Provides a personal financial management tool to track income and expenses. Offers ExtraCash, a free overdraft and short-term credit alternative. Now — the numbers.
This is an established company with proven profits.
Average growth of 38% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 24.1× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 54% of them.
Analysts' average target sits 25% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
Clearly above the class average — a step short of the very top.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades 23% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 35% — that slice of every sale is the company’s cushion in hard quarters.
Over the last 4 years, sales grew about 38% a year on average.
There is $121.3M in the vault; even if every debt were paid off, $46.1M would remain.
This stock swings about 3.8 times as much as the market average. Big rallies — and big drops — can both happen fast.
Over the last 12 months, executives reported 117 sells against just 13 buys. Not an alarm bell by itself, but a number worth watching.
On our five-subject report card, DAVE sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: DAVE is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Analysts’ average target sits above today’s price, yet the valuation grade (54/100) says the stock isn’t cheap.
Not covered, because the filings we hold do not carry it: the revenue breakdown.