 | ||
| P/B | 8.99 | ||
| P/tB | 9.44 | ||
| EV/EBITDA | 17.01 |
EPS(TTM)8.2
EY4.23%
EPS(NY)12.24
Fwd EY6.31%
FCF(TTM)17.15
FCFY8.84%
OCF(TTM)17.66
OCFY9.1%
SpS36.39
BVpS21.58
TBVpS20.55
PEG (NY)0.04
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 | 14.17 |
F-Score8
WACC8.69%
ROIC/WACC3.35
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 3Y120.19%
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 for 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.
What is the valuation of DAVE INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for DAVE INC (DAVE) is 23.66 and the Price/Book (PB) ratio is 8.99.
What is the expected EPS growth for DAVE INC (DAVE) stock?
The Earnings per Share (EPS) of DAVE INC (DAVE) is expected to grow by 580% in the next year.