WallStSmart

Dave Inc (DAVE)vsGoPro Inc (GPRO)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

GoPro Inc generates 18% more annual revenue ($651.54M vs $554.18M). DAVE leads profitability with a 35.3% profit margin vs -14.3%. DAVE earns a higher WallStSmart Score of 70/100 (B).

DAVE

Strong Buy

70

out of 100

Grade: B

Growth: 10.0Profit: 10.0Value: 5.7Quality: 7.8
Piotroski: 4/9Altman Z: 4.86

GPRO

Hold

39

out of 100

Grade: F

Growth: 2.7Profit: 2.0Value: 6.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

DAVEUndervalued (+12.5%)

Margin of Safety

+12.5%

Fair Value

$193.93

Current Price

$271.99

$78.06 discount

UndervaluedFair: $193.93Overvalued

Intrinsic value data unavailable for GPRO.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

DAVE6 strengths · Avg: 10.0/10
Return on EquityProfitability
73.1%10/10

Every $100 of equity generates 73 in profit

Profit MarginProfitability
35.3%10/10

Keeps 35 of every $100 in revenue as profit

Operating MarginProfitability
39.4%10/10

Strong operational efficiency at 39.4%

Revenue GrowthGrowth
62.4%10/10

Revenue surging 62.4% year-over-year

EPS GrowthGrowth
292.4%10/10

Earnings expanding 292.4% YoY

Altman Z-ScoreHealth
4.8610/10

Safe zone — low bankruptcy risk

GPRO1 strengths · Avg: 8.0/10
PEG RatioValuation
0.738/10

Growing faster than its price suggests

Areas to Watch

DAVE1 concerns · Avg: 4.0/10
Price/BookValuation
10.4x4/10

Trading at 10.4x book value

GPRO4 concerns · Avg: 2.8/10
Revenue GrowthGrowth
0.4%4/10

0.4% revenue growth

Market CapQuality
$225.76M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-81.9%2/10

ROE of -81.9% — below average capital efficiency

EPS GrowthGrowth
-93.7%2/10

Earnings declined 93.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : DAVE

The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 35.3% and operating margin at 39.4%. Revenue growth of 62.4% demonstrates continued momentum.

Bull Case : GPRO

The strongest argument for GPRO centers on PEG Ratio. PEG of 0.73 suggests the stock is reasonably priced for its growth.

Bear Case : DAVE

The primary concerns for DAVE are Price/Book.

Bear Case : GPRO

The primary concerns for GPRO are Revenue Growth, Market Cap, Return on Equity.

Key Dynamics to Monitor

DAVE profiles as a growth stock while GPRO is a turnaround play — different risk/reward profiles.

DAVE carries more volatility with a beta of 3.82 — expect wider price swings.

DAVE is growing revenue faster at 62.4% — sustainability is the question.

DAVE generates stronger free cash flow (91M), providing more financial flexibility.

Bottom Line

DAVE scores higher overall (70/100 vs 39/100), backed by strong 35.3% margins and 62.4% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

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.

GoPro Inc

TECHNOLOGY · CONSUMER ELECTRONICS · USA

GoPro, Inc. develops and sells mountable and portable cameras, drones, and accessories in the United States and internationally. The company is headquartered in San Mateo, California.

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