COMP <GO>
DAVE vs V // DIVIDEND YIELD & FCF PAYOUT SAFETY
Dave Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: DAVE 5
— V 6
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: V
LAST: $321.88 (+1.61%) • MKT CAP: $4.04B
dividend-safety
0.00%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
dividend-safety
0.63%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.30% | 32.30% | +23.00 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 28.9x | -11.40 | DAVE | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | 2.90% | +3.88 | DAVE | /fcf-yield <GO> |
| Operating Margin | 43.10% | 60.00% | -16.90 | V | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 50.10% | -14.70 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 11.30% | +48.40 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 9/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.2 | 67.7 | -26.50 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 1.06 | -0.10 | V | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 34.0x | -15.70 | DAVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.04B | $738.98B | -$734.94B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | V REV | DAVE GROSS % | V GROSS % | DAVE FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $40.00B | — | — | $289.7M | $21.26B |
| FY 2024 | $347.1M | $35.93B | — | — | $124.9M | $18.33B |
| FY 2023 | $259.1M | $32.65B | — | — | $22.1M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
V // BETA 1.06