Automatic Data Processing Inc (ADP)vsDave Inc (DAVE)
ADP
Automatic Data Processing Inc
$263.87
-3.48%
TECHNOLOGY · Cap: $97.18B
DAVE
Dave Inc
$377.64
-0.36%
TECHNOLOGY · Cap: $5.57B
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 3473% more annual revenue ($21.60B vs $604.62M). DAVE leads profitability with a 37.2% profit margin vs 20.1%. ADP trades at a lower P/E of 22.7x. DAVE earns a higher WallStSmart Score of 68/100 (B-).
ADP
Strong Buy66
out of 100
Grade: B-
DAVE
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-60.5%
Fair Value
$158.82
Current Price
$263.87
$105.05 premium
Margin of Safety
-22.9%
Fair Value
$137.96
Current Price
$377.64
$239.68 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 68 in profit
Strong operational efficiency at 30.2%
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Generating 2.0B in free cash flow
Every $100 of equity generates 110 in profit
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 38.3%
Revenue surging 46.7% year-over-year
Earnings expanding 104.1% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Trading at 16.6x book value
Distress zone — elevated risk
Moderate valuation
Elevated debt levels
Weak financial health signals
Trading at 23.6x book value
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 20.1% and operating margin at 30.2%.
Bull Case : DAVE
The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 37.2% and operating margin at 38.3%. Revenue growth of 46.7% demonstrates continued momentum.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, Price/Book, Altman Z-Score.
Bear Case : DAVE
The primary concerns for DAVE are P/E Ratio, Debt/Equity, Piotroski F-Score.
Key Dynamics to Monitor
ADP profiles as a mature stock while DAVE is a growth play — different risk/reward profiles.
DAVE carries more volatility with a beta of 3.83 — expect wider price swings.
DAVE is growing revenue faster at 46.7% — sustainability is the question.
ADP generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
DAVE scores higher overall (68/100 vs 66/100), backed by strong 37.2% margins and 46.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Dave Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.
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