Dave Inc./DE vs Synchrony Financial, two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin gap runs nearly two to one in the newcomer's favor: Dave keeps 37.2 cents of each revenue dollar advancing paychecks, Synchrony 19.3 financing store cards. The multiple gap runs nearly three to one the same direction, 22.4 against 8.1 times, so the market is paying up for the app's growth and marking down the book's maturity. Synchrony answers with income and scale, a 1.5% dividend, $27B of value, a 21.9% return on equity earned the traditional way against Dave's small-base 110%. Free-cash figures, 36.2% and 6.5%, both need their footnotes for opposite reasons. New consumer credit and old, both profitable, priced as different species; the borrowers, it might be noted, overlap considerably.
Comparison updated 2026-07-10.
| Metric | DAVE | SYF |
|---|---|---|
| Price | $348.69 | $78.62 |
| Market cap | $5.0B | $27.2B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 22.4 | 8.1 |
| P/B | 24.64 | 1.65 |
| P/S | 8.30 | 1.46 |
| EV/EBITDA | 3009.7 | 161.3 |
| Revenue growth | +59.1% | +3.1% |
| Net margin | 37.2% | 19.3% |
| Return on equity | 110.4% | 21.9% |
| Return on assets | 42.4% | 3.0% |
| Dividend yield | — | 1.5% |
| Debt / equity | 0.00 | 1.00 |
| Current ratio | 3.86 | — |
| Altman Z (solvency) | 8.21 | 0.60 |
| 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.