What is DAVE's Value Score?

Dave Inc. - Class A Common Stock (DAVE) has a StockPik Value Score of 72 out of 100 — a high score, indicating strong value characteristics across multiple metrics. The Value Score is a composite ranking built from P/E ratio, P/B ratio, Graham Number, ROE, gross margin, debt-to-equity, current ratio, and Piotroski F-Score, calculated from SEC EDGAR annual filing data.

What is DAVE's Piotroski F-Score?

Dave Inc. - Class A Common Stock (DAVE) has a Piotroski F-Score of 5 out of 9 — a moderate score. The F-Score assesses nine binary financial criteria across profitability, leverage, and operating efficiency. A score of 7–9 indicates a financially improving company; a score of 0–3 is a warning sign.

Is DAVE trading below its Graham Number?

DAVE is currently trading above its Graham Number. The stock price of $256.26 exceeds the Graham Number of $69.08, meaning it does not meet Graham's criterion for a margin of safety at the current price. The Graham Number is calculated as √(22.5 × EPS × Book Value Per Share) and represents Benjamin Graham's ceiling price for a defensive investor.

What is DAVE's Graham Number?

DAVE's Graham Number is $69.08, calculated using the Benjamin Graham formula √(22.5 × EPS × Book Value per Share). The Graham Number is an estimate of intrinsic value — the maximum price a defensive investor should pay. At the current price of $256.26, DAVE is trading 271% above its Graham Number.

What is DAVE's Piotroski F-Score?

DAVE's Piotroski F-Score is 5 out of 9, indicating moderate financial health. The Piotroski F-Score evaluates nine criteria across profitability, leverage, and operating efficiency. Scores of 7 or above are considered strong; 3 or below indicate financial weakness.

Is DAVE (Dave Inc. - Class A Common Stock) undervalued?

DAVE scores 72/100 on StockPik's Value Score, placing it in undervalued territory. The stock trades 271% above its Graham Number of $69.08.

What is DAVE's P/E ratio?

DAVE's trailing P/E ratio is 18.3x — a reasonable earnings multiple. The Financial Services sector average P/E is 19.4x. Compare against other Financial Services stocks in the StockPik screener.

What sector is Dave Inc. - Class A Common Stock (DAVE) in?

Dave Inc. - Class A Common Stock (DAVE) is in the Financial Services sector, specifically in the Finance Services industry. Compare it against other Financial Services stocks by Value Score, P/E ratio, and Piotroski F-Score on StockPik.

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Dave Inc. - Class A Common Stock (DAVE)

NASDAQ Mid Cap

Financial Services › Finance Services

$256.26

Market Cap: $3.4B

Data as of Mar 31, 2026 (TTM)

Price History

Feb 9, 2026 — Jul 6, 2026

Investment Snapshot

Trading 271% above Graham Number — above intrinsic value estimate
Piotroski F-Score 5/9 — moderate financial health
Strong ROE of 92.2% with 34.2% net margin
Revenue growing at 60% annually

Dave Inc. - Class A Common Stock (DAVE) is a Financial Services company operating in Finance Services, listed on the NASDAQ , with a market capitalisation of $3.4 billion . Key value metrics: P/E ratio 18.3, P/B ratio 16.89, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

out of 100

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Key Metrics

P/E Ratio

18.33

P/B Ratio

16.89

EPS

$13.98

Div. Yield

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PEG Ratio

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P/S Ratio

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EV/EBITDA

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ROE

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ROA

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Gross Margin

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Op. Margin

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Net Margin

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Debt/Equity

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Current Ratio

—

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Current vs 5-Year Average

Based on 4 years of SEC filings

Net Margin

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↑ +2.1pp avg —

Gross Margin

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↑ +2.1pp avg —

Operating Margin

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↑ +2.1pp avg —

Return on Equity

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↑ +2.1pp avg —

Debt / Equity

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↑ +2.1pp avg —

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Revenue & Net Income

Profit Margins

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EPS & Free Cash Flow Per Share

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Financial Statements

Metric	FY22	FY23	FY24
Revenue	$X.XB	$X.XB	$X.XB
Gross Profit	$X.XB	$X.XB	$X.XB
Operating Income	$X.XB	$X.XB	$X.XB
Net Income	$X.XB	$X.XB	$X.XB
EBITDA	$X.XB	$X.XB	$X.XB
Total Assets	$X.XB	$X.XB	$X.XB
Total Liabilities	$X.XB	$X.XB	$X.XB

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Data sourced from SEC EDGAR and Polygon.io. Methodology. View more Financial Services stocks →

Dave Inc. - Class A Common Stock — Fundamental Analysis Summary

Dave Inc. - Class A Common Stock (DAVE) is currently trading 271% above its Graham Number of $69.08, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 18.3x.

On financial health, DAVE shows a moderate Piotroski F-Score of 5/9, and strong return on equity of 92.2% (sector average: 4.9%).

StockPik's composite Value Score for DAVE is 72/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.

DAVE shows revenue growing at 60% year-over-year, with earnings growing at 238%.

Top Value Stocks in Financial Services

Symbol	Name	Price	P/E	Score
ADAM	Adamas Trust, Inc. - Common Stock	$9.44	5.9	100
ACIC	American Coastal Insurance Corporation - Common Stock	$11.10	5.4	100
ATLCL	Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026	$25.11	2.9	100
ACGLN	Arch Capital Group Ltd. - Depositary Shares, each Representing a 1/1,000th Interest in a 4.550% Non-Cumulative Preferred Share, Series G	$16.22	1.3	100
ACGLO	Arch Capital Group Ltd. - Depositary Shares Each Representing 1/1,000th Interest in a Share of5.45% Non-Cumulative Preferred Shares, Series F	$19.12	1.6	100

Browse all Financial Services value stocks →

How is the Value Score calculated?

Read our full methodology →

How is the Graham Number calculated?

Benjamin Graham's intrinsic value formula, worked examples, and how to use it →

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