Dave Inc./DE vs Upstart Holdings, Inc., two Mortgage Finance stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where DAVE and UPST diverge most: on debt / equity, DAVE reads 0.95 and UPST reads 0.00; on ev/ebitda, DAVE reads 3349.3 and UPST reads 34.2. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | DAVE | UPST |
|---|---|---|
| Price | $373.61 | $27.45 |
| Market cap | $5.4B | $2.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 24.0 | 67.0 |
| P/B | 26.40 | 3.63 |
| P/S | 8.90 | 2.34 |
| EV/EBITDA | 3349.3 | 34.2 |
| Revenue growth | +59.1% | +63.0% |
| Operating margin | — | -2.4% |
| Net margin | 37.2% | 4.3% |
| Return on equity | 110.4% | 6.7% |
| Return on assets | 42.4% | 1.7% |
| Debt / equity | 0.95 | 0.00 |
| Current ratio | 3.86 | — |
| Altman Z (solvency) | 8.21 | 0.92 |
| Piotroski F (quality) | 7 / 9 | 6 / 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.