(DAVE) Dave - Ratings and Ratios
Budget,Banking,ExtraCash,Hustle,Surveys
DAVE EPS (Earnings per Share)
DAVE Revenue
Description: DAVE Dave
Dave Inc. is a financial services company that offers a range of products and services through its platform, primarily in the United States. The companys suite of services includes personal financial management tools, short-term liquidity alternatives, job search portals, and paid survey opportunities, all accessible through its mobile application. Additionally, it provides a digital checking and demand deposit account known as Dave Banking.
From a high-level perspective, Dave Inc.s business model is centered around providing an integrated financial services platform that caters to the diverse needs of its members, from budgeting and financial management to accessing extra cash and supplementary income opportunities. Key Performance Indicators (KPIs) that could be relevant for evaluating the companys performance include user acquisition costs, revenue per user (RPU), customer retention rates, and the average revenue generated from its various services such as ExtraCash and Side Hustle.
The companys growth and profitability can be assessed through metrics like revenue growth rate, net income margin, and return on equity (RoE), which is reported at 30.84%. This indicates a strong ability to generate profits from shareholders equity. The price-to-earnings (P/E) ratio and forward P/E ratio are 59.16 and 24.57, respectively, suggesting that the companys stock is priced at a premium relative to its current earnings but may be more reasonably valued when considering future earnings expectations.
Further analysis could involve examining the companys customer base, including demographics and engagement metrics, to understand the scalability of its business model. Additionally, assessing the competitive landscape and market trends in the fintech and financial services sector could provide insights into Dave Inc.s potential for sustained growth and market share expansion.
DAVE Stock Overview
| Market Cap in USD | 2,931m |
| Sub-Industry | Application Software |
| IPO / Inception | 2021-04-26 |
DAVE Stock Ratings
| Growth Rating | 72.0% |
| Fundamental | 94.2% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 383% |
| Analyst Rating | 4.75 of 5 |
DAVE Dividends
Currently no dividends paidDAVE Growth Ratios
| Growth Correlation 3m | -35.9% |
| Growth Correlation 12m | 85.3% |
| Growth Correlation 5y | -18% |
| CAGR 5y | 149.02% |
| CAGR/Max DD 3y | 2.17 |
| CAGR/Mean DD 3y | 5.13 |
| Sharpe Ratio 12m | 0.66 |
| Alpha | 0.10 |
| Beta | 0.544 |
| Volatility | 84.55% |
| Current Volume | 295k |
| Average Volume 20d | 364.6k |
| Stop Loss | 203.3 (-7%) |
| Signal | 0.37 |
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (55.1m TTM) > 0 and > 6% of Revenue (6% = 26.0m TTM) |
| FCFTA 0.53 (>2.0%) and ΔFCFTA 25.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 71.57% (prev 69.36%; Δ 2.22pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.53 (>3.0%) and CFO 192.2m > Net Income 55.1m (YES >=105%, WARN >=100%) |
| Net Debt (13.7m) to EBITDA (78.4m) ratio: 0.17 <= 3.0 (WARN <= 3.5) |
| Current Ratio 9.51 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (14.6m) change vs 12m ago 7.46% (target <= -2.0% for YES) |
| Gross Margin 90.94% (prev 73.31%; Δ 17.62pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 141.8% (prev 118.4%; Δ 23.37pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 9.68 (EBITDA TTM 78.4m / Interest Expense TTM 7.34m) >= 6 (WARN >= 3) |
Altman Z'' 5.31
| (A) 0.85 = (Total Current Assets 346.4m - Total Current Liabilities 36.4m) / Total Assets 363.6m |
| (B) -0.32 = Retained Earnings (Balance) -114.6m / Total Assets 363.6m |
| (C) 0.23 = EBIT TTM 71.0m / Avg Total Assets 305.4m |
| (D) -0.78 = Book Value of Equity -114.5m / Total Liabilities 146.5m |
| Total Rating: 5.31 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 94.24
| 1. Piotroski 7.0pt = 2.0 |
| 2. FCF Yield 6.68% = 3.34 |
| 3. FCF Margin 44.78% = 7.50 |
| 4. Debt/Equity 0.35 = 2.44 |
| 5. Debt/Ebitda 0.96 = 1.82 |
| 6. ROIC - WACC (= 17.94)% = 12.50 |
| 7. RoE 29.19% = 2.43 |
| 8. Rev. Trend 96.95% = 7.27 |
| 9. EPS Trend 98.58% = 4.93 |
What is the price of DAVE shares?
Over the past week, the price has changed by +2.07%, over one month by +8.10%, over three months by +7.06% and over the past year by +472.79%.
Is Dave a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of DAVE is around 201.76 USD . This means that DAVE is currently overvalued and has a potential downside of -7.74%.
Is DAVE a buy, sell or hold?
- Strong Buy: 6
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the DAVE price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 271.9 | 24.3% |
| Analysts Target Price | 271.9 | 24.3% |
| ValueRay Target Price | 223.7 | 2.3% |
Last update: 2025-09-10 10:00
DAVE Fundamental Data Overview
CCE Cash And Equivalents = 102.9m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 57.4497
P/E Forward = 18.8324
P/S = 6.7689
P/B = 12.1385
Beta = 3.945
Revenue TTM = 433.1m USD
EBIT TTM = 71.0m USD
EBITDA TTM = 78.4m USD
Long Term Debt = 75.0m USD (from longTermDebt, last quarter)
Short Term Debt = 210.0k USD (from shortTermDebt, last quarter)
Debt = 75.2m USD (Calculated: Short Term 210.0k + Long Term 75.0m)
Net Debt = 13.7m USD (from netDebt column, last quarter)
Enterprise Value = 2.90b USD (2.93b + Debt 75.2m - CCE 102.9m)
Interest Coverage Ratio = 9.68 (Ebit TTM 71.0m / Interest Expense TTM 7.34m)
FCF Yield = 6.68% (FCF TTM 193.9m / Enterprise Value 2.90b)
FCF Margin = 44.78% (FCF TTM 193.9m / Revenue TTM 433.1m)
Net Margin = 12.73% (Net Income TTM 55.1m / Revenue TTM 433.1m)
Gross Margin = 90.94% ((Revenue TTM 433.1m - Cost of Revenue TTM 39.3m) / Revenue TTM)
Tobins Q-Ratio = -25.36 (set to none) (Enterprise Value 2.90b / Book Value Of Equity -114.5m)
Interest Expense / Debt = 2.36% (Interest Expense 1.78m / Debt 75.2m)
Taxrate = 4.11% (2.48m / 60.4m)
NOPAT = 68.1m (EBIT 71.0m * (1 - 4.11%))
Current Ratio = 9.51 (Total Current Assets 346.4m / Total Current Liabilities 36.4m)
Debt / Equity = 0.35 (Debt 75.2m / last Quarter total Stockholder Equity 217.1m)
Debt / EBITDA = 0.96 (Net Debt 13.7m / EBITDA 78.4m)
Debt / FCF = 0.39 (Debt 75.2m / FCF TTM 193.9m)
Total Stockholder Equity = 188.9m (last 4 quarters mean)
RoA = 15.16% (Net Income 55.1m, Total Assets 363.6m )
RoE = 29.19% (Net Income TTM 55.1m / Total Stockholder Equity 188.9m)
RoCE = 26.93% (Ebit 71.0m / (Equity 188.9m + L.T.Debt 75.0m))
RoIC = 25.82% (NOPAT 68.1m / Invested Capital 263.9m)
WACC = 7.88% (E(2.93b)/V(3.01b) * Re(8.02%)) + (D(75.2m)/V(3.01b) * Rd(2.36%) * (1-Tc(0.04)))
Shares Correlation 3-Years: 96.97 | Cagr: 2.00%
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 73.83% ; FCFE base≈144.2m ; Y1≈111.0m ; Y5≈69.8m
Fair Price DCF = 108.3 (DCF Value 1.31b / Shares Outstanding 12.1m; 5y FCF grow -27.39% → 3.0% )
EPS Correlation: 98.58 | EPS CAGR: 286.9% | SUE: 2.99 | # QB: 4
Revenue Correlation: 96.95 | Revenue CAGR: 35.79% | SUE: 0.80 | # QB: 0
Additional Sources for DAVE Stock
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Fund Manager Positions: Dataroma | Stockcircle