* Note: Prices are in Million (M) USD.
Description:
These criteria used Company's Cash, EBITDA and Debt balance to determines its fair value:
Cash : $50 M
Debt : $76 M
EBITDA : $65 M
Net Debt (Debt - Cash): $26 M
Since Net Debt is covered by EBITDA within 1 year, 3 points assigned.
This criteria used industry in which company operates:
Sector: FINANCE
Industry: FINANCE SERVICES
Based on industry, 3 points assigned.
This criteria used Company's Price To Earning (P/E) Ratio to determines its fair value:
Forward PE Ratio: 33.87
Since Forward PE Ratio is between 25 - 35, 1 point assigned.
This criteria used Company's ability to convert Sales into free cash flow to determine fair value:
Average Free Cash Flow: $4 M
Average Revenue: $194 M
Revenue Converted To Free Cash FLow(%): 2%
Avg Free Cash Flow Growth Per Year (Last 5 Years): 55.16%
Since Free Cash Flow (FCF) to Revenue percentage is less than 15, 1 point assigned.
This criteria used company's growth potential to calculate its fair value:
Latest Revenue (2024-12-31): $347 M
Revenue 4 Years Ago (2020-12-31): $122 M
Last 5 Years Average Revenue Growth: 37%
Since Revenue Growth is greater than 20, 5 points assigned.
This criteria used Company's ability to buy back its own share:
Latest Share Count (2024-12-31): $14 M
Share Count 5 Years Ago (2020-12-31): $5 M
Company is not buying back its own shares, 0 points assigned.
This criteria used Company's dividend payout ratio to determine its fair value:
Next Year Earnings Per Share (EPS): $7.98
Trailing 12-Month Earnings Per Share (EPS): $3.31
Average Earnings Per Share (EPS): $5.65
Dividend Per Share (DPS): $0
Payout Ratio: 0%
Dividend Yield: 0%
Since Dividend Per Share is less than or equal to 0, 0 point assigned.
Since Dividend Yield is less than 1, 0 point assigned.
This criteria used Company's Return On Equity (ROE%) to determine its fair value:
Average ROE: -32%
Since Average ROE is negative, 0 point assigned.
This criteria used Company's current price to its 52 week low price to determines its fair value:
Current Price: $191
52-Week Low: $29
Threshold Price (15% Above 52-Week Low): $33
Since Current price is not within 15% threshold, 0 point assigned.
This criteria used Company's Market Cap to determines its fair value:
Market Capitalization: $2,810 M
Since Market Cap is less than 10B, 1 point assigned.
% Exposure to Total Portfolio
Based on the market cap, we recommend do not exceed 2% exposure of Total Portfolio.
Value-Trade has assigned 14 points to above Dave Inc (DAVE) stock.
Last 2 Years Avg PE (Limited to last 2 years of EPS data) 8, Fair Value PE 12, Industry Based PE is 15 and Growth based PE is 18. Based on these all values average assigned is 13.25.
Value-Trades has assined P/E value 13.25. Since an average (Current Year EPS + Next Year EPS) earning per share is $5.65.
The fair value of Dave Inc (DAVE) stock should be (13.25 x $5.65) = $74.86
