Dave Inc
NASDAQ:DAVE

Watchlist Manager
Dave Inc Logo
Dave Inc
NASDAQ:DAVE
Watchlist
Price: 37.975 USD 0.81%
Market Cap: 481.1m USD
Have any thoughts about
Dave Inc?
Write Note

Intrinsic Value

The intrinsic value of one DAVE stock under the Base Case scenario is 46.448 USD. Compared to the current market price of 37.975 USD, Dave Inc is Undervalued by 18%.

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

DAVE Intrinsic Value
46.448 USD
Undervaluation 18%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Dave Inc

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
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.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for DAVE cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about DAVE?
Bearish
Neutral
Bullish
Discover Undervalued Stocks
Technology Industry

Fundamental Analysis

Risks & Rewards

 

 

 

 

View All Risks & Rewards
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Notes
AI Assistant
AI Assistant
Ask me anything about Dave Inc

Provide an overview of the primary business activities
of Dave Inc.

What unique competitive advantages
does Dave Inc hold over its rivals?

What risks and challenges
does Dave Inc face in the near future?

Has there been any significant insider trading activity
in Dave Inc recently?

Summarize the latest earnings call
of Dave Inc.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Dave Inc.

Provide P/S
for Dave Inc.

Provide P/E
for Dave Inc.

Provide P/OCF
for Dave Inc.

Provide P/FCFE
for Dave Inc.

Provide P/B
for Dave Inc.

Provide EV/S
for Dave Inc.

Provide EV/GP
for Dave Inc.

Provide EV/EBITDA
for Dave Inc.

Provide EV/EBIT
for Dave Inc.

Provide EV/OCF
for Dave Inc.

Provide EV/FCFF
for Dave Inc.

Provide EV/IC
for Dave Inc.

Show me price targets
for Dave Inc made by professional analysts.

What are the Revenue projections
for Dave Inc?

How accurate were the past Revenue estimates
for Dave Inc?

What are the Net Income projections
for Dave Inc?

How accurate were the past Net Income estimates
for Dave Inc?

What are the EPS projections
for Dave Inc?

How accurate were the past EPS estimates
for Dave Inc?

What are the EBIT projections
for Dave Inc?

How accurate were the past EBIT estimates
for Dave Inc?

Compare the revenue forecasts
for Dave Inc with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Dave Inc and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Dave Inc against its competitors.

Analyze the profit margins
(gross, operating, and net) of Dave Inc compared to its peers.

Compare the P/E ratios
of Dave Inc against its peers.

Discuss the investment returns and shareholder value creation
comparing Dave Inc with its peers.

Analyze the financial leverage
of Dave Inc compared to its main competitors.

Show all profitability ratios
for Dave Inc.

Provide ROE
for Dave Inc.

Provide ROA
for Dave Inc.

Provide ROIC
for Dave Inc.

Provide ROCE
for Dave Inc.

Provide Gross Margin
for Dave Inc.

Provide Operating Margin
for Dave Inc.

Provide Net Margin
for Dave Inc.

Provide FCF Margin
for Dave Inc.

Show all solvency ratios
for Dave Inc.

Provide D/E Ratio
for Dave Inc.

Provide D/A Ratio
for Dave Inc.

Provide Interest Coverage Ratio
for Dave Inc.

Provide Altman Z-Score Ratio
for Dave Inc.

Provide Quick Ratio
for Dave Inc.

Provide Current Ratio
for Dave Inc.

Provide Cash Ratio
for Dave Inc.

What is the historical Revenue growth
over the last 5 years for Dave Inc?

What is the historical Net Income growth
over the last 5 years for Dave Inc?

What is the current Free Cash Flow
of Dave Inc?

Discuss the annual earnings per share (EPS)
trend over the past five years for Dave Inc.

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
Earnings Calls

Dave Inc. reported a robust 31% year-over-year revenue growth in Q2 2024, reaching $80.1 million. The company significantly improved its profitability, achieving a record adjusted EBITDA of $15.2 million. This marks the third consecutive quarter of revenue growth and the fifth quarter of reduced operating expenses. Dave's monthly transacting members increased by 18% to 2.3 million, driven by effective member acquisition and retention strategies. As a result, the company raised its revenue guidance for the year to a range of $310 million to $325 million and adjusted EBITDA guidance to $40 million-$50 million. Continued demand and an optimized cash AI underwriting engine contributed to these positive outcomes.

What is Earnings Call?
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 63.094 USD with a low forecast of 53.53 USD and a high forecast of 78.75 USD.

Lowest
Price Target
53.53 USD
41% Upside
Average
Price Target
63.094 USD
66% Upside
Highest
Price Target
78.75 USD
107% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for DAVE?

Click here to dive deeper.

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
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

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
Why is insider trading important?

Profile

Dave Inc Logo
Dave Inc

Country

United States of America

Industry

Technology

Market Cap

475.2m 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
Show More
Head of Product Management
Mr. Grahame Fraser
Director & Corporate Controller
Mr. Ryan Imai
Show Less

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 46.448 USD.

Is DAVE stock undervalued or overvalued?

Compared to the current market price of 37.975 USD, Dave Inc is Undervalued by 18%.

Back to Top