Financials Dave A Nasdaq

Equities

DAVE

US23834J1025

Financial Technology (Fintech)

Real-time Estimate Cboe BZX 07:37:29 11/06/2024 pm IST 5-day change 1st Jan Change
35.72 USD -2.14% Intraday chart for Dave A -3.74% +335.67%

Valuation

Fiscal Period: December 2021 2022 2023 2024 2025
Capitalization 1 325.1 109.7 101.1 450.3 -
Enterprise Value (EV) 1 325.1 109.7 101.1 450.3 450.3
P/E ratio -51.3 x -26.7 x -2.06 x 18 x 59.8 x
Yield - - - - -
Capitalization / Revenue - 0.54 x - 1.42 x 1.19 x
EV / Revenue - 0.54 x - 1.42 x 1.19 x
EV / EBITDA - - - 12.8 x 8.73 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 36.50 36.50
Announcement Date 21/03/22 06/03/23 05/03/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2021 2022 2023 2024 2025
Net sales 1 - 204.8 - 316.9 377.9
EBITDA 1 - - - 35.17 51.6
EBIT 1 - -134.4 - 2.9 15.3
Operating Margin - -65.62% - 0.92% 4.05%
Earnings before Tax (EBT) 1 - -129 - 28.25 8.7
Net income 1 -20 -128.9 -48.52 26.6 8.15
Net margin - -62.94% - 8.39% 2.16%
EPS 2 -6.400 -0.3475 -4.070 2.025 0.6100
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share - - - - -
Announcement Date 21/03/22 06/03/23 05/03/24 - -
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 75.63 80.1 87.57 86.33 91.3
EBITDA 1 -18.3 -28.5 -27.5 -11.8 -4.526 -13.1 - 13.18 5.1 7.433 9.4 10.35 9.45
EBIT 1 - -53.02 -37.9 -19.9 -12.48 -21 - 5.399 -2.933 -0.8 1.2 0.9 -
Operating Margin - -115.75% -66.73% -33.39% -21.18% -34.31% - 7.33% -3.88% -1% 1.37% 1.04% -
Earnings before Tax (EBT) 1 -34.8 -27.1 -47.5 -21.6 -14.02 - - 37.45 -5.55 -2.6 -1.05 -7.8 -2.3
Net income 1 -34.8 -27.1 -47.5 -21.5 -14.02 -22.6 -12.05 34.24 -4.75 -2.15 -0.8 -6 -1.8
Net margin -81.69% -59.17% -83.63% -36.07% -23.8% -36.93% - 46.51% -6.28% -2.68% -0.91% -6.95% -1.97%
EPS 2 -3.200 -2.240 -4.160 -0.0475 -1.190 -1.900 -1.010 2.600 -0.3550 -0.1550 -0.0550 -0.4100 -0.1200
Dividend per Share - - - - - - - - - - - - -
Announcement Date 11/05/22 12/08/22 10/11/22 06/03/23 09/05/23 08/08/23 07/11/23 07/05/24 - - - - -
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 21/03/22 06/03/23 05/03/24 - -
1USD in Million
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
3
Last Close Price
36.5 USD
Average target price
66.67 USD
Spread / Average Target
+82.65%
Consensus