DAVE PEER ANALYSIS

Dave Inc — metric-by-metric comparison with peers and the industry median

DAVEDave Inc

🇺🇸 USA · NASDAQ · Technology · Software - Application

Value it Duel

Overall Profile & Returns

· Software - Application

Position Within Industry

0 = weak quartile, 100 = strong quartile

DAVEIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	DAVE	TNE	DSG	ODINE	WTC	OTEX	Ind. Median
P/E	24.57	71.91	35.73	—	77.27	11.29●	30.66
P/B	27.13	23.76	3.86	86.65	4.60	1.46●	4.33
EV/EBITDA	25.72	36.32	18.40	2,060.56	21.23	6.99●	16.27
P/S	9.14	16.12	8.31	86.61	7.70	1.12●	3.53

Financial Health
Metric	DAVE	TNE	DSG	ODINE	WTC	OTEX	Ind. Median
Current Ratio	3.86●	1.08	2.05	2.01	1.38	0.92	1.45
Debt/Equity	131.6%	11.5%	0.5%●	3.9%	135.3%	161.9%	32.2%
NetDebt/EBITDA	0.42	-0.71	-1.15	-6.51●	4.27	3.30	-0.05

Profitability
Metric	DAVE	TNE	DSG	ODINE	WTC	OTEX	Ind. Median
Net Margin	37.2%●	22.4%	23.4%	1.2%	15.2%	9.9%	8.1%
ROE	111.6%●	33.5%	11.5%	1.3%	9.4%	12.6%	11.5%
ROA	53.2%●	18.2%	9.7%	1.0%	4.7%	3.8%	4.7%
EBITDA Margin	36.1%	43.5%	42.5%	4.2%	45.4%●	30.3%	16.0%

Growth + Dividend
Metric	DAVE	TNE	DSG	ODINE	WTC	OTEX	Ind. Median
Rev. Growth	58.5%●	14.5%	13.5%	36.3%	40.9%	-0.9%	13.4%
NI Growth	329.0%●	6.4%	22.3%	-95.6%	-21.9%	-21.9%	9.5%
Div. Yield	—	0.9%	—	0.0%	0.5%	3.3%●	1.0%
Payout	—	84.5%	—	0.0%	28.9%	52.6%	17.6%

Valuation
Metric	DAVE	PEGA	YOU	ESTC	APPF	DUOL	Ind. Median
P/E	24.57	16.90	46.10	17.03	42.28	15.30●	30.66
P/B	27.13	8.16	30.48	4.91	13.66	4.64●	4.33
EV/EBITDA	25.72	25.01	—	75.98	31.57	24.34●	16.27
P/S	9.14	3.39●	5.99	3.60	6.46	5.88	3.53

Financial Health
Metric	DAVE	PEGA	YOU	ESTC	APPF	DUOL	Ind. Median
Current Ratio	3.86●	1.22	1.01	1.59	3.52	2.62	1.45
Debt/Equity	131.6%	10.2%	—	46.3%	7.9%	6.6%●	32.2%
NetDebt/EBITDA	0.42	-1.88	—	-10.82●	-0.57	-5.32	-0.05

Profitability
Metric	DAVE	PEGA	YOU	ESTC	APPF	DUOL	Ind. Median
Net Margin	37.2%	20.0%	13.0%	21.1%	15.3%	38.4%●	8.1%
ROE	111.6%●	51.7%	81.2%	33.4%	32.6%	37.0%	11.5%
ROA	53.2%●	23.7%	9.7%	12.8%	26.5%	24.4%	4.7%
EBITDA Margin	36.1%●	12.6%	28.4%	4.1%	20.1%	19.8%	16.0%

Growth + Dividend
Metric	DAVE	PEGA	YOU	ESTC	APPF	DUOL	Ind. Median
Rev. Growth	58.5%●	3.5%	17.4%	17.3%	20.7%	35.5%	13.4%
NI Growth	329.0%	73.2%	-30.5%	—	-22.8%	336.6%●	9.5%
Div. Yield	—	0.3%	0.9%●	—	—	—	1.0%
Payout	—	5.3%	73.4%	—	—	—	17.6%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.