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 return on assets, DAVE reads 39.0% and UPST reads 1.9%; on return on equity, DAVE reads 107.1% and UPST reads 7.6%. 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 | $369.28 | $24.09 |
| Market cap | $5.1B | $2.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 23.9 | 46.3 |
| P/B | 24.30 | 2.94 |
| P/S | 7.85 | 1.88 |
| EV/EBITDA | 706.8 | 57.6 |
| Revenue growth | +50.4% | +48.1% |
| Operating margin | — | 4.0% |
| Net margin | 34.6% | 4.8% |
| Return on equity | 107.1% | 7.6% |
| Return on assets | 39.0% | 1.9% |
| Debt / equity | 0.93 | 2.51 |
| Current ratio | 4.22 | — |
| Altman Z (solvency) | 8.23 | 0.85 |
| Piotroski F (quality) | 8 / 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.