Dave vs SoFi Technologies
DAVE and SOFI side by side, both in finance services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How DAVE and SOFI compare
SoFi Technologies is the larger company, worth 5.4 times as much as Dave ($21.6B against $4.0B).
On earnings, Dave is cheaper: it trades at 20.5× trailing earnings, against 34.9× for SoFi Technologies.
Dave grew revenue faster over the last twelve months (48.6% versus 9.2% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 104% compared with 34.6% at Dave.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | DAVE | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $4.0B | $21.6B |
| Share price | $316.79 | $16.76 |
| Change, 1 year | 29.9% | −45.8% |
| Change, 5 years | −0.80% | −25.7% |
| Beta (5Y) | 2.09 | 2.09 |
| Employees | 280 | 6,100 |
| StockData Score | ||
| Total score | 9 | 9 |
| Valuation score | 2 (better) | 0 |
| Growth score | 2 | 2 |
| Performance score | 3 | 3 |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 20.5× (better) | 34.9× |
| P/S | 6.3× (better) | 35.5× |
| P/B | 19.4× | 2.0× (better) |
| EV/EBITDA | 17.0× | – |
| P/FCF | 12.4× | – |
| FCF yield | 8.1% (better) | −40.6% |
| Fair value | $305.37 | $9.58 |
| Margin of safety | −3.7% (better) | −74.9% |
| Growth | ||
| Revenue growth (TTM) | 48.6% (better) | 9.2% |
| Revenue growth, 5Y average | – | 43.1% |
| Net income growth (TTM) | 304% (better) | 13.3% |
| EPS growth (TTM) | 308% (better) | 2.1% |
| Profitability | ||
| Gross margin | – | −13.8% |
| Net margin | 34.6% | 104% (better) |
| FCF margin | 50.7% (better) | −1441% |
| Return on equity | 105% (better) | 7.1% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Current ratio | 4.22 | – |
| Altman Z-score | 8.91 (better) | 0.26 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | 6.0% (better) | −15.1% |
| Shareholder yield | 6.0% (better) | −15.1% |
| Ownership | ||
| Held by institutions | – | 50.7% |
| Held by insiders | 15.2% | 6.9% |
| Insider net buying, 12 months | −$31.5M | −$9.1M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 17.9% |
Go deeper
- DAVE stock overview
- DAVE income statement
- DAVE valuation and score
- SOFI stock overview
- SOFI income statement
- SOFI valuation and score
Other comparisons
For information only, not investment advice. Check the source filings before relying on any figure.