| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Sales/Revenue | 76.23M | 121.8M | 153.01M | 204.84M | 259.09M | 347.08M |
| Revenue Growth % | - | 0.6% | 0.26% | 0.34% | 0.26% | 0.34% |
| Cost of Goods Sold | 15.22M | 21.65M | 23.46M | 31.95M | 28.93M | 30.38M |
| COGS % of Revenue | 0.2% | 0.18% | 0.15% | 0.16% | 0.11% | 0.09% |
| Gross Profit | 61.01M | 100.15M | 129.55M | 172.89M | 230.17M | 316.7M |
| Gross Margin % | 0.8% | 0.82% | 0.85% | 0.84% | 0.89% | 0.91% |
| Gross Profit Growth % | - | 0.64% | 0.29% | 0.33% | 0.33% | 0.38% |
| Operating Expenses | 61.01M | 100.15M | 135.93M | 307.29M | 272.37M | 282.09M |
| OpEx % of Revenue | 0.8% | 0.82% | 0.89% | 1.5% | 1.05% | 0.81% |
| Selling, General & Admin | 32.18M | 60.23M | 101M | 172.47M | 143.3M | 151.93M |
| SG&A % of Revenue | 0.42% | 0.49% | 0.66% | 0.84% | 0.55% | 0.44% |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - |
| Other Operating Expenses | 28.84M | 39.92M | 34.93M | 134.82M | 129.06M | 130.16M |
| Operating Income | 1.78M | 0 | -6.38M | -134.4M | -42.2M | 34.61M |
| Operating Margin % | 0.02% | - | -0.04% | -0.66% | -0.16% | 0.1% |
| Operating Income Growth % | - | -1% | - | -20.08% | 0.69% | 1.82% |
| EBITDA | 2.58M | -5.08M | -3.32M | -127.26M | -36.66M | 42.29M |
| EBITDA Margin % | 0.03% | -0.04% | -0.02% | -0.62% | -0.14% | 0.12% |
| EBITDA Growth % | - | -2.97% | 0.35% | -37.31% | 0.71% | 2.15% |
| D&A (Non-Cash Add-back) | 805K | 1.72M | 3.06M | 7.13M | 5.54M | 7.68M |
| EBIT | 2.18M | -6.79M | -17.35M | -119.78M | -36.62M | 68.34M |
| Net Interest Income | -423K | -964K | -2.26M | -6.24M | -6.48M | -5M |
| Interest Income | 429K | 409K | 287K | 2.95M | 5.29M | 2.98M |
| Interest Expense | 852K | 17K | 2.54M | 9.2M | 11.77M | 7.99M |
| Other Income/Expense | -445K | -6.81M | -13.52M | 5.42M | -6.2M | 25.74M |
| Pretax Income | 1.33M | -6.81M | -19.9M | -128.97M | -48.4M | 60.35M |
| Pretax Margin % | 0.02% | -0.06% | -0.13% | -0.63% | -0.19% | 0.17% |
| Income Tax | 545K | 145K | 97K | -67K | 120K | 2.48M |
| Effective Tax Rate % | 0.59% | 1.02% | 1% | 1% | 1% | 0.96% |
| Net Income | 787K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M |
| Net Margin % | 0.01% | -0.06% | -0.13% | -0.63% | -0.19% | 0.17% |
| Net Income Growth % | - | -9.84% | -1.87% | -5.45% | 0.62% | 2.19% |
| Net Income (Continuing) | 787K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.00 | -0.60 | -1.72 | -10.92 | -4.07 | 4.19 |
| EPS Growth % | - | - | -1.87% | -5.35% | 0.63% | 2.03% |
| EPS (Basic) | 0.00 | -0.60 | -1.72 | -10.92 | -4.07 | 4.62 |
| Diluted Shares Outstanding | 11.63M | 11.63M | 11.63M | 11.8M | 11.93M | 13.82M |
| Basic Shares Outstanding | 11.63M | 11.63M | 11.63M | 11.8M | 11.93M | 12.52M |
| Dividend Payout Ratio | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 62.22M | 69.35M | 100.2M | 308.57M | 276.89M | 282.27M |
| Cash & Short-Term Investments | 31.71M | 22.45M | 40.23M | 191.96M | 155.94M | 90.29M |
| Cash Only | 6.41M | 4.79M | 32.01M | 22.89M | 41.76M | 49.72M |
| Short-Term Investments | 25.3M | 17.67M | 8.23M | 169.07M | 114.18M | 40.57M |
| Accounts Receivable | 29.04M | 38.74M | 49.01M | 104.18M | 112.85M | 175.86M |
| Days Sales Outstanding | 139.06 | 116.11 | 116.92 | 185.64 | 158.97 | 184.94 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - |
| Other Current Assets | 1.46M | 4.14M | 9.57M | 11.59M | 7.96M | 16.13M |
| Total Non-Current Assets | 4.87M | 7.05M | 46.98M | 12.92M | 17.14M | 17.05M |
| Property, Plant & Equipment | 2.18M | 1.89M | 3.39M | 1.76M | 1.89M | 1.21M |
| Fixed Asset Turnover | 34.97x | 64.31x | 45.18x | 116.32x | 137.01x | 286.60x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.09M | 4.5M | 7.85M | 10.16M | 13.21M | 13.64M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 603K | 654K | 35.75M | 1M | 2.04M | 2.2M |
| Total Assets | 67.09M | 76.41M | 147.19M | 321.49M | 294.02M | 299.33M |
| Asset Turnover | 1.14x | 1.59x | 1.04x | 0.64x | 0.88x | 1.16x |
| Asset Growth % | - | 0.14% | 0.93% | 1.18% | -0.09% | 0.02% |
| Total Current Liabilities | 9.57M | 24.18M | 68.63M | 36.42M | 25.6M | 35.06M |
| Accounts Payable | 6.5M | 8.49M | 13.04M | 11.42M | 5.49M | 6.77M |
| Days Payables Outstanding | 155.97 | 143.19 | 202.95 | 130.46 | 69.21 | 81.31 |
| Short-Term Debt | 0 | 3.91M | 35.75M | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 666K | 3.73M | 2.67M | 5.84M | 16.22M | 9.3M |
| Current Ratio | 6.50x | 2.87x | 1.46x | 8.47x | 10.81x | 8.05x |
| Quick Ratio | 6.50x | 2.87x | 1.46x | 8.47x | 10.81x | 8.05x |
| Cash Conversion Cycle | - | - | - | - | - | - |
| Total Non-Current Liabilities | 2.22M | 2.38M | 39.81M | 178.51M | 181.36M | 81.17M |
| Long-Term Debt | 696K | 708K | 35M | 177.32M | 180.45M | 75M |
| Capital Lease Obligations | 1.49M | 1.09M | 970K | 550K | 543K | 204K |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 36.9K | 584.9K | 3.85M | 640K | 362K | 5.96M |
| Total Liabilities | 11.8M | 26.56M | 108.45M | 214.93M | 206.96M | 116.23M |
| Total Debt | 2.55M | 6.11M | 73.64M | 178.15M | 181.29M | 75.55M |
| Net Debt | -3.85M | 1.32M | 41.63M | 155.26M | 139.53M | 25.84M |
| Debt / Equity | 0.05x | 0.12x | 1.90x | 1.67x | 2.08x | 0.41x |
| Debt / EBITDA | 0.99x | - | - | - | - | 1.79x |
| Net Debt / EBITDA | -1.49x | - | - | - | - | 0.61x |
| Interest Coverage | 2.09x | - | -2.51x | -14.61x | -3.58x | 4.33x |
| Total Equity | 55.29M | 49.84M | 38.74M | 106.56M | 87.06M | 183.1M |
| Equity Growth % | - | -0.1% | -0.22% | 1.75% | -0.18% | 1.1% |
| Book Value per Share | 4.76 | 4.29 | 3.33 | 9.03 | 7.29 | 13.25 |
| Total Shareholders' Equity | 55.29M | 49.84M | 38.74M | 106.56M | 87.06M | 183.1M |
| Common Stock | 100 | 100 | 1K | 1K | 1K | 1K |
| Retained Earnings | -5.95M | -12.9M | -32.9M | -161.8M | -210.32M | -152.45M |
| Treasury Stock | -154K | -154K | -5K | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | 0 | -1.68M | 649K | 221K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | -10.93M | -9.15M | -541K | -44.88M | 33.75M | 125.14M |
| Operating CF Margin % | -0.14% | -0.08% | -0% | -0.22% | 0.13% | 0.36% |
| Operating CF Growth % | - | 0.16% | 0.94% | -81.96% | 1.75% | 2.71% |
| Net Income | 787K | -6.96M | -19.99M | -128.91M | -48.52M | 57.87M |
| Depreciation & Amortization | 805K | 1.72M | 3.06M | 7.13M | 5.54M | 7.68M |
| Stock-Based Compensation | 446K | 1.52M | 7.38M | 40.64M | 26.67M | 37.33M |
| Deferred Taxes | 20.2M | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | -648K | 25.28M | 863K | 45.35M | 61.24M | 24.09M |
| Working Capital Changes | -32.52M | -30.71M | 8.15M | -9.1M | -11.19M | -1.84M |
| Change in Receivables | 4.86M | 1.98M | 2.57M | 330K | 0 | -6.16M |
| Change in Inventory | -4.86M | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 4.86M | 1.98M | 2.57M | 330 | -5.93M | 1.28M |
| Cash from Investing | -19.7M | 3.42M | -37.2M | -285.58M | -14.38M | -45.84M |
| Capital Expenditures | -2.58M | -231K | -371K | -9.31M | -688K | -262K |
| CapEx % of Revenue | 0.03% | 0% | 0% | 0.05% | 0% | 0% |
| Acquisitions | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - |
| Other Investing | -1.75M | -3.99M | -46.27M | -114.32M | -70.86M | -118.76M |
| Cash from Financing | 33.87M | 4.24M | 65.05M | 321.77M | 22K | -71M |
| Debt Issued (Net) | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - |
| Other Financing | -14.35M | 331K | -1.04M | 7.3M | 34K | -1.26M |
| Net Change in Cash | - | - | - | - | - | - |
| Free Cash Flow | -13.51M | -13.37M | -7.02M | -54.2M | 25.17M | 124.88M |
| FCF Margin % | -0.18% | -0.11% | -0.05% | -0.26% | 0.1% | 0.36% |
| FCF Growth % | - | 0.01% | 0.47% | -6.72% | 1.46% | 3.96% |
| FCF per Share | -1.16 | -1.15 | -0.60 | -4.59 | 2.11 | 9.03 |
| FCF Conversion (FCF/Net Income) | -13.89x | 1.31x | 0.03x | 0.35x | -0.70x | 2.16x |
| Interest Paid | 0 | 0 | 1.99M | 0 | 0 | 0 |
| Taxes Paid | 0 | 2.8M | 0 | 0 | 0 | 0 |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 1.42% | -13.23% | -45.14% | -177.44% | -50.11% | 42.84% |
| Return on Invested Capital (ROIC) | 2.59% | - | -7.27% | -58.91% | -12.96% | 11.92% |
| Gross Margin | 80.04% | 82.23% | 84.67% | 84.4% | 88.84% | 91.25% |
| Net Margin | 1.03% | -5.71% | -13.07% | -62.93% | -18.73% | 16.67% |
| Debt / Equity | 0.05x | 0.12x | 1.90x | 1.67x | 2.08x | 0.41x |
| Interest Coverage | 2.09x | - | -2.51x | -14.61x | -3.58x | 4.33x |
| FCF Conversion | -13.89x | 1.31x | 0.03x | 0.35x | -0.70x | 2.16x |
| Revenue Growth | - | 59.78% | 25.63% | 33.87% | 26.49% | 33.96% |
| 2022 | 2023 | 2024 | |
|---|---|---|---|
| Processing Fees | 106.66M | 152.49M | 218.8M |
| Processing Fees Growth | - | 42.96% | 43.49% |
| Subscriptions | 19.15M | 21.48M | 24.6M |
| Subscriptions Growth | - | 12.21% | 14.50% |
| Other | 1.1M | 1.32M | 462K |
| Other Growth | - | 20.38% | -65.08% |
| Transaction Based Revenue | 15.98M | 26.85M | - |
| Transaction Based Revenue Growth | - | 68.06% | - |
Dave Inc. (DAVE) has a price-to-earnings (P/E) ratio of 45.8x. This suggests investors expect higher future growth.
Dave Inc. (DAVE) reported $491.3M in revenue for fiscal year 2024. This represents a 545% increase from $76.2M in 2019.
Dave Inc. (DAVE) grew revenue by 34.0% over the past year. This is strong growth.
Yes, Dave Inc. (DAVE) is profitable, generating $146.7M in net income for fiscal year 2024 (16.7% net margin).
Dave Inc. (DAVE) has a return on equity (ROE) of 42.8%. This is excellent, indicating efficient use of shareholder capital.
Dave Inc. (DAVE) generated $236.8M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.