Dave Inc. Class A Common Stock (DAVE)
Fast GrowerFairStock Score: 74/100 — STEADY
Key Financials
| Current Price | $235.79 |
| Market Cap | $3.7B |
| P/E Ratio | 15.14 |
| ROE | 111.59% |
| Dividend Yield | —% |
| Sector | Technology |
Strengths
- Generates $26 million in annual free cash flow (0.7% yield on market cap)
- High return on equity of 73.1% demonstrating efficient capital deployment
- Conservative balance sheet with debt-to-equity of just 0.21, providing financial flexibility
- Altman Z-Score of 18.2 confirms minimal bankruptcy risk and strong solvency
- Healthy net profit margin of 11.9% showing consistent profitability
Concerns
- Trades significantly above Graham Number ($89) with negative 214% margin of safety—limited downside protection
AI Analysis
Dave Inc. Class A Common Stock is a small-cap technology company valued at $3.7 billion. The business generates $554 million in annual revenue with a 11.9% net margin and $26 million in free cash flow. From a quality standpoint, Dave shows solid Piotroski F-Score of 6/9 and Altman Z-Score of 18.2 confirms fortress-level solvency. On valuation, the stock is reasonably priced at 20.3x earnings, with trades far above its Graham Number ($89) with no margin of safety. Growth dynamics show revenue growing at 62.4% and profit growth of 292.4%. Our composite FairStock Score of 74/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.
Bull Case
Dave's 62% revenue growth trajectory could accelerate as it captures additional market share in the technology sector. With $26 million in annual free cash flow (0.7% yield), management has ample capital for buybacks, dividends, or accretive acquisitions.
Bear Case
Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the technology space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.
Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer