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Dave Inc
Buy, Hold or Sell?

Let's analyze Dave together

I guess you are interested in Dave Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Dave Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Dave (30 sec.)










What can you expect buying and holding a share of Dave? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
0.0%

What is your share worth?

Current worth
$9.66
Expected worth in 1 year
$10.85
How sure are you?
42.9%

+ What do you gain per year?

Total Gains per Share
$1.19
Return On Investment
3.2%

For what price can you sell your share?

Current Price per Share
$37.50
Expected price per share
$20.50 - $63.50
How sure are you?
50%
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1. Valuation of Dave (5 min.)




Live pricePrice per Share (EOD)

$37.50

Intrinsic Value Per Share

$66.26 - $80.58

Total Value Per Share

$75.91 - $90.24

2. Growth of Dave (5 min.)




Is Dave growing?

Current yearPrevious yearGrowGrow %
How rich?$127.3m$123.2m-$28.8m-30.6%

How much money is Dave making?

Current yearPrevious yearGrowGrow %
Making money-$62.2k-$27.5m$27.4m44,139.4%
Net Profit Margin-2.1%-50.7%--

How much money comes from the company's main activities?

3. Financial Health of Dave (5 min.)




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What can you expect buying and holding a share of Dave? (5 min.)

Welcome investor! Dave's management wants to use your money to grow the business. In return you get a share of Dave.

What can you expect buying and holding a share of Dave?

First you should know what it really means to hold a share of Dave. And how you can make/lose money.

Speculation

The Price per Share of Dave is $37.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Dave.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Dave, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $9.66. Based on the TTM, the Book Value Change Per Share is $0.30 per quarter. Based on the YOY, the Book Value Change Per Share is $-1.76 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Dave.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps2.606.9%-0.07-0.2%-2.47-6.6%-1.01-2.7%-1.01-2.7%
Usd Book Value Change Per Share2.496.6%0.300.8%-1.76-4.7%0.691.8%0.691.8%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share2.496.6%0.300.8%-1.76-4.7%0.691.8%0.691.8%
Usd Price Per Share37.14-14.26-1.85-7.26-7.26-
Price to Earnings Ratio3.57-35.90--0.35-9.68-9.68-
Price-to-Total Gains Ratio14.91-3.22--2.89-3.16-3.16-
Price to Book Ratio3.85-1.68-0.21-1.11-1.11-
Price-to-Total Gains Ratio14.91-3.22--2.89-3.16-3.16-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share37.5
Number of shares26
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.300.69
Usd Total Gains Per Share0.300.69
Gains per Quarter (26 shares)7.7217.94
Gains per Year (26 shares)30.8871.74
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10312107262
2062520143134
3093830215206
401241140287278
501541450359350
601851760430422
702162070502494
802472380574566
902782690646638
1003093000717710

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share2.02.00.050.0%3.09.00.025.0%3.011.00.021.4%3.011.00.021.4%3.011.00.021.4%
Book Value Change Per Share2.02.00.050.0%4.07.01.033.3%6.07.01.042.9%6.07.01.042.9%6.07.01.042.9%
Dividend per Share0.00.04.00.0%0.00.012.00.0%0.00.014.00.0%0.00.014.00.0%0.00.014.00.0%
Total Gains per Share2.02.00.050.0%4.07.01.033.3%6.07.01.042.9%6.07.01.042.9%6.07.01.042.9%
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Fundamentals of Dave

About Dave Inc

Dave Inc. provides a suite of financial products and services through its financial services platform. The company offers Budget, personal financial management tool that helps members with budgeting, and managing income and expenses; ExtraCash, a short-term liquidity alternative, which allows members to advance funds to their account through automated clearing house network and avoid a fee; Side Hustle, a job application portal to find supplemental or temporary work; and Surveys, which allows member to take paid surveys within the Dave mobile application. It also provides Dave Banking, a digital checking and demand deposit account. The company was founded in 2015 and is headquartered in Los Angeles, California.

Fundamental data was last updated by Penke on 2024-07-07 21:05:03.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a loss.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is very inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is cheap.
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1.1. Profitability of Dave Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Dave earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare¬†Dave to the¬†Software - Application industry mean.
  • A Net Profit Margin of 46.5%¬†means that¬†$0.47 for each $1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Dave Inc:

  • The MRQ is 46.5%. The company is making a huge profit. +2
  • The TTM is -2.1%. The company is making a loss. -1
Trends
Current periodCompared to+/- 
MRQ46.5%TTM-2.1%+48.6%
TTM-2.1%YOY-50.7%+48.6%
TTM-2.1%5Y-31.3%+29.2%
5Y-31.3%10Y-31.3%0.0%
1.1.2. Return on Assets

Shows how efficient Dave is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Dave to the¬†Software - Application industry mean.
  • 14.5% Return on Assets means that¬†Dave generated¬†$0.15 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Dave Inc:

  • The MRQ is 14.5%. Using its assets, the company is efficient in making profit. +1
  • The TTM is 0.7%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ14.5%TTM0.7%+13.8%
TTM0.7%YOY-8.3%+9.0%
TTM0.7%5Y-6.9%+7.6%
5Y-6.9%10Y-6.9%0.0%
1.1.3. Return on Equity

Shows how efficient Dave is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Dave to the¬†Software - Application industry mean.
  • 26.9% Return on Equity means Dave generated $0.27¬†for each¬†$1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Dave Inc:

  • The MRQ is 26.9%. Using its investors money, the company is very efficient in making profit. +2
  • The TTM is -3.8%. Using its investors money, the company is very inefficient in making profit. -2
Trends
Current periodCompared to+/- 
MRQ26.9%TTM-3.8%+30.6%
TTM-3.8%YOY-22.3%+18.6%
TTM-3.8%5Y-14.5%+10.7%
5Y-14.5%10Y-14.5%0.0%
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1.2. Operating Efficiency of Dave Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Dave is operating .

  • Measures how much profit Dave makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare¬†Dave to the¬†Software - Application industry mean.
  • An Operating Margin of 7.3%¬†means the company generated $0.07 ¬†for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Dave Inc:

  • The MRQ is 7.3%. The company is operating less efficient.
  • The TTM is -9.0%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ7.3%TTM-9.0%+16.3%
TTM-9.0%YOY-12.8%+3.9%
TTM-9.0%5Y-15.7%+6.8%
5Y-15.7%10Y-15.7%0.0%
1.2.2. Operating Ratio

Measures how efficient Dave is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Software - Application industry mean).
  • An Operation Ratio of 0.93 means that the operating costs are $0.93 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Dave Inc:

  • The MRQ is 0.927. The company is less efficient in keeping operating costs low.
  • The TTM is 1.101. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ0.927TTM1.101-0.174
TTM1.101YOY1.593-0.492
TTM1.1015Y1.343-0.242
5Y1.34310Y1.3430.000
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1.3. Liquidity of Dave Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Dave is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Software - Application industry mean).
  • A Current Ratio of 7.47¬†means the company has $7.47 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Dave Inc:

  • The MRQ is 7.466. The company is very able to pay all its short-term debts. +2
  • The TTM is 8.762. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ7.466TTM8.762-1.297
TTM8.762YOY7.668+1.095
TTM8.7625Y6.043+2.719
5Y6.04310Y6.0430.000
1.3.2. Quick Ratio

Measures if Dave is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Dave to the¬†Software - Application industry mean.
  • A Quick Ratio of 8.52¬†means the company can pay off $8.52 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Dave Inc:

  • The MRQ is 8.516. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 11.771. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ8.516TTM11.771-3.256
TTM11.771YOY11.586+0.186
TTM11.7715Y7.928+3.843
5Y7.92810Y7.9280.000
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1.4. Solvency of Dave Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Dave assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Dave to Software - Application industry mean.
  • A Debt to Asset Ratio of 0.46¬†means that Dave assets are¬†financed with 46.0% credit (debt) and the remaining percentage (100% - 46.0%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of Dave Inc:

  • The MRQ is 0.460. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.653. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.460TTM0.653-0.193
TTM0.653YOY0.629+0.023
TTM0.6535Y0.576+0.077
5Y0.57610Y0.5760.000
1.4.2. Debt to Equity Ratio

Measures if Dave is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Dave to the¬†Software - Application industry mean.
  • A Debt to Equity ratio of 85.1% means that company has $0.85 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Dave Inc:

  • The MRQ is 0.851. The company is very able to pay all its debts with equity. +2
  • The TTM is 2.116. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ0.851TTM2.116-1.266
TTM2.116YOY1.744+0.372
TTM2.1165Y1.415+0.702
5Y1.41510Y1.4150.000
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2. Market Valuation of Dave Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Dave generates.

  • Above 15 is considered overpriced but¬†always compare¬†Dave to the¬†Software - Application industry mean.
  • A PE ratio of 3.57 means the investor is paying $3.57¬†for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Dave Inc:

  • The EOD is 3.609. Based on the earnings, the company is cheap. +2
  • The MRQ is 3.574. Based on the earnings, the company is cheap. +2
  • The TTM is 35.901. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD3.609MRQ3.574+0.035
MRQ3.574TTM35.901-32.326
TTM35.901YOY-0.350+36.251
TTM35.9015Y9.680+26.221
5Y9.68010Y9.6800.000
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Dave Inc:

  • The EOD is 7.383. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 7.312. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 3.188. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD7.383MRQ7.312+0.071
MRQ7.312TTM3.188+4.124
TTM3.188YOY-0.481+3.669
TTM3.1885Y3.179+0.009
5Y3.17910Y3.1790.000
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Dave is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Software - Application industry mean).
  • A PB ratio of 3.85 means the investor is paying $3.85¬†for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Dave Inc:

  • The EOD is 3.883. Based on the equity, the company is fair priced.
  • The MRQ is 3.846. Based on the equity, the company is fair priced.
  • The TTM is 1.676. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD3.883MRQ3.846+0.037
MRQ3.846TTM1.676+2.169
TTM1.676YOY0.208+1.469
TTM1.6765Y1.112+0.564
5Y1.11210Y1.1120.000
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Dave Inc.

3.1. Institutions holding Dave Inc

Institutions are holding 46.809% of the shares of Dave Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-03-31NVP Associates LLC4.724217.182958267500
2024-03-31Whetstone Capital Advisors, LLC3.24956.5159400785-100418-20.0354
2024-03-31Vanguard Group Inc2.48920.0002307011138914.739
2024-03-31Amvescap Plc.1.61460.00161991361991360
2024-03-31Goldman Sachs Group Inc0.91930.00081133791133790
2024-03-31BlackRock Inc0.76210.00019399679239.205
2024-03-31G2 Investment Partners Management LLC0.72920.884389938899380
2024-03-31Renaissance Technologies Corp0.63730.00467860045900140.367
2024-03-31Geode Capital Management, LLC0.55910.0002689531507827.987
2024-03-31Millennium Management LLC0.40150.000849517495170
2024-03-31Ameriprise Financial Inc0.37620.000546401464010
2024-03-31EAM Investors, LLC0.31550.225238910389100
2024-03-31Qube Research & Technologies0.23570.001729069290690
2024-03-31VGI PARTNERS PTY Ltd0.22490.103627737277370
2024-03-31MYDA Advisors LLC0.20270.265425000250000
2024-03-31State Street Corporation0.189023312570032.3643
2024-03-31Bridgeway Capital Management, LLC0.17030.01592100000
2024-03-31Two Sigma Investments LLC0.14770.001618222182220
2024-03-31BOOTHBAY FUND MANAGEMENT, LLC0.14160.012517464174640
2024-03-31Trexquant Investment LP0.13390.012216512165120
Total 18.223525.232247617+659359+29.3%

3.2. Funds holding Dave Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2024-05-31Vanguard Total Stock Mkt Idx Inv1.73780.000621433100
2024-06-28Invesco Dorsey Wright SmallCap Momt ETF1.73730.71212142752000.0934
2024-06-28iShares Russell 2000 ETF1.55330.00971915831915830
2024-05-31Vanguard Institutional Extnd Mkt Idx Tr0.76710.0042946081072112.7803
2024-06-28iShares Russell 2000 Growth ETF0.56190.019169306693060
2024-05-31EAM Ultra Micro Cap0.31332.12993864100
2024-05-31Fidelity Extended Market Index0.28920.004335666-100-0.2796
2024-03-31Pleiades Small Cap Equity A0.17580.079521686216860
2024-03-31Bridgeway Ultra-Small Company Market0.17030.40482100000
2024-06-28iShares Micro-Cap ETF0.13970.065317231217014.4081
2024-03-31BlackRock Extended Equity Market K0.11550.003614248496253.4353
2024-05-31Fidelity Total Market Index0.09490.000611709-17-0.145
2023-09-30BlackRock Extended Mkt Composite0.08630.00051064400
2024-06-29Avantis US Small Cap Equity ETF0.07590.02639358340.3647
2024-05-31Fidelity Series Total Market Index0.06870.0006847100
2024-03-31CIBC US Broad Market Index0.05440.0164670800
2024-03-31NT Ext Equity Mkt Idx Fd - NL0.04970.00346126177040.6336
2024-05-31Schwab Total Stock Market Index0.04750.0011585500
2024-05-31Fidelity Nasdaq Composite Index0.04720.0016582200
2024-03-31Northern Trust Extended Eq Market Idx0.04590.0034566400
Total 8.13173.4871002932+302315+30.1%

3.3. Insider Transactions

Insiders are holding 17.399% of the shares of Dave Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2024-06-06Dan PrestonSELL1477040.31
2024-05-1032 Fund 1 Lp SectionSELL11000048.9
2024-05-0732 Fund 1 Lp SectionSELL45000048.9
2024-03-14Jason WilkSELL240033.26
2024-03-14Kyle BeilmanSELL418833.26
2024-03-07Yadin RozovBUY80037.31
2024-03-05Dan PrestonSELL1200032.02
2023-12-04Yadin RozovBUY129416.4
2023-09-07Jason WilkSELL12636.53
2023-09-07Kyle BeilmanSELL23506.27
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4. Summary

4.1. Key Performance Indicators

The key performance indicators of Dave Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.4910.297+739%-1.756+170%0.690+261%0.690+261%
Book Value Per Share--9.6587.631+27%10.523-8%7.477+29%7.477+29%
Current Ratio--7.4668.762-15%7.668-3%6.043+24%6.043+24%
Debt To Asset Ratio--0.4600.653-30%0.629-27%0.576-20%0.576-20%
Debt To Equity Ratio--0.8512.116-60%1.744-51%1.415-40%1.415-40%
Dividend Per Share----0%-0%-0%-0%
Eps--2.598-0.075+103%-2.473+195%-1.013+139%-1.013+139%
Free Cash Flow Per Share--1.2701.031+23%-0.495+139%-0.398+131%-0.398+131%
Free Cash Flow To Equity Per Share---4.076-0.305-93%-0.069-98%1.657-346%1.657-346%
Gross Profit Margin--0.734-12.609+1817%1.625-55%-1.750+338%-1.750+338%
Intrinsic Value_10Y_max--80.583--------
Intrinsic Value_10Y_min--66.255--------
Intrinsic Value_1Y_max---0.292--------
Intrinsic Value_1Y_min---0.292--------
Intrinsic Value_3Y_max--5.500--------
Intrinsic Value_3Y_min--5.122--------
Intrinsic Value_5Y_max--18.979--------
Intrinsic Value_5Y_min--17.067--------
Market Cap405851250.000-21%489598681.380182239631.061+169%21803212.574+2146%89000379.599+450%89000379.599+450%
Net Profit Margin--0.465-0.021+105%-0.507+209%-0.313+167%-0.313+167%
Operating Margin--0.073-0.090+222%-0.128+275%-0.157+314%-0.157+314%
Operating Ratio--0.9271.101-16%1.593-42%1.343-31%1.343-31%
Pb Ratio3.883+1%3.8461.676+129%0.208+1752%1.112+246%1.112+246%
Pe Ratio3.609+1%3.57435.901-90%-0.350+110%9.680-63%9.680-63%
Price Per Share37.500+1%37.14014.264+160%1.849+1908%7.261+412%7.261+412%
Price To Free Cash Flow Ratio7.383+1%7.3123.188+129%-0.481+107%3.179+130%3.179+130%
Price To Total Gains Ratio15.054+1%14.9093.220+363%-2.894+119%3.155+372%3.155+372%
Quick Ratio--8.51611.771-28%11.586-26%7.928+7%7.928+7%
Return On Assets--0.1450.007+1932%-0.083+157%-0.069+148%-0.069+148%
Return On Equity--0.269-0.038+114%-0.223+183%-0.145+154%-0.145+154%
Total Gains Per Share--2.4910.297+739%-1.756+170%0.690+261%0.690+261%
Usd Book Value--127314000.00094419000.000+35%123284250.000+3%91867814.286+39%91867814.286+39%
Usd Book Value Change Per Share--2.4910.297+739%-1.756+170%0.690+261%0.690+261%
Usd Book Value Per Share--9.6587.631+27%10.523-8%7.477+29%7.477+29%
Usd Dividend Per Share----0%-0%-0%-0%
Usd Eps--2.598-0.075+103%-2.473+195%-1.013+139%-1.013+139%
Usd Free Cash Flow--16740000.00012762500.000+31%-5842250.000+135%-4755214.286+128%-4755214.286+128%
Usd Free Cash Flow Per Share--1.2701.031+23%-0.495+139%-0.398+131%-0.398+131%
Usd Free Cash Flow To Equity Per Share---4.076-0.305-93%-0.069-98%1.657-346%1.657-346%
Usd Market Cap405851250.000-21%489598681.380182239631.061+169%21803212.574+2146%89000379.599+450%89000379.599+450%
Usd Price Per Share37.500+1%37.14014.264+160%1.849+1908%7.261+412%7.261+412%
Usd Profit--34243000.000-62250.000+100%-27539000.000+180%-14274142.857+142%-14274142.857+142%
Usd Revenue--73630000.00068469000.000+8%55275000.000+33%51862928.571+42%51862928.571+42%
Usd Total Gains Per Share--2.4910.297+739%-1.756+170%0.690+261%0.690+261%
 EOD+2 -6MRQTTM+27 -7YOY+23 -115Y+29 -510Y+29 -5

4.2. Fundamental Score

Let's check the fundamental score of Dave Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-153.609
Price to Book Ratio (EOD)Between0-13.883
Net Profit Margin (MRQ)Greater than00.465
Operating Margin (MRQ)Greater than00.073
Quick Ratio (MRQ)Greater than18.516
Current Ratio (MRQ)Greater than17.466
Debt to Asset Ratio (MRQ)Less than10.460
Debt to Equity Ratio (MRQ)Less than10.851
Return on Equity (MRQ)Greater than0.150.269
Return on Assets (MRQ)Greater than0.050.145
Total9/10 (90.0%)

4.3. Technical Score

Let's check the technical score of Dave Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5052.093
Ma 20Greater thanMa 5034.801
Ma 50Greater thanMa 10039.618
Ma 100Greater thanMa 20038.221
OpenGreater thanClose37.400
Total3/5 (60.0%)



Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in USD. All numbers in thousands.

Summary
Total Assets235,599
Total Liabilities108,285
Total Stockholder Equity127,314
 As reported
Total Liabilities 108,285
Total Stockholder Equity+ 127,314
Total Assets = 235,599

Assets

Total Assets235,599
Total Current Assets218,340
Long-term Assets17,259
Total Current Assets
Cash And Cash Equivalents 55,525
Short-term Investments 44,200
Net Receivables 105,123
Other Current Assets 13,492
Total Current Assets  (as reported)218,340
Total Current Assets  (calculated)218,340
+/-0
Long-term Assets
Property Plant Equipment 1,703
Intangible Assets 13,322
Long-term Assets Other 688
Long-term Assets  (as reported)17,259
Long-term Assets  (calculated)15,713
+/- 1,546

Liabilities & Shareholders' Equity

Total Current Liabilities29,246
Long-term Liabilities79,039
Total Stockholder Equity127,314
Total Current Liabilities
Short-term Debt 310
Accounts payable 9,013
Other Current Liabilities 16,975
Total Current Liabilities  (as reported)29,246
Total Current Liabilities  (calculated)26,298
+/- 2,948
Long-term Liabilities
Long term Debt 75,000
Capital Lease Obligations 770
Long-term Liabilities Other 2,672
Long-term Liabilities  (as reported)79,039
Long-term Liabilities  (calculated)78,442
+/- 597
Total Stockholder Equity
Common Stock1
Retained Earnings -176,077
Accumulated Other Comprehensive Income 3
Other Stockholders Equity 303,387
Total Stockholder Equity (as reported)127,314
Total Stockholder Equity (calculated)127,314
+/-0
Other
Capital Stock1
Cash and Short Term Investments 99,725
Common Stock Shares Outstanding 13,183
Current Deferred Revenue2,948
Liabilities and Stockholders Equity 235,599
Net Debt 20,245
Net Invested Capital 202,314
Net Working Capital 189,094
Property Plant and Equipment Gross 1,703
Short Long Term Debt Total 75,770



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-31
> Total Assets 
76,405
0
0
133,856
147,186
387,774
358,500
334,226
321,492
305,443
296,012
294,447
294,023
235,599
235,599294,023294,447296,012305,443321,492334,226358,500387,774147,186133,8560076,405
   > Total Current Assets 
69,352
75,644
75,644
89,578
100,203
375,008
345,587
322,297
308,568
291,646
281,100
278,369
276,886
218,340
218,340276,886278,369281,100291,646308,568322,297345,587375,008100,20389,57875,64475,64469,352
       Cash And Cash Equivalents 
4,789
0
0
21,307
32,000
23,569
26,379
38,558
22,889
51,754
49,346
43,608
41,759
55,525
55,52541,75943,60849,34651,75422,88938,55826,37923,56932,00021,307004,789
       Short-term Investments 
17,666
0
0
13,755
8,226
278,265
230,430
185,323
169,074
143,254
128,331
126,219
114,178
44,200
44,200114,178126,219128,331143,254169,074185,323230,430278,2658,22613,7550017,666
       Net Receivables 
38,744
0
0
44,868
49,013
61,813
76,086
87,608
104,183
80,161
88,654
97,124
112,846
105,123
105,123112,84697,12488,65480,161104,18387,60876,08661,81349,01344,8680038,744
       Inventory 
4,091
0
0
6,170
14,747
-61,813
-270,433
-87,608
831
824
821
813
0
0
00813821824831-87,608-270,433-61,81314,7476,170004,091
       Other Current Assets 
4,062
49,205
49,205
3,478
4,443
73,174
283,125
98,416
11,591
15,653
13,948
10,605
8,103
13,492
13,4928,10310,60513,94815,65311,59198,416283,12573,1744,4433,47849,20549,2054,062
   > Long-term Assets 
7,053
0
0
44,278
46,983
12,766
12,913
11,929
12,924
13,797
14,912
16,078
17,137
17,259
17,25917,13716,07814,91213,79712,92411,92912,91312,76646,98344,278007,053
       Property Plant Equipment 
1,894
4,099
4,099
3,805
3,387
3,112
2,656
1,710
1,761
1,921
1,988
1,807
1,891
1,703
1,7031,8911,8071,9881,9211,7611,7102,6563,1123,3873,8054,0994,0991,894
       Long Term Investments 
0
0
0
0
0
117
117
87
75
59
41
0
0
0
0004159758711711700000
       Intangible Assets 
4,505
0
0
6,504
7,849
9,090
9,708
9,430
10,163
11,029
12,095
12,725
13,206
13,322
13,32213,20612,72512,09511,02910,1639,4309,7089,0907,8496,504004,505
       Long-term Assets Other 
654
0
0
33,969
35,747
564
549
789
1,000
847
788
1,191
721
688
6887211,1917888471,00078954956435,74733,96900654
> Total Liabilities 
26,561
0
0
81,229
108,449
213,334
195,228
211,001
214,932
205,363
211,894
215,266
206,960
108,285
108,285206,960215,266211,894205,363214,932211,001195,228213,334108,44981,2290026,561
   > Total Current Liabilities 
24,180
24,463
24,463
44,897
68,634
58,790
57,419
63,226
36,417
26,318
31,982
34,881
25,604
29,246
29,24625,60434,88131,98226,31836,41763,22657,41958,79068,63444,89724,46324,46324,180
       Short-term Debt 
4,310
0
0
16,506
37,666
21,674
21,270
20,274
273
265
258
250
298
310
31029825025826527320,27421,27021,67437,66616,506004,310
       Short Long Term Debt 
3,910
0
0
14,608
35,746
20,000
20,000
20,000
0
0
0
0
0
0
00000020,00020,00020,00035,74614,608003,910
       Accounts payable 
8,492
9,792
9,792
14,577
13,044
13,599
21,052
14,654
11,418
4,558
6,268
9,091
5,485
9,013
9,0135,4859,0916,2684,55811,41814,65421,05213,59913,04414,5779,7929,7928,492
       Other Current Liabilities 
2,853
8,736
8,736
777
1,153
23,517
15,097
28,298
24,726
21,495
24,635
24,727
19,821
16,975
16,97519,82124,72724,63521,49524,72628,29815,09723,5171,1537778,7368,7362,853
   > Long-term Liabilities 
2,381
0
0
36,332
39,815
154,544
137,809
147,775
178,515
179,045
179,912
180,385
181,356
79,039
79,039181,356180,385179,912179,045178,515147,775137,809154,54439,81536,332002,381
       Long term Debt Total 
0
0
0
0
0
35,000
35,000
45,000
75,000
75,000
75,000
0
0
0
00075,00075,00075,00045,00035,00035,00000000
       Capital Lease Obligations 
1,488
0
0
3,382
2,890
2,428
1,954
885
823
754
684
612
841
770
7708416126847548238851,9542,4282,8903,382001,488
       Long-term Liabilities Other 
585
0
0
545
119
119,544
127,186
102,775
103,515
104,045
104,912
128
129
2,672
2,672129128104,912104,045103,515102,775127,186119,54411954500585
       Deferred Long Term Liability 
0
158
158
145
131
117
102
87
75
0
41
0
0
0
00041075871021171311451581580
> Total Stockholder Equity
49,844
0
0
52,627
-33,400
174,440
163,272
123,225
106,560
100,080
84,118
79,181
87,063
127,314
127,31487,06379,18184,118100,080106,560123,225163,272174,440-33,40052,6270049,844
   Common Stock
0
0
0
0
1
37
37
37
1
1
1
1
1
1
11111137373710000
   Retained Earnings Total Equity
0
0
0
0
-29,372
-67,732
-65,692
140,311
-161,803
-175,828
-198,446
0
0
0
000-198,446-175,828-161,803140,311-65,692-67,732-29,3720000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
-2,430
-3,026
-1,675
-892
-869
-508
649
3
3649-508-869-892-1,675-3,026-2,430000000
   Capital Surplus 
0
0
0
0
0
242,135
232,453
266,525
270,037
276,799
283,432
0
0
0
000283,432276,799270,037266,525232,453242,13500000
   Treasury Stock00000000000000
   Other Stockholders Equity 
-9,425
-14,901
-14,901
-1,841
-504
242,135
258,472
266,525
270,037
276,799
283,432
290,187
296,733
303,387
303,387296,733290,187283,432276,799270,037266,525258,472242,135-504-1,841-14,901-14,901-9,425



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue259,093
Cost of Revenue-123,836
Gross Profit135,257135,257
 
Operating Income (+$)
Gross Profit135,257
Operating Expense-177,457
Operating Income-42,200-42,200
 
Operating Expense (+$)
Research Development0
Selling General Administrative94,910
Selling And Marketing Expenses48,392
Operating Expense177,457143,302
 
Net Interest Income (+$)
Interest Income5,295
Interest Expense-11,774
Other Finance Cost-0
Net Interest Income-6,479
 
Pretax Income (+$)
Operating Income-42,200
Net Interest Income-6,479
Other Non-Operating Income Expenses0
Income Before Tax (EBT)-48,397-36,003
EBIT - interestExpense = -53,974
-48,397
-36,743
Interest Expense11,774
Earnings Before Interest and Taxes (EBIT)-42,200-36,623
Earnings Before Interest and Taxes (EBITDA)-36,656
 
After tax Income (+$)
Income Before Tax-48,397
Tax Provision-120
Net Income From Continuing Ops-48,517-48,517
Net Income-48,517
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses301,293
Total Other Income/Expenses Net-6,1976,479
 

Technical Analysis of Dave
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Dave. The general trend of Dave is BULLISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Dave's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (14.3%) Bearish trend (-14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Dave Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 49.00 < 63.50.

The bearish price targets are: 28.31 > 27.12 > 20.50.

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Dave Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging¬†trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Dave Inc. The current mas is .

The long score for the Moving Averages is 8/14.
The longshort score for the Moving Averages is 2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Dave Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a¬†lagging momentum¬†indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Dave Inc. The current macd is 0.26366003.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Dave price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Dave. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Dave price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Dave Inc Daily Moving Average Convergence/Divergence (MACD) ChartDave Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Dave Inc. The current adx is 18.36.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Dave shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Dave Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows¬†the current trend.
  • Shows¬†potential entry signals.
  • Shows¬†¬†potential exit signals.
  • Can be used to place¬†trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Dave Inc. The current sar is 32.91.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Dave Inc Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum¬†indicator, meaning the signals are instant.
  • Ranges¬†between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Dave Inc. The current rsi is 52.09. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Dave Inc Daily Relative Strength Index (RSI) ChartDave Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading¬†momentum¬†indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges¬†between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Dave Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 2/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Dave price going down in the near term. -2
  • Trending up: The STOCH %K is trending up. +1
Dave Inc Daily Stochastic Oscillator ChartDave Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,¬†the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Dave Inc. The current cci is 62.15.

Dave Inc Daily Commodity Channel Index (CCI) ChartDave Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Dave Inc. The current cmo is 8.20092688.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Dave Inc Daily Chande Momentum Oscillator (CMO) ChartDave Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and¬†-100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Dave Inc. The current willr is -40.62038405.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Dave is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Dave Inc Daily Williams %R ChartDave Inc Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold¬†

Score

Let's take a look at the Bollinger Bands of Dave Inc.

Dave Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Dave Inc. The current atr is 3.10093972.

Dave Inc Daily Average True Range (ATR) ChartDave Inc Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Dave Inc. The current obv is 5,618,834.

Dave Inc Daily On-Balance Volume (OBV) ChartDave Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Dave Inc. The current mfi is 67.61.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Dave Inc Daily Money Flow Index (MFI) ChartDave Inc Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Dave Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2024-02-29STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-01SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-04CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-06RSI SHORT ENTRY LONG CLOSE70 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-03-11MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-13STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-03-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-04-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-04-09SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-04-11STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-04-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-04-16STOCH SHORT EXITThe %K line crosses above the %D line.
2024-04-17STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-04-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-04-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-04-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-04-24MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-04-25STOCH LONG EXITThe %K line crosses below the %D line.
2024-04-26STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-04-29ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-04-30RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-05-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-07STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-05-08RSI SHORT ENTRY LONG CLOSE70 crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-05-09STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-10RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-14SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-15STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-16MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-05-17STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-20STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-05-21WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-05-24DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-05-28STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-29DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-05-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-05-31SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-06-03DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-06-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-06WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-06-10STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-06-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-13STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-06-14STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-17DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-06-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-06-24SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-06-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-06-26MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-06-28STOCH SHORT EXITThe %K line crosses above the %D line.
2024-07-01STOCH LONG EXITThe %K line crosses below the %D line.
2024-07-03STOCH SHORT EXITThe %K line crosses above the %D line.
2024-07-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-07-11SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-07-15WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-07-16CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-07-17STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-07-18ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-07-19MFI SHORT ENTRY LONG CLOSE80 crossover to downside

6.3. Candlestick Patterns

Dave Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Dave Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5052.093
Ma 20Greater thanMa 5034.801
Ma 50Greater thanMa 10039.618
Ma 100Greater thanMa 20038.221
OpenGreater thanClose37.400
Total3/5 (60.0%)
Penke

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