Dave Inc
NASDAQ:DAVE

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Dave Inc
NASDAQ:DAVE
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Price: 82.42 USD 5.67% Market Closed
Market Cap: 1B USD
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Intrinsic Value

The intrinsic value of one DAVE stock under the Base Case scenario is 46.32 USD. Compared to the current market price of 82.42 USD, Dave Inc is Overvalued by 44%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

DAVE Intrinsic Value
46.32 USD
Overvaluation 44%
Intrinsic Value
Price
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Base Case
Best Case

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Dave Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Dave Inc

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Dave Inc

Current Assets 229.5m
Cash & Short-Term Investments 88.2m
Receivables 127.8m
Other Current Assets 13.6m
Non-Current Assets 17.7m
PP&E 1.6m
Intangibles 13.9m
Other Non-Current Assets 2.2m
Current Liabilities 26.5m
Accounts Payable 9.3m
Accrued Liabilities 10m
Other Current Liabilities 7.1m
Non-Current Liabilities 78.9m
Long-Term Debt 75m
Other Non-Current Liabilities 3.9m
Efficiency

Earnings Waterfall
Dave Inc

Revenue
292.7m USD
Operating Expenses
-290.4m USD
Operating Income
2.3m USD
Other Expenses
26.5m USD
Net Income
28.7m USD

Free Cash Flow Analysis
Dave Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

DAVE Profitability Score
Profitability Due Diligence

Dave Inc's profitability score is 33/100. The higher the profitability score, the more profitable the company is.

ROE is Increasing
ROIC is Increasing
Exceptional Revenue Growth Forecast
Exceptional ROE
33/100
Profitability
Score

Dave Inc's profitability score is 33/100. The higher the profitability score, the more profitable the company is.

DAVE Solvency Score
Solvency Due Diligence

Dave Inc's solvency score is 54/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
Low D/E
Long-Term Solvency
Average Altman Z-Score
54/100
Solvency
Score

Dave Inc's solvency score is 54/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

DAVE Price Targets Summary
Dave Inc

Wall Street analysts forecast DAVE stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for DAVE is 84.51 USD with a low forecast of 53.53 USD and a high forecast of 120.75 USD.

Lowest
Price Target
53.53 USD
35% Downside
Average
Price Target
84.51 USD
3% Upside
Highest
Price Target
120.75 USD
47% Upside
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Dividends

Dave Inc
does not pay dividends
Shareholder Yield

Current shareholder yield for DAVE is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
Buyback Yield
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Debt Paydown Yield
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Ownership

DAVE Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Dave Inc Logo
Dave Inc

Country

United States of America

Industry

Technology

Market Cap

1B USD

Dividend Yield

0%

Description

Dave, Inc. is a digital banking service. The company is headquartered in Los Angeles, California. The company went IPO on 2021-03-05. The firm provide its members a suite of financial software and services related to personal finance. The firm's personal financial management service enables Members to monitor their bank account balances to avoid overdraft fees and build budgets to assist in short-term financial planning. The firm product platform includes Insights, ExtraCash, Side Hustle, and Dave Banking. Insights is a tool that helps members understand their spending and savings habits and learn better financial management. The company offers cash advances through its flagship 0% interest ExtraCash product. The company also helps members generate extra income for spending or emergencies through its Side Hustle product. The firm offer a range of financial products and services through a single platform delivered via a mobile application.

Contact

CALIFORNIA
Los Angeles
1265 South Cochran Avenue, Suite 5200
+18448573283.0
www.dave.com

IPO

2021-03-05

Employees

-

Officers

Co-Founder, CEO, President & Chairman
Mr. Jason Wilk
CFO & Secretary
Mr. Kyle Beilman
Vice President of Technology
Gopi Kuchimanchi
Director of Compliance
Ms. Brittany Radice
Chief Legal Officer
Ms. Joan Aristei
Chief People Officer
Ms. Shannon Sullivan
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Head of Product Management
Mr. Grahame Fraser
Director & Corporate Controller
Mr. Ryan Imai
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See Also

Discover More
What is the Intrinsic Value of one DAVE stock?

The intrinsic value of one DAVE stock under the Base Case scenario is 46.32 USD.

Is DAVE stock undervalued or overvalued?

Compared to the current market price of 82.42 USD, Dave Inc is Overvalued by 44%.

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