Dave Inc (DAVE)vsTurtle Beach Corporation (TBCH)
DAVE
Dave Inc
$350.71
-2.13%
TECHNOLOGY · Cap: $4.62B
TBCH
Turtle Beach Corporation
$12.81
+8.19%
TECHNOLOGY · Cap: $223.51M
Smart Verdict
WallStSmart Research — data-driven comparison
Dave Inc generates 116% more annual revenue ($643.65M vs $297.77M). DAVE leads profitability with a 34.6% profit margin vs -1.1%. DAVE earns a higher WallStSmart Score of 58/100 (C).
DAVE
Buy58
out of 100
Grade: C
TBCH
Hold40
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-12.6%
Fair Value
$150.61
Current Price
$350.71
$200.10 premium
Intrinsic value data unavailable for TBCH.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 110 in profit
Keeps 35 of every $100 in revenue as profit
Strong operational efficiency at 33.0%
Safe zone — low bankruptcy risk
Revenue surging 29.6% year-over-year
Growing faster than its price suggests
Reasonable price relative to book value
Areas to Watch
Elevated debt levels
Weak financial health signals
Trading at 21.5x book value
Earnings declined 21.0%
Grey zone — moderate risk
Smaller company, higher risk/reward
ROE of 1.1% — below average capital efficiency
Revenue declined 0.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : DAVE
The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 34.6% and operating margin at 33.0%. Revenue growth of 29.6% demonstrates continued momentum.
Bull Case : TBCH
The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 0.98 suggests the stock is reasonably priced for its growth.
Bear Case : DAVE
The primary concerns for DAVE are Debt/Equity, Piotroski F-Score, Price/Book.
Bear Case : TBCH
The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity.
Key Dynamics to Monitor
DAVE profiles as a growth stock while TBCH is a turnaround play — different risk/reward profiles.
DAVE carries more volatility with a beta of 3.84 — expect wider price swings.
DAVE is growing revenue faster at 29.6% — sustainability is the question.
DAVE generates stronger free cash flow (68M), providing more financial flexibility.
Bottom Line
DAVE scores higher overall (58/100 vs 40/100), backed by strong 34.6% margins and 29.6% revenue growth. Both earn "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.
Turtle Beach Corporation
TECHNOLOGY · CONSUMER ELECTRONICS · USA
Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.
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