Financials Dave A Nasdaq

Equities

DAVE

US23834J1025

Financial Technology (Fintech)

Real-time Estimate Cboe BZX 18:46:10 27/06/2024 BST 5-day change 1st Jan Change
28.78 USD -5.87% Intraday chart for Dave A -19.88% +254.20%

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 325.1 109.7 101.1 377.3 -
Enterprise Value (EV) 1 325.1 109.7 101.1 377.3 377.3
P/E ratio -51.3 x -26.7 x -2.06 x 14.2 x 47 x
Yield - - - - -
Capitalization / Revenue - 0.54 x - 1.19 x 0.99 x
EV / Revenue - 0.54 x - 1.19 x 0.99 x
EV / EBITDA - - - 10.7 x 7.4 x
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book - - - - -
Nbr of stocks (in thousands) 991 11,816 12,052 12,337 -
Reference price 2 328.0 9.280 8.385 30.58 30.58
Announcement Date 21/03/22 06/03/23 05/03/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2021 2022 2023 2024 2025
Net sales 1 - 204.8 - 317.7 379.4
EBITDA 1 - - - 35.32 50.98
EBIT 1 - -134.4 - 5.6 15.6
Operating Margin - -65.62% - 1.76% 4.11%
Earnings before Tax (EBT) 1 - -129 - 30.43 9.3
Net income 1 -20 -128.9 -48.52 28.33 8.633
Net margin - -62.94% - 8.92% 2.28%
EPS 2 -6.400 -0.3475 -4.070 2.157 0.6500
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - -
Announcement Date 21/03/22 06/03/23 05/03/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 42.6 45.8 56.8 59.6 58.93 61.2 - 73.63 75.5 80.35 88.2 86.82 91
EBITDA 1 -18.3 -28.5 -27.5 -11.8 -4.526 -13.1 - 13.18 4.9 7.125 10.1 12.37 9.5
EBIT 1 - -53.02 -37.9 -19.9 -12.48 -21 - 5.399 -1.733 -0.5 2.433 3.567 0.6333
Operating Margin - -115.75% -66.73% -33.39% -21.18% -34.31% - 7.33% -2.3% -0.62% 2.76% 4.11% 0.7%
Earnings before Tax (EBT) 1 -34.8 -27.1 -47.5 -21.6 -14.02 - - 37.45 -4.9 -2.433 0.3333 -0.2 -0.95
Net income 1 -34.8 -27.1 -47.5 -21.5 -14.02 -22.6 -12.05 34.24 -4.267 -2.1 0.4333 0.35 -0.7
Net margin -81.69% -59.17% -83.63% -36.07% -23.8% -36.93% - 46.51% -5.65% -2.61% 0.49% 0.4% -0.77%
EPS 2 -3.200 -2.240 -4.160 -0.0475 -1.190 -1.900 -1.010 2.600 -0.3200 -0.1533 0.0367 0.0500 -0.0450
Dividend per Share - - - - - - - - - - - - -
Announcement Date 11/05/22 12/08/22 10/11/22 06/03/23 09/05/23 08/08/23 07/11/23 07/05/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2021 2022 2023 2024 2025
Net Debt - - - - -
Net Cash position - - - - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - - - - -
ROA (Net income/ Total Assets) - - - - -
Assets 1 - - - - -
Book Value Per Share - - - - -
Cash Flow per Share - - - - -
Capex - - - - -
Capex / Sales - - - - -
Announcement Date 21/03/22 06/03/23 05/03/24 - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
4
Last Close Price
30.58 USD
Average target price
64.5 USD
Spread / Average Target
+110.92%
Consensus