Dave Inc.

Total Valuation

Dave Inc. carries a market capitalization of 5.12B, placing it among publicly traded companies globally. Its enterprise value stands at 4.79B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Share Statistics

Dave Inc. currently has 12.80M shares outstanding.

Valuation Ratios

Dave Inc. trades at a trailing price-to-earnings ratio of 22.22. The price-to-sales ratio is 7.69, and the price-to-book ratio stands at 22.95.

Enterprise Valuation

On an enterprise value basis, Dave Inc. trades at an EV/EBITDA multiple of 20.82 and an EV/FCF ratio of 13.97. The EV/Sales ratio of 7.43 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 21.54 provides insight into valuation relative to core operating earnings.

Financial Position

Dave Inc. maintains a current ratio of 4.22, meaning it holds 4.2x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 129.14, indicating elevated leverage, while an interest coverage ratio of 31.67 demonstrates strong ability to service its debt obligations.

Financial Efficiency

Taxes

Over the trailing twelve months, Dave Inc. has paid -15.15M in income taxes, reflecting an effective tax rate of 71.84.

Stock Price Statistics

Dave Inc.'s stock has gained approximately 94.63674% over the past 52 weeks. The 50-day moving average sits at 377.23, while the 200-day moving average is 259.03.

Income Statement

Over the trailing twelve months, Dave Inc. generated 643.65M in revenue and converted that into 222.64M in net income, yielding earnings per share of 15.61. EBITDA reached 229.85M, while operating income came in at 222.20M.

Balance Sheet

Dave Inc. holds 254.07M in cash and equivalents against 268.47M in total debt, resulting in a net debt position of 58.52M. Total book value stands at 207.89M, with working capital of 396.17M providing operational flexibility.

Cash Flow

Dave Inc. produced 326.95M in operating cash flow over the past twelve months. After subtracting -7.75M in capital expenditures, free cash flow totaled 319.19M - equivalent to 24.04 per share.

Margins

Dave Inc. operates with a gross margin of 87.17, reflecting its pricing power and cost economics. The operating margin of 34.52 and net profit margin of 34.59 provide insight into operational efficiency.

Dividends & Yields

Stock Splits

Dave Inc.'s most recent stock split took place on January 6, 2023 with a 32:1 split ratio.

Scores

Dave Inc. posts an Altman Z-Score of 11.49, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.