Dave Inc. cash flow to debt ratio of 385.65% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Dave Inc.'s free cash flow has increased 132.00% from $124.88M last year to $289.71M, signaling increasing performance

Dave Inc.'s debt to equity ratio is 1.29, which means that the company's assets are unhealthy financed, signaling financial risk.

Dave Inc.'s debt has increased relative to shareholder equity from 0.41 last year to 1.29 today, signaling weakened financials

Dave Inc. has a net cash position, so leverage is healthy.

Dave Inc.'s interest coverage ratio of 30.62 indicates that earnings with good margin can cover interest payments on company debt

Dave Inc.'s profit margin has increased (107.44%) in the last year from 16.67% to 34.59%, signaling increasing performance

Dave Inc.'s short-term assets of $436.70M exceed its short-term liabilities of $114.00M

Dave Inc.'s return on assets of 39.01% is higher than the 5.00% threshold, indicating efficient asset utilization

Dave Inc.'s return on equity of 84.35%, is higher than 15.00%, indicating good performance

Dave Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Dave Inc. had positive net income in only 2 out of 5 years, indicating unstable earnings

Dave Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Dave Inc. has a free cash flow yield of 6.98%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Dave Inc.'s yearly earnings has increased 238.44% since last year from $57.87M to $195.87M, signaling increasing performance

Dave Inc.'s yearly revenue has increased 47.49% since last year from $347.08M to $511.91M, signaling increasing performance

ROIC 42.48% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.

Dave Inc.'s 3-year revenue CAGR of 39.34% is positive, indicating growing revenue over the past 3 years

Dave Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Dave Inc. had positive ROE in only 2 out of 5 years, indicating inconsistent returns on equity

Dave Inc. has insufficient data to evaluate this check.

Dave Inc. has an earnings yield of 5.67%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Dave Inc. is overvalued relative to its fair value price of 96.59 based on EBITDA multiple model

Dave Inc. has an EV/EBITDA ratio of 22.53x, which exceeds the 20.00x threshold, indicating the stock may be overvalued relative to its operating earnings

Dave Inc. has insufficient data to evaluate this check.

Dave Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Dave Inc. has a price-to-book ratio of 18.89x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value

Dave Inc. has a price-to-sales ratio of 6.10x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue