DAVE PE Ratio & Valuation,Is DAVE Overvalued

DAVE Relative Valuation

DAVE's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, DAVE is overvalued; if below, it's undervalued.

Historical Valuation

Dave Inc (DAVE) is now in the Fair zone, suggesting that its current forward PS ratio of 4.34 is considered Fairly compared with the five-year average of -29.58. The fair price of Dave Inc (DAVE) is between 149.31 to 241.83 according to relative valuation methord.

Relative Value

Fair Zone

149.31-241.83

Current Price：197.61

Fair

17.75

11.06

EV/EBITDA

Dave Inc. (DAVE) has a current EV/EBITDA of 11.06. The 5-year average EV/EBITDA is 1.87. The thresholds are as follows: Strongly Undervalued below -25.00, Undervalued between -25.00 and -11.56, Fairly Valued between 15.30 and -11.56, Overvalued between 15.30 and 28.73, and Strongly Overvalued above 28.73. The current Forward EV/EBITDA of 11.06 falls within the Historic Trend Line -Fairly Valued range.

12.59

EV/EBIT

Dave Inc. (DAVE) has a current EV/EBIT of 12.59. The 5-year average EV/EBIT is 13.76. The thresholds are as follows: Strongly Undervalued below -39.56, Undervalued between -39.56 and -12.90, Fairly Valued between 40.43 and -12.90, Overvalued between 40.43 and 67.09, and Strongly Overvalued above 67.09. The current Forward EV/EBIT of 12.59 falls within the Historic Trend Line -Fairly Valued range.

4.34

Dave Inc. (DAVE) has a current PS of 4.34. The 5-year average PS is 2.35. The thresholds are as follows: Strongly Undervalued below -4.64, Undervalued between -4.64 and -1.14, Fairly Valued between 5.85 and -1.14, Overvalued between 5.85 and 9.34, and Strongly Overvalued above 9.34. The current Forward PS of 4.34 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Dave Inc. (DAVE) has a current P/OCF of 0.00. The 5-year average P/OCF is 4.76. The thresholds are as follows: Strongly Undervalued below -12.33, Undervalued between -12.33 and -3.78, Fairly Valued between 13.30 and -3.78, Overvalued between 13.30 and 21.84, and Strongly Overvalued above 21.84. The current Forward P/OCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Dave Inc. (DAVE) has a current P/FCF of 0.00. The 5-year average P/FCF is 5.65. The thresholds are as follows: Strongly Undervalued below -14.52, Undervalued between -14.52 and -4.43, Fairly Valued between 15.74 and -4.43, Overvalued between 15.74 and 25.82, and Strongly Overvalued above 25.82. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

Dave Inc (DAVE) has a current Price-to-Book (P/B) ratio of 9.16. Compared to its 3-year average P/B ratio of 4.76 , the current P/B ratio is approximately 92.51% higher. Relative to its 5-year average P/B ratio of -184.97, the current P/B ratio is about -104.95% higher. Dave Inc (DAVE) has a Forward Free Cash Flow (FCF) yield of approximately 8.93%. Compared to its 3-year average FCF yield of -2.85%, the current FCF yield is approximately -412.93% lower. Relative to its 5-year average FCF yield of -3.48% , the current FCF yield is about -356.37% lower.

9.16

P/B

Median3y

4.76

Median5y

-184.97

8.93

FCF Yield

Median3y

-2.85

Median5y

-3.48

Competitors Valuation Multiple

The average P/S ratio for DAVE's competitors is 3.31, providing a benchmark for relative valuation. Dave Inc Corp (DAVE) exhibits a P/S ratio of 4.34, which is 31.08% above the industry average. Given its robust revenue growth of 62.97%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of DAVE increased by 127.35% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 0.50 to 61.09.

The secondary factor is the Revenue Growth, contributed 62.97%to the performance.

Overall, the performance of DAVE in the past 1 year is driven by Margin Expansion. Which is more sustainable.

62.97%

92.49M → 150.73M

Revenue Growth

12118.00%

0.50 → 61.09

Margin Expansion

-12053.62%

-0.16 → 19.53

P/E Change

127.35%

86.92 → 197.61

Mkt Cap Growth

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Frequently Asked Questions

Is Dave Inc (DAVE) currently overvalued or undervalued?

What is Dave Inc (DAVE) fair value?

DAVE's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Dave Inc (DAVE) is between 149.31 to 241.83 according to relative valuation methord.

How does DAVE's valuation metrics compare to the industry average?

What is the current P/B ratio for Dave Inc (DAVE) as of Dec 15 2025?

As of Dec 15 2025, Dave Inc (DAVE) has a P/B ratio of 9.16. This indicates that the market values DAVE at 9.16 times its book value.

What is the current FCF Yield for Dave Inc (DAVE) as of Dec 15 2025?

As of Dec 15 2025, Dave Inc (DAVE) has a FCF Yield of 8.93%. This means that for every dollar of Dave Inc’s market capitalization, the company generates 8.93 cents in free cash flow.

What is the current Forward P/E ratio for Dave Inc (DAVE) as of Dec 15 2025?

As of Dec 15 2025, Dave Inc (DAVE) has a Forward P/E ratio of 17.75. This means the market is willing to pay $17.75 for every dollar of Dave Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Dave Inc (DAVE) as of Dec 15 2025?

As of Dec 15 2025, Dave Inc (DAVE) has a Forward P/S ratio of 4.34. This means the market is valuing DAVE at $4.34 for every dollar of expected revenue over the next 12 months.

DAVE Valuation