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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The First of Long Island Corp.

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Community West Bancshares

Why is Dave, Inc. ?

The company has declared Positive results for the last 13 consecutive quarters

OPERATING CASH FLOW(Y) Highest at USD 326.95 MM
NET PROFIT(9M) At USD 139.45 MM has Grown at 76.47%
ROCE(HY) Highest at 104.81%

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 68.74%, its profits have risen by 581.5% ; the PEG ratio of the company is 0

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.

Consistent Returns over the last 3 years

Along with generating 68.74% 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.

68.74%

10.40

71.76%

S&P 500

21.34%

1.62

13.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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)

Sales to Capital Employed (avg)

Tax Ratio

7.66%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

97.29%

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

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

ROCE (Latest)

60.89%

ROE (Latest)

57.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bearish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

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

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 326.95 MM

NET PROFIT(9M)

At USD 139.45 MM has Grown at 76.47%

ROCE(HY)

Highest at 104.81%

RAW MATERIAL COST(Y)

Fallen by 0.93% (YoY

DEBTORS TURNOVER RATIO(HY)

Highest at 2.73 times

NET SALES(Q)

Highest at USD 170.79 MM

-8What is not working for the Company

DEBT-EQUITY RATIO (HY)

Highest at 7.64 %

INTEREST(Q)

Highest at USD 2.02 MM

NET PROFIT(Q)

Lowest at USD 25.33 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 years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 170.79 MM

in the last five periods

MOJO 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)

Debtors Turnover Ratio

Highest at 2.73 times

in the last five Semi-Annual periods

MOJO Watch

Company has been able to sell its Debtors faster

Debtors Turnover Ratio

Raw Material Cost

Fallen by 0.93% (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

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)

Net Profit

Lowest at USD 25.33 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.49

in the last five periods

MOJO 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 periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio