ARLP

Alliance Res Partners

Fundamental data last updated:April 13, 2026

company profile

SECTOR

Energy

industry

Thermal Coal

Exchange

Nasdaq

County of HQ

United States

Next Earnings Date

04/27/26

Business Summary

DAVE operates a software-based financial platform model, monetizing through application-layer financial services that scale with user engagement. With 55.50% operating margins, the core engine is digital and asset-light, allowing incremental revenue to translate efficiently into operating profit. A 58.30% ROIC indicates a business model that requires limited incremental capital to grow, reinforcing compounding potential. Its moat is rooted in software scalability, embedded financial workflows, and the ability to extract high-margin economics from recurring platform usage rather than capital-intensive infrastructure.

VALUATION

P/E

11

Market Cap ($M USD)

$3,381

Forward P/E

9.6

PEG

0.8

PRICE TO SALES

1.5

PRICE TO BOOK

1.8

EV / EBITDA

5.60

5-Year Average P/E

DIVIDEND

Yield

9.50%

Annual Payout

$2.50

Payout Ratio

108.30%

Consecutive Years of Dividend Growth

0

5-Year Dividend Growth Rate

-

Financial Health & Profitability

Earnings Per Share

$2.40

Next Year EPS Growth Estimate

$2.73

Next Year Revenue Growth Estimate

3.70%

Return on Equity (ROE)

16.90%

Operating Margin

17.60%

Debt-to-Equity

0.3

Piotroski F-Score

7

Altman Z-Score

3.4

Return on Invested Capital (ROIC)

15.00%%

Current Ratio

2.1

Quick Ratio

Gainseekers Quantitative Analysis

Summary

At 13.7x earnings and just 10.6x forward earnings, the market is pricing DAVE like a low-growth cyclical, not a company delivering 18.80% ROE and a massive 55.50% operating margin. A PEG Forward of 0.2 is extreme relative to a forward EPS of $14.65 versus current EPS of 13.2, implying the market is materially discounting its growth durability. The Altman Z-Score of 14.3 signals negligible bankruptcy risk, while a 3.8 current ratio reinforces strong liquidity. This combination of balance sheet safety and discounted forward multiple suggests a probable mispricing in favor of buyers, assuming earnings estimates hold.

AI Exposure / Tech Reliance

Operating in Software - Application within the Technology sector, DAVE is structurally positioned in a segment that can embed AI-driven automation, underwriting, and personalization directly into its product stack. High operating margins of 55.50% provide room to reinvest in AI integration without compressing profitability. As a Nasdaq-listed software name, it sits in a capital market ecosystem that rewards scalable, data-driven platforms.

The Bull Case

A GARP investor would be drawn to the 10.6 Forward P/E paired with a 0.2 PEG Forward, which signals growth at a price that borders on deep value. The 58.30% ROIC is elite and indicates the company converts invested capital into profit at exceptional rates, reinforcing capital efficiency. Operating margins at 55.50% combined with 18.80% ROE demonstrate a business that is not just growing but doing so with structural profitability. While the Piotroski F-Score of 5 is neutral, it does not negate the strength implied by high ROIC, strong liquidity (3.8 current ratio), and a fortress-like 14.3 Altman Z-Score.

The Bear Case

There are structural concerns the market may be flagging. A Price/Book of 7 and Price/Sales of 4.8 are not deep value metrics, particularly if growth expectations embedded in the 0.2 PEG prove overly optimistic. Debt/Equity at 33.70% is manageable but not trivial, and with a Piotroski F-Score of 5, operational momentum is average rather than robust. The absence of dividend support and a TTM Yield of 0.2 removes downside cushioning, leaving valuation sentiment heavily dependent on continued earnings execution.

Market Sentiment & Smart Money

Short Interest %

1.50%

Analyst Consensus

2

Average Analyst Price Target

$30.75

Institutional Ownership %

17.80%

1-Year Beta

0.15

Insider Buying % (6 Mo)

29.30%%

Distance to 52-Week High

89.20%%

Distance to 52-Week Low

118.40%%