DAVE Valuation

Dave Inc

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227.800

+9.11(4.166%)1D

Overview
Forecast
Valuation
Earnings

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 Overvalued zone, suggesting that its current forward PS ratio of 5.41 is considered Overvalued compared with the five-year average of -32.34. The fair price of Dave Inc (DAVE) is between 106.73 to 210.94 according to relative valuation methord. Compared to the current price of 227.80 USD , Dave Inc is Overvalued By 7.99%.

Relative Value

Fair Zone

106.73-210.94

Current Price：227.80

7.99%

Overvalued

28.27

Trailing

Forward

15.02

EV/EBITDA

Dave Inc. (DAVE) has a current EV/EBITDA of 15.02. The 5-year average EV/EBITDA is 1.29. The thresholds are as follows: Strongly Undervalued below -25.83, Undervalued between -25.83 and -12.27, Fairly Valued between 14.85 and -12.27, Overvalued between 14.85 and 28.41, and Strongly Overvalued above 28.41. The current Forward EV/EBITDA of 15.02 falls within the Overvalued range.

18.99

EV/EBIT

Dave Inc. (DAVE) has a current EV/EBIT of 18.99. The 5-year average EV/EBIT is 13.74. The thresholds are as follows: Strongly Undervalued below -41.03, Undervalued between -41.03 and -13.65, Fairly Valued between 41.13 and -13.65, Overvalued between 41.13 and 68.51, and Strongly Overvalued above 68.51. The current Forward EV/EBIT of 18.99 falls within the Historic Trend Line -Fairly Valued range.

5.41

Dave Inc. (DAVE) has a current PS of 5.41. The 5-year average PS is 2.22. The thresholds are as follows: Strongly Undervalued below -4.86, Undervalued between -4.86 and -1.32, Fairly Valued between 5.76 and -1.32, Overvalued between 5.76 and 9.29, and Strongly Overvalued above 9.29. The current Forward PS of 5.41 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 5.02. The thresholds are as follows: Strongly Undervalued below -12.38, Undervalued between -12.38 and -3.68, Fairly Valued between 13.72 and -3.68, Overvalued between 13.72 and 22.42, and Strongly Overvalued above 22.42. 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 5.97. The thresholds are as follows: Strongly Undervalued below -14.57, Undervalued between -14.57 and -4.30, Fairly Valued between 16.23 and -4.30, Overvalued between 16.23 and 26.50, and Strongly Overvalued above 26.50. 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 13.60. Compared to its 3-year average P/B ratio of 3.97 , the current P/B ratio is approximately 242.24% higher. Relative to its 5-year average P/B ratio of -195.98, the current P/B ratio is about -106.94% higher. Dave Inc (DAVE) has a Forward Free Cash Flow (FCF) yield of approximately 6.50%. Compared to its 3-year average FCF yield of -6.33%, the current FCF yield is approximately -202.79% lower. Relative to its 5-year average FCF yield of -4.13% , the current FCF yield is about -257.51% lower.

14.16

P/B

Median3y

3.97

Median5y

-195.98

6.50

FCF Yield

Median3y

-6.33

Median5y

-4.13

Competitors Valuation Multiple

The average P/S ratio for DAVE's competitors is 3.96, providing a benchmark for relative valuation. Dave Inc Corp (DAVE) exhibits a P/S ratio of 5.41, which is 36.41% above the industry average. Given its robust revenue growth of 64.46%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Community Financial System Inc

Simmons First National Corp

Performance Decomposition

Market capitalization of DAVE increased by 470.07% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 11.42 to 59.27.

The secondary factor is the Revenue Growth, contributed 64.46%to the performance.

Overall, the performance of DAVE in the past 1 year is driven by P/E Change. Which is more unsustainable.

64.46%

80.12M → 131.76M

Revenue Growth

-13.60%

7.94 → 6.86

Margin Expansion

419.21%

11.42 → 59.27

P/E Change

470.07%