ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Dave, Inc. ?
1
With a growth in Net Sales of 29.63%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 12 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 326.95 MM
- ROCE(HY) Highest at 104.78%
- PRE-TAX PROFIT(Q) At USD 55.58 MM has Grown at 186.44%
2
With ROE of 57.54%, it has a fair valuation with a 6.73 Price to Book Value
- Over the past year, while the stock has generated a return of 44.72%, its profits have risen by 581.5% ; the PEG ratio of the company is 0
3
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 2.71% over the previous quarter.
4
Consistent Returns over the last 3 years
- Along with generating 44.72% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Dave, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Dave, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Dave, Inc.
44.72%
11.30
71.52%
S&P 500
16.06%
1.22
13.16%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
37.94%
EBIT Growth (5y)
56.81%
EBIT to Interest (avg)
-5.97
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
7.66%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
97.29%
ROCE (avg)
8.62%
ROE (avg)
6.80%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
6.73
EV to EBIT
12.46
EV to EBITDA
12.00
EV to Capital Employed
7.59
EV to Sales
4.20
PEG Ratio
0.02
Dividend Yield
NA
ROCE (Latest)
60.89%
ROE (Latest)
57.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend24What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 326.95 MM
ROCE(HY)
Highest at 104.78%
PRE-TAX PROFIT(Q)
At USD 55.58 MM has Grown at 186.44%
RAW MATERIAL COST(Y)
Fallen by -0.3% (YoY
DEBTORS TURNOVER RATIO(HY)
Highest at 2.73 times
NET SALES(Q)
Highest at USD 170.79 MM
NET PROFIT(Q)
At USD 25.33 MM has Grown at 66.2%
-10What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 22.41% (YoY
DEBT-EQUITY RATIO
(HY)
Highest at 7.64 %
INTEREST(Q)
Highest at USD 2.02 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 33.65 %
NET PROFIT(Q)
Lowest at USD 11.81 MM
EPS(Q)
Lowest at USD 0.49
Here's what is working for Dave, Inc.
Operating Cash Flow
Highest at USD 326.95 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
At USD 55.58 MM has Grown at 186.44%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Sales
Highest at USD 170.79 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 170.79 MM has Grown at 29.63%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
At USD 25.33 MM has Grown at 66.2%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Debtors Turnover Ratio
Highest at 2.73 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by -0.3% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at USD 2.05 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.05 MM has Grown at 26.35%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for Dave, Inc.
Interest
At USD 2.02 MM has Grown at 16.83%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Interest
Highest at USD 2.02 MM
in the last five periods and Increased by 16.83% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Operating Profit Margin
Lowest at 33.65 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Net Profit
Lowest at USD 11.81 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.49
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Debt-Equity Ratio
Highest at 7.64 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Raw Material Cost
Grown by 22.41% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
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