Dave Inc. (DAVE)
NASDAQ: DAVE · Real-Time Price · USD
84.55
-3.70 (-4.19%)
At close: Mar 28, 2025, 4:00 PM
84.01
-0.54 (-0.63%)
After-hours: Mar 28, 2025, 7:56 PM EDT

Dave Inc. Statistics

Total Valuation

Dave Inc. has a market cap or net worth of $1.11 billion. The enterprise value is $1.09 billion.

Market Cap 1.11B
Enterprise Value 1.09B

Important Dates

The last earnings date was Monday, March 3, 2025, after market close.

Earnings Date Mar 3, 2025
Ex-Dividend Date n/a

Share Statistics

Dave Inc. has 13.09 million shares outstanding. The number of shares has increased by 15.82% in one year.

Current Share Class 11.58M
Shares Outstanding 13.09M
Shares Change (YoY) +15.82%
Shares Change (QoQ) +3.95%
Owned by Insiders (%) 21.94%
Owned by Institutions (%) 62.53%
Float 8.33M

Valuation Ratios

The trailing PE ratio is 20.18 and the forward PE ratio is 25.90.

PE Ratio 20.18
Forward PE 25.90
PS Ratio 3.05
Forward PS 2.64
PB Ratio 6.01
P/TBV Ratio 6.53
P/FCF Ratio 8.87
P/OCF Ratio 8.85
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 30.87, with an EV/FCF ratio of 8.75.

EV / Earnings 18.88
EV / Sales 3.15
EV / EBITDA 30.87
EV / EBIT 31.56
EV / FCF 8.75

Financial Position

The company has a current ratio of 8.05, with a Debt / Equity ratio of 0.41.

Current Ratio 8.05
Quick Ratio 2.58
Debt / Equity 0.41
Debt / EBITDA 2.11
Debt / FCF 0.61
Interest Coverage 4.33

Financial Efficiency

Return on equity (ROE) is 42.84% and return on invested capital (ROIC) is 8.21%.

Return on Equity (ROE) 42.84%
Return on Assets (ROA) 7.29%
Return on Invested Capital (ROIC) 8.21%
Return on Capital Employed (ROCE) 13.10%
Revenue Per Employee $1.27M
Profits Per Employee $211,215
Employee Count 274
Asset Turnover 1.17
Inventory Turnover n/a

Taxes

In the past 12 months, Dave Inc. has paid $2.48 million in taxes.

Income Tax 2.48M
Effective Tax Rate 4.11%

Stock Price Statistics

The stock price has increased by +113.67% in the last 52 weeks. The beta is 3.53, so Dave Inc.'s price volatility has been higher than the market average.

Beta (5Y) 3.53
52-Week Price Change +113.67%
50-Day Moving Average 95.32
200-Day Moving Average 63.04
Relative Strength Index (RSI) 42.47
Average Volume (20 Days) 539,451

Short Selling Information

The latest short interest is 1.30 million, so 9.94% of the outstanding shares have been sold short.

Short Interest 1.30M
Short Previous Month 1.35M
Short % of Shares Out 9.94%
Short % of Float 15.63%
Short Ratio (days to cover) 1.57

Income Statement

In the last 12 months, Dave Inc. had revenue of $347.08 million and earned $57.87 million in profits. Earnings per share was $4.19.

Revenue 347.08M
Gross Profit 209.67M
Operating Income 34.61M
Pretax Income n/a
Net Income 57.87M
EBITDA 35.39M
EBIT 34.61M
Earnings Per Share (EPS) $4.19
Full Income Statement

Balance Sheet

The company has $90.29 million in cash and $75.55 million in debt, giving a net cash position of $14.73 million or $1.13 per share.

Cash & Cash Equivalents 90.29M
Total Debt 75.55M
Net Cash 14.73M
Net Cash Per Share $1.13
Equity (Book Value) 183.10M
Book Value Per Share 14.07
Working Capital 247.21M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $125.14 million and capital expenditures -$262,000, giving a free cash flow of $124.88 million.

Operating Cash Flow 125.14M
Capital Expenditures -262,000
Free Cash Flow 124.88M
FCF Per Share $9.54
Full Cash Flow Statement

Margins

Gross margin is 60.41%, with operating and profit margins of 9.97% and 16.67%.

Gross Margin 60.41%
Operating Margin 9.97%
Pretax Margin 17.39%
Profit Margin 16.67%
EBITDA Margin 10.20%
EBIT Margin 9.97%
FCF Margin 35.98%

Dividends & Yields

Dave Inc. does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -15.82%
Shareholder Yield -15.82%
Earnings Yield 5.23%
FCF Yield 11.28%

Analyst Forecast

The average price target for Dave Inc. is $119.14, which is 40.91% higher than the current price. The consensus rating is "Strong Buy".

Price Target $119.14
Price Target Difference 40.91%
Analyst Consensus Strong Buy
Analyst Count 7
Revenue Growth Forecast (5Y) 17.68%
EPS Growth Forecast (5Y) 26.53%
Stock Forecasts

Stock Splits

The last stock split was on January 6, 2023. It was a reverse split with a ratio of 0.03125:1.

Last Split Date Jan 6, 2023
Split Type Reverse
Split Ratio 0.03125:1

Scores

Dave Inc. has an Altman Z-Score of 4.53 and a Piotroski F-Score of 7.

Altman Z-Score 4.53
Piotroski F-Score 7