Financials Dave Inc.

Equities

DAVE

US23834J2015

Financial Technology (Fintech)

End-of-day quote Nasdaq 23:00:00 07/05/2024 BST 5-day change 1st Jan Change
50.78 USD -2.91% Intraday chart for Dave Inc. +12.92% +505.61%

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 325.1 109.7 101.1 628.8 -
Enterprise Value (EV) 1 325.1 109.7 101.1 628.8 628.8
P/E ratio -51.3 x -26.7 x -2.06 x 24.4 x -231 x
Yield - - - - -
Capitalization / Revenue - 0.54 x - 2.02 x 1.72 x
EV / Revenue - 0.54 x - 2.02 x 1.72 x
EV / EBITDA - - - 18.3 x 13 x
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book - - - - -
Nbr of stocks (in thousands) 991 11,816 12,052 12,383 -
Reference price 2 328.0 9.280 8.385 50.78 50.78
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 - 310.6 366.5
EBITDA 1 - - - 34.4 48.5
EBIT 1 - -134.4 - -8.6 3.2
Operating Margin - -65.62% - -2.77% 0.87%
Earnings before Tax (EBT) 1 - -129 - 28 -4
Net income 1 -20 -128.9 -48.52 27 -3
Net margin - -62.94% - 8.69% -0.82%
EPS 2 -6.400 -0.3475 -4.070 2.080 -0.2200
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
Net sales 1 42.6 45.8 56.8 59.6 58.93 61.2 - 73.63 74.6 79 83.3 82.45
EBITDA 1 -18.3 -28.5 -27.5 -11.8 -4.526 -13.1 - 13.18 5.7 7.1 7.8 4.4
EBIT 1 - -53.02 -37.9 -19.9 -12.48 -21 - 5.399 -2.5 -1.1 - -4.2
Operating Margin - -115.75% -66.73% -33.39% -21.18% -34.31% - 7.33% -3.35% -1.39% - -5.09%
Earnings before Tax (EBT) 1 -34.8 -27.1 -47.5 -21.6 -14.02 - - 37.45 -4.3 -2.9 -2.2 -7.8
Net income 1 -34.8 -27.1 -47.5 -21.5 -14.02 -22.6 -12.05 34.24 -3.3 -2.3 -1.7 -6
Net margin -81.69% -59.17% -83.63% -36.07% -23.8% -36.93% - 46.51% -4.42% -2.91% -2.04% -7.28%
EPS 2 -3.200 -2.240 -4.160 -0.0475 -1.190 -1.900 -1.010 2.600 -0.2400 -0.1600 -0.1200 -0.4100
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
OUTPERFORM
Number of Analysts
2
Last Close Price
50.78 USD
Average target price
70 USD
Spread / Average Target
+37.85%
Consensus