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 5.9 times as much as Dave ($20.2B against $3.4B).
On earnings, Dave is cheaper: it trades at 21.6× trailing earnings, against 28.4× for SoFi Technologies.
Dave grew revenue faster over the last twelve months (40.6% versus 5.5% for SoFi Technologies).
SoFi Technologies keeps more of each dollar of sales as profit, with a net margin of 120% compared with 28.1% at Dave.
SoFi Technologies scores higher on the StockData Score (10 against 9 for Dave), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | DAVE | SOFI |
|---|---|---|
| Size and price | ||
| Market cap | $3.4B | $20.2B |
| Share price | $267.37 | $15.63 |
| Change, 1 year | 10.8% | −49.5% |
| Change, 5 years | −16.5% | −23.3% |
| Beta (5Y) | 2.10 | 2.04 |
| Employees | 280 | 6,100 |
| StockData Score | ||
| Total score | 9 | 10 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 2 | 2 |
| Performance score | 3 | 3 |
| Health score | 2 | 4 (better) |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 21.6× (better) | 28.4× |
| P/S | 4.9× (better) | 32.7× |
| P/B | 12.5× | 1.8× (better) |
| EV/EBITDA | 13.0× | – |
| P/FCF | 10.5× | – |
| FCF yield | 9.5% (better) | −52.2% |
| Fair value | $229.39 | $14.13 |
| Margin of safety | −16.6% | −10.6% (better) |
| Growth | ||
| Revenue growth (TTM) | 40.6% (better) | 5.5% |
| Revenue growth, 5Y average | – | 43.1% |
| Net income growth (TTM) | 32.5% (better) | 15.2% |
| EPS growth (TTM) | 22.7% (better) | 3.8% |
| Profitability | ||
| Gross margin | – | −20.4% |
| Net margin | 28.1% | 120% (better) |
| FCF margin | 47.0% (better) | −1709% |
| Return on equity | 68.8% (better) | 7.4% |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Current ratio | 4.22 | – |
| Altman Z-score | 8.16 (better) | 0.22 |
| Piotroski F-score | 6 (better) | 3 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.00% |
| Years of dividend growth | – | 0 |
| Buyback yield | 6.6% (better) | −7.8% |
| Shareholder yield | 6.6% (better) | −7.8% |
| Ownership | ||
| Held by institutions | – | 50.7% |
| Held by insiders | 15.2% | 6.9% |
| Insider net buying, 12 months | −$31.5M | −$7.8M (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | – | 18.6% |
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.