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Company Analysis

Dave Inc. DAVE

A comprehensive view of key metrics, scores, and financial health for Dave Inc.

Overview of Dave Inc.

DAVE NGM
Technology Software - Application Framework: Software & SaaS Mid Cap
Dave Inc. (DAVE), is a Mid Cap company, in the Software - Application industry, last closed at $423.66, about 53.2% overvalued vs fair value, +76.4% 1Y return, placing in the top 25% of its sector.
Metrics P/E 16.4× Rev Growth 59.7% ROE 73.1% Gross Margin 86.7%
USD 423.66
-3.47%
(Delayed)
• Vol 90d: 65.9%
52-Week Range
Market Cap
$4.96B
Enterprise Value
$5.10B
Overall Score
View breakdown
Overall
Growth
Excellent
Profitability
Good
Health
Good
Efficiency
Good
Valuation
Good
Growth
Excellent
Profitability
Good
Health
Good
Efficiency
Good
Valuation
Good
Completeness: 70%
Confidence: 81%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://dave.com
HQ Los Angeles, CA
Employees 274
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$182
$198
$217
Current: $423.66 -53% vs base

Engine Room Money Flow™

Mid Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$554.2M
59.7%%
Gross Profit
$480.4M
70.4%%
Operating Income (GAAP)
$186.6M
439.2%%
Operating Cash Flow
$290.0M
131.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
86.7%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$43.7M
15.4% of FCF

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating Dave Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
80
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
66
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing DAVE's balance between Growth (34.8%), Profitability (37.1%), and Safety (28.1%). Growth 35% Safety 28% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

89th percentile vs peers
90
Key Signals
Rev Growth YoY 59.7% 90p Revenue CAGR 3Y 39.3% 90p Def Rev Growth 47.4% 87p EPS Growth YoY 2.23 90p
Strengths
  • Growth performance in top 20% of peers (percentile: 89)
  • Rev Growth YoY in top 20% of peers (59.7%, 90th percentile)
  • Revenue CAGR 3Y in top 20% of peers (39.3%, 90th percentile)
  • Def Rev Growth in top 20% of peers (47.4%, 87th percentile)
Risks

No significant risks identified for this axis.

Profitability

95th percentile vs peers
96
Key Signals
Strengths
Risks
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Safety

72th percentile vs peers
73
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Dave Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$198.28
- - -
-53.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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