Chime Financial, Inc. vs Dave Inc./DE, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
What is priced in runs opposite to size: Dave, the $5B cash-advance app, trades at 22.4 times real earnings with a 37.2% net margin and a 110% return on equity (a small, buyback-and-scale-inflated base doing the exaggerating; the 42.4% return on assets is the honest astonishment); Chime, the $8B neobank, has no earnings to price, a negative 41.9% net margin under IPO-era costs. The little one already works; the big one is still being built. Both are debt-free. The market pays $3B more for Chime's brand and member base than for Dave's demonstrated machine, which is a bet that scale eventually beats efficiency; the income statements, for now, vote the other way.
Comparison updated 2026-07-10.
| Metric | CHYM | DAVE |
|---|---|---|
| Price | $20.26 | $348.69 |
| Market cap | $8.1B | $5.0B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | — | 22.4 |
| P/B | 5.63 | 24.64 |
| P/S | 3.50 | 8.30 |
| EV/EBITDA | — | 3009.7 |
| Revenue growth | +30.4% | +59.1% |
| Gross margin | 89.6% | — |
| Operating margin | 7.1% | — |
| Net margin | -41.9% | 37.2% |
| Return on equity | -67.3% | 110.4% |
| Return on assets | -49.7% | 42.4% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 5.07 | 3.86 |
| Altman Z (solvency) | 5.74 | 8.21 |
| Piotroski F (quality) | 7 / 9 | 7 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.