Financials Dave A Nasdaq

Equities

DAVE

US23834J1025

Financial Technology (Fintech)

Market Closed - Nasdaq 04:00:00 2024-05-20 pm EDT 5-day change 1st Jan Change
46.65 USD -6.38% Intraday chart for Dave A -4.74% +468.21%

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 325.1 109.7 101.1 575.5 -
Enterprise Value (EV) 1 325.1 109.7 101.1 575.5 575.5
P/E ratio -51.3 x -26.7 x -2.06 x 22.4 x -212 x
Yield - - - - -
Capitalization / Revenue - 0.54 x - 1.82 x 1.53 x
EV / Revenue - 0.54 x - 1.82 x 1.53 x
EV / EBITDA - - - 15.7 x 11.9 x
EV / FCF - - - - -
FCF Yield - - - - -
Price to Book - - - - -
Nbr of stocks (in thousands) 991 11,816 12,052 12,337 -
Reference price 2 328.0 9.280 8.385 46.65 46.65
Announcement Date 3/21/22 3/6/23 3/5/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2021 2022 2023 2024 2025
Net sales 1 - 204.8 - 316.4 375.6
EBITDA 1 - - - 36.65 48.2
EBIT 1 - -134.4 - 4.75 10.15
Operating Margin - -65.62% - 1.5% 2.7%
Earnings before Tax (EBT) 1 - -129 - 28 -4
Net income 1 -20 -128.9 -48.52 27 -3
Net margin - -62.94% - 8.53% -0.8%
EPS 2 -6.400 -0.3475 -4.070 2.080 -0.2200
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - -
Announcement Date 3/21/22 3/6/23 3/5/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 42.6 45.8 56.8 59.6 58.93 61.2 - 73.63 76.2 79.3 87.2 84.05 90.75
EBITDA 1 -18.3 -28.5 -27.5 -11.8 -4.526 -13.1 - 13.18 6.45 7.6 9.4 10.35 9.45
EBIT 1 - -53.02 -37.9 -19.9 -12.48 -21 - 5.399 -1.55 -0.45 1.35 0.9 -
Operating Margin - -115.75% -66.73% -33.39% -21.18% -34.31% - 7.33% -2.03% -0.57% 1.55% 1.07% -
Earnings before Tax (EBT) 1 -34.8 -27.1 -47.5 -21.6 -14.02 - - 37.45 -4.3 -2.9 -2.2 -7.8 -2.3
Net income 1 -34.8 -27.1 -47.5 -21.5 -14.02 -22.6 -12.05 34.24 -3.3 -2.3 -1.7 -6 -1.8
Net margin -81.69% -59.17% -83.63% -36.07% -23.8% -36.93% - 46.51% -4.33% -2.9% -1.95% -7.14% -1.98%
EPS 2 -3.200 -2.240 -4.160 -0.0475 -1.190 -1.900 -1.010 2.600 -0.2400 -0.1600 -0.1200 -0.4100 -0.1200
Dividend per Share - - - - - - - - - - - - -
Announcement Date 5/11/22 8/12/22 11/10/22 3/6/23 5/9/23 8/8/23 11/7/23 5/7/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2021 2022 2023 2024 2025
Net Debt - - - - -
Net Cash position - - - - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - - - - -
ROA (Net income/ Total Assets) - - - - -
Assets 1 - - - - -
Book Value Per Share - - - - -
Cash Flow per Share - - - - -
Capex - - - - -
Capex / Sales - - - - -
Announcement Date 3/21/22 3/6/23 3/5/24 - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
2
Last Close Price
46.65 USD
Average target price
70 USD
Spread / Average Target
+50.05%
Consensus
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