SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Dave Inc. (DAVE) trades at a trailing P/E of 12.3, forward P/E of 16.9. Trailing earnings yield is 8.11%, forward earnings yield 5.91%. PEG 0.06 (Peter Lynch undervalued ≤1.0). Graham Number is $92.29.
Criteria proven by this page:
- VALUE (95/100, Pass) — P/E is below market average (12.3); PEG ≤ 1.0 — Peter Lynch undervalued (0.06); analyst target implies upside (+44.7%); earnings yield beats bond yields (8.11%).
- PEG Ratio 0.06 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.11% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
- Analyst consensus target $309.25 (+44.7% upside) — significant upside potential according to Wall Street analysts.
Overall SharesGrow Score: 84/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
95/100
Price-to-Earnings & upside
Proven by this page
✓
HEALTH
83/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — DAVE
Valuation Multiples
P/E (TTM)12.3
Forward P/E16.9
PEG Ratio0.06
Forward PEGN/A
P/B Ratio6.85
P/S Ratio4.63
EV/EBITDA13.0
Per Share Data
EPS (TTM)$14.50
Forward EPS (Est.)$12.63
Book Value / Share$26.11
Revenue / Share$37.89
FCF / Share$21.34
Yields & Fair Value
Earnings Yield8.11%
Forward Earnings Yield5.91%
Dividend Yield0.00%
Graham Number$92.29
SharesGrow IV$238.16 (+11.4%)
Analyst Target$309.25 (+44.7%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2019 |
4,632.3 |
0.00 |
65.93 |
47.83 |
- |
| 2020 |
-524.0 |
0.00 |
73.14 |
29.93 |
- |
| 2021 |
-190.7 |
-1.02 |
98.43 |
24.92 |
- |
| 2022 |
-0.8 |
0.00 |
1.03 |
0.53 |
- |
| 2023 |
-2.1 |
0.03 |
1.15 |
0.39 |
- |
| 2024 |
18.8 |
-0.09 |
5.94 |
3.14 |
- |
| 2025 |
15.1 |
0.07 |
8.39 |
5.78 |
- |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2019 |
$0.07 |
$76.23M |
$787K |
1% |
| 2020 |
$-0.60 |
$121.8M |
$-6.96M |
-5.7% |
| 2021 |
$-1.85 |
$153M |
$-20M |
-13.1% |
| 2022 |
$-11.12 |
$204.8M |
$-128.9M |
-62.9% |
| 2023 |
$-4.07 |
$259.09M |
$-48.52M |
-18.7% |
| 2024 |
$4.19 |
$347.08M |
$57.87M |
16.7% |
| 2025 |
$13.53 |
$511.91M |
$195.87M |
38.3% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$12.68 |
$12.24 – $12.94 |
$689.38M |
$685.38M – $695.52M |
6 |
| 2027 |
$16.24 |
$15.33 – $16.99 |
$827.25M |
$812.86M – $841.24M |
5 |
| 2028 |
$6.80 |
$6.59 – $7.07 |
$652.6M |
$637.34M – $672.81M |
2 |
