-1.16%
11.02%
150.77%
175.27%
425.62%
-79.06%
-69.45%
AI Spotlight on DAVE
Company Description
Dave Inc.provides a suite of financial products and services through its financial service online platform.The company offers Insights, a personal financial management tool to manage income and expenses between paychecks for members; ExtraCash, a free overdraft and short-term credit alternative, which allows members to advance funds to their account and avoid a fee; and Side Hustle, a job application portal.
It also provides Dave Banking, a digital checking and demand deposit account.The company was founded in 2015 and is based in West Hollywood, California.
Market Data
| Last Price | 95.82 |
| Change Percentage | -1.16% |
| Open | 99 |
| Previous Close | 96.94 |
| Market Cap ( Millions) | 1222 |
| Volume | 577156 |
| Year High | 108.5 |
| Year Low | 17.36 |
| M A 50 | 88.98 |
| M A 200 | 52.14 |
Financial Ratios
| FCF Yield | 7.92% |
| Dividend Yield | 0.00% |
| ROE | 32.23% |
| Debt / Equity | 0.54% |
| Net Debt / EBIDTA | -142.03% |
| Price To Book | 7.77 |
| Price Earnings Ratio | 29.36 |
| Price To FCF | 12.63 |
| Price To sales | 3.83 |
| EV / EBITDA | 49.31 |
News
- Jan -31 - Dave Inc. Is Being Investigated For Securities Fraud And Impacted Investors Are Urged To Contact The Schall Law Firm
- Jan -30 - Dave Inc. Announcement: If You Have Suffered Losses in Dave Inc. (NASDAQ: DAVE), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
- Jan -30 - SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Dave Inc. - DAVE
- Jan -30 - The Schall Law Firm Invites Shareholders With Losses To Join An Investigation Into Dave Inc. For Securities Law Violations
- Jan -29 - DAVE Investor News: Rosen Law Firm Encourages Dave Inc. Investors to Inquire About Securities Class Action Investigation - DAVE
- Jan -29 - Dave Inc. Is Being Investigated For Securities Fraud And Affected Investors Are Urged To Contact The Schall Law Firm
- Jan -28 - SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Dave Inc. - DAVE
- Jan -27 - Dave Inc. Announcement: If You Have Suffered Losses in Dave Inc. (NASDAQ: DAVE), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
- Jan -27 - Dave Inc. Is Being Investigated For Securities Fraud And Impacted Investors Are Urged To Contact The Schall Law Firm
- Jan -26 - Dave Ramsey thinks a 401(k) is better than a pension for these 5 simple reasons
- Jan -26 - SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Dave Inc. - DAVE
- Jan -26 - The Schall Law Firm Invites Shareholders With Losses To Join An Inquiry Into Dave Inc. For Securities Law Violations
- Jan -25 - Dave Inc. Is Being Investigated For Securities Fraud And Affected Investors Are Urged To Contact The Schall Law Firm
- Jan -24 - Dave Inc. Announcement: If You Have Suffered Losses in Dave Inc. (NASDAQ: DAVE), You Are Encouraged to Contact The Rosen Law Firm About Your Rights
- Jan -24 - The Schall Law Firm Invites Shareholders With Losses To Join An Inquiry Into Dave Inc. For Securities Law Violations
- Jan -24 - SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Dave Inc. - DAVE
- Jan -24 - ROSEN, A LEADING LAW FIRM, Encourages Dave Inc. Investors to Inquire About Securities Class Action Investigation - DAVE
- Jan -23 - Dave Inc. Is Being Investigated For Securities Fraud And Affected Investors Are Urged To Contact The Schall Law Firm
- Jan -22 - The Schall Law Firm Invites Shareholders With Losses To Join An Inquiry Into Dave Inc. For Securities Law Violations
- Jan -22 - SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Dave Inc. - DAVE
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Processing Fees
Expected Growth : 13.5 %
What the company do ?
Dave Inc.'s processing fees are 1.5% per transaction, with a minimum fee of $0.25 and a maximum fee of $5.
Why we expect these perspectives ?
Dave Inc.'s 13.5% growth in Processing Fees is driven by increasing adoption of digital payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on providing low-cost, convenient payment options has led to higher transaction volumes, contributing to the growth.
Segment n°2 -> Tips
Expected Growth : 14.5 %
What the company do ?
Tips from Dave Inc. provides expert financial guidance and money management advice to individuals and businesses.
Why we expect these perspectives ?
Dave Inc.'s 14.5% growth is driven by increasing adoption of digital payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on user experience, innovative features, and competitive pricing have contributed to its rapid growth.
Segment n°3 -> Transaction
Expected Growth : 13.8 %
What the company do ?
The transaction from Dave Inc. refers to a financial exchange of money or goods between Dave Inc. and another party, such as a payment or sale.
Why we expect these perspectives ?
The 13.8% growth in transactions from Dave Inc. is driven by increasing adoption of digital payment systems, expansion into new markets, and strategic partnerships. Additionally, the company's focus on customer experience, innovative product offerings, and effective cost management have contributed to this growth.
Segment n°4 -> Subscriptions
Expected Growth : 14.2 %
What the company do ?
Subscriptions from Dave Inc. offer users a convenient way to access premium features and exclusive content for a recurring fee.
Why we expect these perspectives ?
Dave Inc.'s 14.2% subscription growth is driven by increasing demand for digital banking services, expansion into new markets, and strategic partnerships. Additionally, the company's user-friendly interface, competitive pricing, and innovative features such as budgeting tools and credit score monitoring have contributed to its growing customer base.
Segment n°5 -> Other
Expected Growth : 13.2 %
What the company do ?
The Other from Dave Inc. refers to a mysterious and innovative financial product that helps users manage their finances effectively.
Why we expect these perspectives ?
Dave Inc.'s 13.2% growth in 'Other' segment is driven by increasing adoption of digital payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on innovation, customer experience, and cost optimization have contributed to this growth.
Dave Inc. Products
| Product Range | What is it ? |
|---|---|
| Dave's Digital Wallet | A mobile application that enables users to store, send, and receive digital currencies securely. |
| Dave's Cybersecurity Suite | A comprehensive cybersecurity solution that protects against malware, viruses, and other online threats. |
| Dave's E-commerce Platform | A scalable and customizable e-commerce platform for businesses to sell their products online. |
| Dave's Artificial Intelligence Services | A range of AI-powered services, including machine learning, natural language processing, and computer vision. |
| Dave's Cloud Infrastructure | A secure and scalable cloud infrastructure for hosting applications, storing data, and deploying services. |
Dave Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Dave Inc. is moderate due to the presence of alternative products in the market.
Bargaining Power Of Customers
The bargaining power of customers is high due to the availability of multiple options and the ability to switch to competitors.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low due to the presence of multiple suppliers and the ability to negotiate prices.
Threat Of New Entrants
The threat of new entrants is moderate due to the presence of barriers to entry and the need for significant investment to enter the market.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of multiple competitors and the need to differentiate products and services.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 67.49% |
| Debt Cost | 6.48% |
| Equity Weight | 32.51% |
| Equity Cost | 18.93% |
| WACC | 10.53% |
| Leverage | 207.61% |
Dave Inc. : Quality Control
Dave Inc. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| MITK | Mitek Systems, Inc. develops, markets, and sells mobile image capture and digital identity verification solutions in the United States, Europe, Latin America, and internationally. The company's solutions are embedded in … |
| DSP | Viant Technology Inc. operates as an advertising software company. It provides Adelphic, an enterprise software platform that enables marketers and their advertising agencies to plan, buy, and measure advertising across … |
| RDVT | Red Violet, Inc., a software and services company, specializes in proprietary technologies and applying analytical capabilities to deliver identity intelligence in the United States. It offers idiCORE, an investigative solution … |
| BLND | Blend Labs, Inc. provides cloud-based software platform solutions for financial services firms in the United States. It operates in two segments, Blend Platform and Title365. The company offers a suite … |
| GRND | Grindr Inc. operates social network platform for the LGBTQ community. Its platform enables gay, bi, trans, and queer people to engage with each other, share content and experiences, and express … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Red Violet
A-Score
1-Year Total Return ->
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Grindr
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1-Year Total Return ->
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Viant Technology
A-Score
1-Year Total Return ->
4
Blend Labs
A-Score
1-Year Total Return ->
5
Dave
A-Score
1-Year Total Return ->
6
