Dave, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Dave, Inc.

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Community West Bancshares

Why is Dave, Inc. ?

With a growth in Net Profit of 19657.94%, the company declared Outstanding results in Sep 25

The company has declared positive results for the last 8 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 238.45 MM
INTEREST COVERAGE RATIO(Q) Highest at 2,670.71
ROCE(HY) Highest at 65.63%

With ROE of 36.67%, it has a very expensive valuation with a 13.40 Price to Book Value

Over the past year, while the stock has generated a return of 64.11%, its profits have risen by 4202.6% ; the PEG ratio of the company is 0

High Institutional Holdings at 87.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Returns over the last 3 years

Along with generating 64.11% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How 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.

64.11%

4.09

86.46%

S&P 500

12.95%

0.66

19.66%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

38.15%

EBIT Growth (5y)

45.86%

EBIT to Interest (avg)

-5.97

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

7.66%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

87.73%

ROCE (avg)

8.62%

ROE (avg)

6.80%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

13.40

EV to EBIT

28.88

EV to EBITDA

26.91

EV to Capital Employed

15.21

EV to Sales

6.65

PEG Ratio

0.01

Dividend Yield

ROCE (Latest)

52.66%

ROE (Latest)

36.67%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bearish

Bullish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

45What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 238.45 MM

INTEREST COVERAGE RATIO(Q)

Highest at 2,670.71

ROCE(HY)

Highest at 65.63%

NET SALES(Q)

Highest at USD 150.72 MM

OPERATING PROFIT(Q)

Highest at USD 47.78 MM

PRE-TAX PROFIT(Q)

Highest at USD 44.4 MM

NET PROFIT(Q)

Highest at USD 78.05 MM

RAW MATERIAL COST(Y)

Fallen by -26.4% (YoY

EPS(Q)

Highest at USD 6.34

-1What is not working for the Company

DEBTORS TURNOVER RATIO(HY)

Lowest at 2.26 times

Here's what is working for Dave, Inc.

Interest Coverage Ratio

Highest at 2,670.71 and Grown

In each period in the last five periods

MOJO Watch

The company's ability to manage interest payments is improving

Operating Profit to Interest

Pre-Tax Profit

At USD 44.4 MM has Grown at 4,232%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 78.05 MM has Grown at 13,608.73%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Operating Cash Flow

Highest at USD 238.45 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 150.72 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Net Sales

At USD 150.72 MM has Grown at 62.97%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Profit

Highest at USD 47.78 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Operating Profit trend is quite positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 44.4 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 78.05 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

EPS

Highest at USD 6.34

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Raw Material Cost

Fallen by -26.4% (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

Here's what is not working for Dave, Inc.

Debtors Turnover Ratio

Lowest at 2.26 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling Debtors has slowed

Debtors Turnover Ratio