Dave Inc.
Dave Inc. Fundamental Analysis
Dave Inc. (DAVE) shows strong financial fundamentals with a PE ratio of 16.14, profit margin of 29.87%, and ROE of 65.88%. The company generates $0.5B in annual revenue with strong year-over-year growth of 33.96%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 97.4/100 based on profitability, valuation, growth, and balance sheet metrics. The A grade reflects excellent fundamentals and strong overall stability.
Fundamental Health Score
We analyze DAVE's fundamental strength across five key dimensions:
Efficiency Score
ExcellentDAVE demonstrates superior asset utilization.
Valuation Score
ExcellentDAVE trades at attractive valuation levels.
Growth Score
ModerateDAVE shows steady but slowing expansion.
Financial Health Score
ExcellentDAVE maintains a strong and stable balance sheet.
Profitability Score
ExcellentDAVE achieves industry-leading margins.
Key Financial Metrics
Is DAVE Expensive or Cheap?
P/E Ratio
DAVE trades at 16.14 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, DAVE's PEG of 0.10 indicates potential undervaluation.
Price to Book
The market values Dave Inc. at 8.13 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 17.30 times EBITDA. This signals the market has high growth expectations.
How Well Does DAVE Make Money?
Net Profit Margin
For every $100 in sales, Dave Inc. keeps $29.87 as profit after all expenses.
Operating Margin
Core operations generate 29.13 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $65.88 in profit for every $100 of shareholder equity.
ROA
Dave Inc. generates $33.87 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Dave Inc. generates strong operating cash flow of $239.27M, reflecting robust business health.
Free Cash Flow
Dave Inc. generates strong free cash flow of $237.57M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $17.59 in free cash annually.
FCF Yield
DAVE converts 9.92% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.14
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.10
vs 25 benchmark
P/B Ratio
Price to book value ratio
8.13
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.84
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.26
vs 25 benchmark
Current Ratio
Current assets to current liabilities
8.69
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.66
vs 25 benchmark
ROA
Return on assets percentage
0.34
vs 25 benchmark
ROCE
Return on capital employed
0.37
vs 25 benchmark
How DAVE Stacks Against Its Sector Peers
| Metric | DAVE Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.14 | 35.19 | Better (Cheaper) |
| ROE | 65.88% | 1155.00% | Weak |
| Net Margin | 29.87% | -127067.00% (disorted) | Strong |
| Debt/Equity | 0.26 | 0.41 | Strong (Low Leverage) |
| Current Ratio | 8.69 | 4.71 | Strong Liquidity |
| ROA | 33.87% | -314918.00% (disorted) | Strong |
DAVE outperforms its industry in 5 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Dave Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
4.65%
Industry Style: Growth, Innovation, High Beta
GrowingEPS CAGR
1590.09%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
363.18%
Industry Style: Growth, Innovation, High Beta
High Growth