Dave Inc./DE vs Nu Holdings Ltd., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Dave is a feature that became a company, cash advances and budgeting for paycheck-to-paycheck Americans at a 37.2% net margin; Nu is a bank that became a movement, full-stack accounts for a Latin American generation at 17.1%. The margin favors the niche, the scale favors the platform: $63B of Nu against $5B of Dave, multiples of 32 and 22.4. Both are debt-free with real returns, Nu at 25.8% on equity, Dave's headline 110% deflating to a still-remarkable 42.4% on assets. The pair prices depth against breadth in consumer fintech; the market pays the platform premium, and the niche pays the shareholder better per dollar meanwhile.
Comparison updated 2026-07-10.
| Metric | DAVE | NU |
|---|---|---|
| Price | $348.69 | $13.15 |
| Market cap | $5.0B | $63.0B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 22.4 | 32.0 |
| P/B | 24.64 | 8.24 |
| P/S | 8.30 | 5.47 |
| EV/EBITDA | 3009.7 | — |
| Revenue growth | +59.1% | +105.9% |
| Gross margin | — | 45.6% |
| Net margin | 37.2% | 17.1% |
| Return on equity | 110.4% | 25.8% |
| Return on assets | 42.4% | 4.0% |
| Debt / equity | 0.00 | 0.00 |
| Current ratio | 3.86 | — |
| Altman Z (solvency) | 8.21 | 1.12 |
| Piotroski F (quality) | 7 / 9 | 9 / 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.