Dave Inc.
NASDAQTotal Valuation
Dave Inc. carries a market capitalization of 5.64B, placing it among publicly traded companies globally. Its enterprise value stands at 92.28M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 5.64B |
| Enterprise Value | 92.28M |
Share Statistics
Dave Inc. currently has 12.71M shares outstanding.
| Shares Outstanding | 12.71M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Enterprise Valuation
On an enterprise value basis, Dave Inc. trades at an EV/EBITDA multiple of 0.42 and an EV/FCF ratio of 0.27. The EV/Sales ratio of 0.15 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 0.44 provides insight into valuation relative to core operating earnings.
| EV / Sales | 0.15 |
| EV / EBITDA | 0.42 |
| EV / EBIT | 0.44 |
| EV / FCF | 0.27 |
Financial Position
Dave Inc. maintains a current ratio of 3.86, meaning it holds 3.9x the short-term assets needed to cover near-term liabilities. The debt-to-equity ratio is 131.61, indicating elevated leverage, while an interest coverage ratio of 31.12 demonstrates strong ability to service its debt obligations.
| Current Ratio | 3.86 |
| Quick Ratio | 3.66 |
| Debt / Equity | 131.61 |
| Debt / EBITDA | 1.23 |
| Interest Coverage | 31.12 |
Financial Efficiency
| Return on Equity (ROE) | N/A |
| Return on Assets (ROA) | 53.18 |
| Return on Invested Capital (ROIC) | 35.93 |
| Return on Capital Employed (ROCE) | 61.41 |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Dave Inc. has paid -20.67M in income taxes, reflecting an effective tax rate of 38.87.
| Income Tax | -20.67M |
| Effective Tax Rate | 38.87 |
Stock Price Statistics
Dave Inc.'s stock has gained approximately 35.14851% over the past 52 weeks. The 50-day moving average sits at 1.06, while the 200-day moving average is 0.86.
| Beta (5Y) | N/A |
| 52-Week Price Change | 35.14851% |
| 50-Day Moving Average | 1.06 |
| 200-Day Moving Average | 0.86 |
| Average Volume (20 Days) | N/A |
Income Statement
EBITDA reached 218.26M, while operating income came in at 211.04M.
| Revenue | 604.62M |
| Gross Profit | 526.88M |
| Operating Income | 211.04M |
| Pretax Income | 204.32M |
| Net Income | 224.99M |
| EBITDA | 218.26M |
| EBIT | 211.04M |
| Earnings Per Share (EPS) | N/A |
Balance Sheet
Dave Inc. holds 175.93M in cash and equivalents against 268.21M in total debt, resulting in a net debt position of 134.45M. Total book value stands at 101.36M, with working capital of 355.28M providing operational flexibility.
| Cash & Cash Equivalents | 175.93M |
| Total Debt | 268.21M |
| Net Debt | 134.45M |
| Equity (Book Value) | 101.36M |
| Book Value Per Share | N/A |
| Working Capital | 355.28M |
Cash Flow
Dave Inc. produced 326.80M in operating cash flow over the past twelve months.
| Operating Cash Flow | 326.80M |
| Capital Expenditures | -6.93M |
| Free Cash Flow | 319.87M |
| FCF Per Share | N/A |
Margins
Dave Inc. operates with a gross margin of 87.14, reflecting its pricing power and cost economics. The operating margin of 34.90 and net profit margin of 37.21 provide insight into operational efficiency.
| Gross Margin | 87.14 |
| Operating Margin | 34.90 |
| Pretax Margin | 33.79 |
| Profit Margin | 37.21 |
| EBITDA Margin | 36.10 |
Scores
Dave Inc. posts an Altman Z-Score of 3.62, well above the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 3.62 |