What is DAVE's Value Score?

Dave Inc. - Class A Common Stock (DAVE) has a StockPik Value Score of 74 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 $179.1 exceeds the Graham Number of $76.11, 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 $76.11, 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 $179.10, DAVE is trading 135% 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 74/100 on StockPik's Value Score, placing it in undervalued territory. The stock trades 135% above its Graham Number of $76.11.

What is DAVE's P/E ratio?

DAVE's trailing P/E ratio is 18.4x — a reasonable earnings multiple. The Financial Services sector average P/E is 18.1x. 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.

Back to Screener

Dave Inc. - Class A Common Stock (DAVE)

NASDAQ Mid Cap

Financial Services › Finance Services

$179.10

Market Cap: $2.4B

Data as of Sep 30, 2025 (TTM)

Price History

Feb 9, 2026 — Mar 27, 2026

Investment Snapshot

Trading 135% above Graham Number — above intrinsic value estimate
Piotroski F-Score 5/9 — moderate financial health
Strong ROE of 37.0% with 27.0% 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 $2.4 billion . Key value metrics: P/E ratio 18.4, P/B ratio 6.79, Piotroski F-Score 5 out of 9 (moderate financial health) .

Value Score

out of 100

Try PRO Free — See Full Breakdown

Key Metrics

P/E Ratio

18.36

P/B Ratio

6.79

EPS

$9.76

Div. Yield

—

PEG Ratio

—

P/S Ratio

—

EV/EBITDA

—

ROE

—

ROA

—

Gross Margin

—

Op. Margin

—

Net Margin

—

Debt/Equity

—

Current Ratio

—

Unlock 19 More Metrics — 7 Days Free

Current vs 5-Year Average

Based on 4 years of SEC filings

Net Margin

—

↑ +2.1pp avg —

Gross Margin

—

↑ +2.1pp avg —

Operating Margin

—

↑ +2.1pp avg —

Return on Equity

—

↑ +2.1pp avg —

Debt / Equity

—

↑ +2.1pp avg —

See How Margins & ROE Have Trended — Try PRO

Revenue & Net Income

Profit Margins

Track Gross, Operating & Net Margins — Try PRO

EPS & Free Cash Flow Per Share

See EPS & Free Cash Flow Trends — Try PRO

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

Unlock 5 Years of Financials — Start Free Trial

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 135% above its Graham Number of $76.11, suggesting the market price exceeds Benjamin Graham's intrinsic value estimate. The stock carries a reasonable trailing P/E ratio of 18.4x.

On financial health, DAVE shows a moderate Piotroski F-Score of 5/9, and strong return on equity of 37.0% (sector average: 5.8%).

StockPik's composite Value Score for DAVE is 74/100 — 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
ACIC	American Coastal Insurance Corporation	$11.36	5.1	100
ATLCP	Atlanticus Holdings Corporation - 7.625% Series B Cumulative Perpetual Preferred Stock, no par value per share	$22.87	2.9	100
ATLCL	Atlanticus Holdings Corporation - 6.125% Senior Notes due 2026	$24.97	3.2	100
ACGLN	Arch Capital Group Ltd.	$16.52	1.4	100
ACGLO	Arch Capital Group Ltd.	$19.79	1.7	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 →

DASH — DoorDash, Inc. - Common Stock

Day One Biopharmaceuticals, Inc. - Common Stock — DAWN