COMP <GO>
DAVE vs MS // RETURN ON INVESTED CAPITAL (ROIC)
Dave Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: DAVE 7
— MS 5
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: DAVE
LAST: $321.88 (+1.61%) • MKT CAP: $4.04B
roic
55.30%
LAST: $185.73 (+0.78%) • MKT CAP: $289.46B
roic
3.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 55.30% | 3.00% | +52.30 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 31.0x | -13.50 | DAVE | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | -7.25% | +14.03 | DAVE | /fcf-yield <GO> |
| Operating Margin | 43.10% | 24.60% | +18.50 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 20.20% | +15.20 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 5.50% | +54.20 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 5/9 | +4.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.2 | 44.1 | -2.90 | MS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.04 | -0.08 | MS | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 16.5x | +1.80 | MS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.04B | $289.46B | -$285.41B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | MS REV | DAVE GROSS % | MS GROSS % | DAVE FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $55.71B | — | — | $289.7M | -$17.89B |
| FY 2024 | $347.1M | $44.24B | — | — | $124.9M | $1.36B |
| FY 2023 | $259.1M | $30.02B | — | — | $22.1M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
MS // BETA 1.04