COMP <GO>
DAVE vs ENVA // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Dave Inc. (NASDAQ) VS. Enova International Inc. (NYSE) • 15-METRIC TALLY: DAVE 5
— ENVA 6
■ METRIC PARITY
LAST: $316.79 (-5.38%) • MKT CAP: $4.04B
options-implied-move
—
LAST: $174.09 (-3.84%) • MKT CAP: $4.26B
options-implied-move
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. ENVA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | ENVA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.30% | 17.10% | +38.20 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 7.6x | +9.90 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | 22.00% | -15.22 | ENVA | /fcf-yield <GO> |
| Operating Margin | 43.10% | 23.50% | +19.60 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 9.80% | +25.60 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 18.60% | +41.10 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.2 | 44.5 | -3.30 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.16 | -0.20 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 12.1x | +6.20 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.04B | $4.26B | -$217.4M | ENVA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | ENVA REV | DAVE GROSS % | ENVA GROSS % | DAVE FCF | ENVA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $3.15B | — | 58.1% | $289.7M | $1.68B |
| FY 2024 | $347.1M | $2.66B | — | 57.5% | $124.9M | $1.42B |
| FY 2023 | $259.1M | $2.12B | — | — | $22.1M | $1.07B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
ENVA // BETA 1.16