Dave Inc. Statistics
Total Valuation
Dave Inc. has a market cap or net worth of $1.12 billion. The enterprise value is $1.11 billion.
| Market Cap | 1.12B |
| Enterprise Value | 1.11B |
Important Dates
The next estimated earnings date is Tuesday, May 6, 2025, before market open.
| Earnings Date | May 6, 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 (%) | 21.58% |
| Owned by Institutions (%) | 62.80% |
| Float | 8.37M |
Valuation Ratios
The trailing PE ratio is 20.50 and the forward PE ratio is 24.99.
| PE Ratio | 20.50 |
| Forward PE | 24.99 |
| PS Ratio | 3.10 |
| Forward PS | 2.68 |
| PB Ratio | 6.11 |
| P/TBV Ratio | 6.64 |
| P/FCF Ratio | 9.01 |
| P/OCF Ratio | 8.99 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 31.37, with an EV/FCF ratio of 8.89.
| EV / Earnings | 19.18 |
| EV / Sales | 3.20 |
| EV / EBITDA | 31.37 |
| EV / EBIT | 32.08 |
| EV / FCF | 8.89 |
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 +139.29% in the last 52 weeks. The beta is 3.52, so Dave Inc.'s price volatility has been higher than the market average.
| Beta (5Y) | 3.52 |
| 52-Week Price Change | +139.29% |
| 50-Day Moving Average | 90.50 |
| 200-Day Moving Average | 67.06 |
| Relative Strength Index (RSI) | 51.38 |
| Average Volume (20 Days) | 399,605 |
Short Selling Information
The latest short interest is 994,895, so 7.60% of the outstanding shares have been sold short.
| Short Interest | 994,895 |
| Short Previous Month | 1.00M |
| Short % of Shares Out | 7.60% |
| Short % of Float | 11.88% |
| Short Ratio (days to cover) | 1.80 |
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 |
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 |
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 |
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 | 5.14% |
| FCF Yield | 11.10% |
Analyst Forecast
The average price target for Dave Inc. is $117.71, which is 35.81% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $117.71 |
| Price Target Difference | 35.81% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (5Y) | 17.68% |
| EPS Growth Forecast (5Y) | 26.53% |
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 |