Profitability
Weight: 25%
C-
48
- 5yr Avg ROIC 3.3%
- 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
17
- 5yr Avg ROE 3.2%
- 5yr Share-Count CAGR 5.6%
Growth Quality
Weight: 25%
A+
100
- 5yr Revenue CAGR 38.0%
- 5yr EPS CAGR 222.9%
- 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 -0.03x
- Interest Coverage (EBIT/Int) 24.86x
- Altman Z-Score 9.16
Stability
Weight: 5%
A
90
- EPS Volatility (σ/μ) 0.00
- Piotroski F-Score 6
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 added; 2 trimmed.
- Holders
- 3
- Avg Δ position
- +186.8%
- New buys
- 0
- Full exits
- 0