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DAVE INC (DAVE) Stock Fundamental Analysis

NASDAQ:DAVE - Nasdaq - US23834J2015 - Common Stock - Currency: USD

235.8  -4.4 (-1.83%)

After market: 234.9 -0.9 (-0.38%)

Fundamental Rating

6

Taking everything into account, DAVE scores 6 out of 10 in our fundamental rating. DAVE was compared to 53 industry peers in the Consumer Finance industry. DAVE has an excellent financial health rating, but there are some minor concerns on its profitability. DAVE is valued quite expensive, but it does show an excellent growth. These ratings could make DAVE a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

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5

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.
The reported operating cash flow has been mixed in the past 5 years: DAVE reported negative operating cash flow in multiple 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 16.61% is amongst the best of the industry. DAVE outperforms 98.11% of its industry peers.
With an excellent Return On Equity value of 26.29%, DAVE belongs to the best of the industry, outperforming 88.68% of the companies in the same industry.
DAVE has a Return On Invested Capital of 18.10%. This is amongst the best in the industry. DAVE outperforms 88.68% of its industry peers.
Industry RankSector Rank
ROA 16.61%
ROE 26.29%
ROIC 18.1%
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 (13.75%) than 64.15% of its industry peers.
In the last couple of years the Profit Margin of DAVE has grown nicely.
DAVE's Operating Margin of 16.87% is fine compared to the rest of the industry. DAVE outperforms 64.15% of its industry peers.
DAVE's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 16.87%
PM (TTM) 13.75%
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

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), DAVE is creating value.
The number of shares outstanding for DAVE has been increased compared to 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.
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 18.88. This indicates that DAVE is financially healthy and has little risk of bankruptcy at the moment.
DAVE has a Altman-Z score of 18.88. This is amongst the best in the industry. DAVE outperforms 98.11% of its industry peers.
The Debt to FCF ratio of DAVE is 0.52, which is an excellent value as it means it would take DAVE, only 0.52 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 0.52, DAVE belongs to the best of the industry, outperforming 94.34% of the companies in the same industry.
DAVE has a Debt/Equity ratio of 0.38. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.38, DAVE is in the better half of the industry, outperforming 77.36% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Altman-Z 18.88
ROIC/WACC2.05
WACC8.85%
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

DAVE has a Current Ratio of 8.59. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
DAVE has a better Current ratio (8.59) than 94.34% of its industry peers.
DAVE has a Quick Ratio of 8.59. This indicates that DAVE is financially healthy and has no problem in meeting its short term obligations.
With an excellent Quick ratio value of 8.59, DAVE belongs to the best of the industry, outperforming 94.34% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 8.59
Quick Ratio 8.59
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 266.51%, 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 39.31%.
Measured over the past years, DAVE shows a very strong growth in Revenue. The Revenue has been growing by 35.42% on average per year.
EPS 1Y (TTM)266.51%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%1541.67%
Revenue 1Y (TTM)39.31%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%46.74%

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 Y297.69%
EPS Next 2Y126.27%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue Next Year36.99%
Revenue Next 2Y27.38%
Revenue Next 3Y13.87%
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.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 64.96, the valuation of DAVE can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of DAVE indicates a slightly more expensive valuation: DAVE is more expensive than 79.25% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.25, DAVE is valued quite expensively.
Based on the Price/Forward Earnings ratio of 25.87, the valuation of DAVE can be described as expensive.
67.92% 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 36.80, DAVE is valued a bit cheaper.
Industry RankSector Rank
PE 64.96
Fwd PE 25.87
DAVE Price Earnings VS Forward Price EarningsDAVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

DAVE's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, DAVE is valued a bit more expensive than 60.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 21.74
EV/EBITDA 43.85
DAVE Per share dataDAVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 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 50.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.22
PEG (5Y)0.51
EPS Next 2Y126.27%
EPS Next 3Y50.93%

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0

5. Dividend

5.1 Amount

DAVE does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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DAVE INC

NASDAQ:DAVE (7/31/2025, 8:16:10 PM)

After market: 234.9 -0.9 (-0.38%)

235.8

-4.4 (-1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners73.85%
Inst Owner Change-0.16%
Ins Owners15.09%
Ins Owner Change-0.66%
Market Cap3.15B
Analysts82.86
Price Target227.97 (-3.32%)
Short Float %10.02%
Short Ratio1.94
Dividend
Industry RankSector 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)2
Avg EPS beat(2)152.24%
Min EPS beat(2)133.71%
Max EPS beat(2)170.78%
EPS beat(4)4
Avg EPS beat(4)197.89%
Min EPS beat(4)126.26%
Max EPS beat(4)360.82%
EPS beat(8)8
Avg EPS beat(8)139.6%
EPS beat(12)10
Avg EPS beat(12)94.87%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)8.06%
Min Revenue beat(2)3.64%
Max Revenue beat(2)12.48%
Revenue beat(4)4
Avg Revenue beat(4)8.13%
Min Revenue beat(4)3.64%
Max Revenue beat(4)12.48%
Revenue beat(8)7
Avg Revenue beat(8)6.03%
Revenue beat(12)8
Avg Revenue beat(12)3.26%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)11.26%
PT rev (3m)77.21%
EPS NQ rev (1m)1.1%
EPS NQ rev (3m)115.76%
EPS NY rev (1m)0%
EPS NY rev (3m)94.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)12.59%
Revenue NY rev (1m)0%
Revenue NY rev (3m)10.84%
Valuation
Industry RankSector Rank
PE 64.96
Fwd PE 25.87
P/S 8.25
P/FCF 21.74
P/OCF 20.69
P/B 15.77
P/tB 16.93
EV/EBITDA 43.85
EPS(TTM)3.63
EY1.54%
EPS(NY)9.11
Fwd EY3.86%
FCF(TTM)10.85
FCFY4.6%
OCF(TTM)11.4
OCFY4.83%
SpS28.59
BVpS14.95
TBVpS13.93
PEG (NY)0.22
PEG (5Y)0.51
Profitability
Industry RankSector Rank
ROA 16.61%
ROE 26.29%
ROCE 22.91%
ROIC 18.1%
ROICexc 26.37%
ROICexgc 28.38%
OM 16.87%
PM (TTM) 13.75%
GM N/A
FCFM 37.93%
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 Turnover1.21
Health
Industry RankSector Rank
Debt/Equity 0.38
Debt/FCF 0.52
Debt/EBITDA 1.04
Cap/Depr 98.41%
Cap/Sales 1.93%
Interest Coverage 8.64
Cash Conversion 211.62%
Profit Quality 275.88%
Current Ratio 8.59
Quick Ratio 8.59
Altman-Z 18.88
F-Score9
WACC8.85%
ROIC/WACC2.05
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)266.51%
EPS 3YN/A
EPS 5Y126.65%
EPS Q2Q%1541.67%
EPS Next Y297.69%
EPS Next 2Y126.27%
EPS Next 3Y50.93%
EPS Next 5Y56.73%
Revenue 1Y (TTM)39.31%
Revenue growth 3Y31.39%
Revenue growth 5Y35.42%
Sales Q2Q%46.74%
Revenue Next Year36.99%
Revenue Next 2Y27.38%
Revenue Next 3Y13.87%
Revenue Next 5Y17.51%
EBIT growth 1Y364.66%
EBIT growth 3YN/A
EBIT growth 5Y80.63%
EBIT Next Year518.56%
EBIT Next 3Y66.1%
EBIT Next 5Y68.22%
FCF growth 1Y399.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y486.87%
OCF growth 3YN/A
OCF growth 5YN/A