DAVE vs UPST
DAVE: Dave is a fintech company offering digital banking and short-term cash advance services to help members manage their personal finances. UPST: Upstart is an AI-powered lending platform that replaces traditional credit scoring with machine learning to help banks approve more borrowers at lower rates.
Side-by-side fundamentals
| Metric | DAVE | UPST | Edge |
|---|---|---|---|
| Price as of 2026-08-21 close | $354.72 | $30.30 | |
| Market cap as of 2026-08-24 | $4.3B | $2.9B | |
| P/E as of 2026-08-24 | 19.12 | 47.67 | DAVE lower |
| PEG as of 2026-08-24 | 0.07 | 1.48 | DAVE lower |
| Net margin as of 2026-08-24 | +34.6% | +4.8% | DAVE higher |
| Gross margin as of 2026-08-24 | n/a | +82.5% | |
| Operating margin as of 2026-08-24 | +34.5% | +4.6% | DAVE higher |
| ROE as of 2026-08-24 | +84.4% | +8.6% | DAVE higher |
| ROA as of 2026-08-24 | +44.0% | +2.2% | DAVE higher |
| Debt / equity as of 2026-08-24 | 1.29 | 2.51 | DAVE lower |
| Revenue growth (YoY) as of 2026-08-24 | +48.6% | +46.3% | DAVE higher |
| Revenue CAGR (3y) SEC XBRL | +39.3% | +7.4% | DAVE higher |
| Beta as of 2026-08-24 | 3.96 | 2.47 | |
| 1-year return as of 2026-08-21 close | +90.4% | -52.3% | DAVE higher |
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.