Dave Inc (DAVE)vsUber Technologies Inc (UBER)
DAVE
Dave Inc
$350.71
-2.13%
TECHNOLOGY · Cap: $4.62B
UBER
Uber Technologies Inc
$71.67
-1.23%
TECHNOLOGY · Cap: $146.39B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 8480% more annual revenue ($55.23B vs $643.65M). DAVE leads profitability with a 34.6% profit margin vs 17.3%. UBER trades at a lower P/E of 15.9x. UBER earns a higher WallStSmart Score of 64/100 (C+).
DAVE
Buy58
out of 100
Grade: C
UBER
Buy64
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-12.6%
Fair Value
$150.61
Current Price
$350.71
$200.10 premium
Margin of Safety
+0.4%
Fair Value
$71.93
Current Price
$71.67
$0.26 discount
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
Every $100 of equity generates 35 in profit
Earnings expanding 85.5% YoY
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.8B in free cash flow
Areas to Watch
Elevated debt levels
Weak financial health signals
Trading at 21.5x book value
Earnings declined 21.0%
Expensive relative to growth rate
Distress zone — elevated risk
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 : UBER
The strongest argument for UBER centers on Return on Equity, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% demonstrates continued momentum.
Bear Case : DAVE
The primary concerns for DAVE are Debt/Equity, Piotroski F-Score, Price/Book.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
DAVE profiles as a growth stock while UBER is a mature 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.
UBER generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
UBER scores higher overall (64/100 vs 58/100), backed by strong 17.3% margins and 12.2% revenue growth. Both earn "Buy" and "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.
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.
Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
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