Dave Inc (9U8.DU)

Free Benjamin Graham (Value Investing) analysis for 9U8.DU stock, as Warren Buffett recommends for Intelligent Investors.

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Graham Ratings
A Defensive Graham grade requires that all ratings — except the last four — be 100% or more.
Utilities and Financials must have the last two ratings exceed 100% instead of the first three.
An Enterprising Graham grade requires that ratings #2 to #5 exceed — 75%, 90%, 50% and 5%.
Size in Sales (100% ⇒ 500 Million): 
110.84%
Current Assets ÷ [2 x Current Liabilities]: 
191.54%
Net Current Assets ÷ Long-Term Debt: 
100.00%
Earnings Stability (100% ⇒ 10 Years): 
20.00%
Dividend Record (100% ⇒ 20 Years): 
0.00%
Earnings Growth (100% ⇒ 33% Growth): 
0.00%
Graham Number(%): 
0.00%
NCAV or Net-Net(%): 
0.00%
[2 x Equity] ÷ Debt: 
523.77%
Size in Assets (100% ⇒ 250 Million): 
194.97%

Rating Score = 5.5

Graham Result
Intrinsic Value is the price corresponding to a stock's Graham Grade: Defensive, Enterprising or NCAV (Net-Net).
Intrinsic Value(%) is Intrinsic Value ÷ Previous Close, expressed as a percentage.
Price calculations are adjusted for Splits and Bonuses after the given Fiscal Year.
Defensive Price (Graham №): 
51.62
Enterprising Price (Serenity №): 
63.74
NCAV Price (Net-Net): 
22.29
Graham Grade: 
NCAV (Net-Net)
Intrinsic Value: 
22.29
Previous Close: 
0.00
Intrinsic Value(%): 
0.00%
Fiscal Year: 2025-12-31
Splits [From:To]: None
Currency: USD

Dave Inc (9U8.DU) clears Graham's qualitative criteria for the NCAV (Net-Net) investment grade. Therefore, its Intrinsic Value is equivalent to its NCAV (Net-Net) Price. However, since its Previous Close is Zero, 9U8.DU's Intrinsic Value(%) too evaluates to Zero.

Financial Condition
Sales and Balance Sheet figures used to calculate Graham Ratings, and the Net Current Asset Value (NCAV / Net-Net).
Utilities and Financials are evaluated using Total Assets and Equity:Debt; instead of Sales, Current Assets and Current Liabilities.
Any Preferred Stock listed below includes both Redeemable and Non-Redeemable components.
Annual Sales: 
554.18 Million
Current Assets: 
436.70 Million
Total Assets: 
487.42 Million
Current Liabilities: 
114.00 Million
Long-Term Debt: 
0.00 Million
Total Liabilities: 
134.69 Million
Preferred Stock: 
0.00 Million
Shares Outstanding: 
13.55 Million
Currency: 
USD
Per Share Values
BVPS, TBVPS and EPS values used to calculate the Defensive Price (Graham Number) and the Enterprising Price (Serenity Number).
Defensive and Enterprising grades require 10 and 5 years of uninterrupted positive earnings. NCAV (Net-Net) requires a positive TTM EPS.
EPS years 11 and 12 are used for the 10-year Earnings Growth calculation using 3-year averages.
Book Value Per Share (BVPS): 
26.03
Tangible Book Value Per Share (TBVPS): 
25.02
Earnings Per Share (EPS): 
13.53
EPS - TTM: 
15.55
EPS - 2 Years Ago: 
4.19
EPS - 3 Years Ago: 
-4.07
EPS - 4 Years Ago: 
-11.12
EPS - 5 Years Ago: 
-1.72
EPS - 6 Years Ago: 
-0.60
EPS - 7 Years Ago: 
0.07
EPS - 8 Years Ago: 
0.00
EPS - 9 Years Ago: 
0.00
EPS - 10 Years Ago: 
0.00
EPS - 11 Years Ago: 
0.00
EPS - 12 Years Ago: 
0.00
Currency: 
USD
Dividend History
Defensive Graham investment requires 20 years of uninterrupted dividends.
Enterprising Graham investment requires a current dividend (1 year).
Last Fiscal Year: 
None
2 Years Ago: 
None
3 Years Ago: 
None
4 Years Ago: 
None
5 Years Ago: 
None
6 Years Ago: 
None
7 Years Ago: 
None
8 Years Ago: 
None
9 Years Ago: 
None
10 Years Ago: 
None
11 Years Ago: 
None
12 Years Ago: 
None
13 Years Ago: 
None
14 Years Ago: 
None
15 Years Ago: 
None
16 Years Ago: 
None
17 Years Ago: 
None
18 Years Ago: 
None
19 Years Ago: 
None
20 Years Ago: 
None
About Stock
Graham analyses are done almost exclusively with annual data, ending in the given Fiscal Year.
Use the buttons below to analyze the stock yourself, or to discuss this analysis on the forum.
Use APIs or Spreadsheet plugins to include 30+ years of financials and various other metrics.
Ticker Symbol: 
9U8.DU
Stock Exchange: 
Duesseldorf
Market Identifier Code (MIC): 
XDUS
Country (HQ): 
US
Fiscal Year: 
2025-12-31
GICS Sector: Financials
Data Source: Finnhub Stock API
Currency: USD

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Submitted by GrahamValue. Created on Friday 20th March 2026. Updated on Saturday 16th May 2026.