Profitability
Weight: 25%
D
36
- 5yr Avg ROIC -0.8%
- Operating Margin Trend +15.13 pp/yr
DAVE
Dave Inc.
AlphaQuality composite grade, weighted for platform & compounding fcf businesses.
⚠ 3 of the last 5 fiscal years showed negative net income — AlphaQuality will not grade above F for persistent unprofitability in a platform & compounding fcf business.
Grade overrides the 30.0 pillar composite — hard gates always win.
Capital Efficiency
Weight: 15%
F
2
- 5yr Avg ROE -28.2%
- 5yr Share-Count CAGR 4.5%
Growth Quality
Weight: 25%
A+
100
- 5yr Revenue CAGR 35.4%
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 20%
A-
81
- 5yr FCF Margin 13.4%
- 5yr FCF/NI Conversion 1.82x
Balance Sheet
Weight: 10%
A+
98
- Net Debt / EBITDA -0.25x
- Interest Coverage (EBIT/Int) 24.86x
- Altman Z-Score 24.49
Stability
Weight: 5%
A-
82
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 6
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 2 added; 1 trimmed.
- Holders
- 3
- Avg Δ position
- +72.8%
- New buys
- 0
- Full exits
- 0