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 2026-10-08 close | $353.40 | $24.19 | |
| Market cap | $4.5B | $2.4B | |
| P/E as of 2026-10-08 | 22.92 | 44.95 | DAVE lower |
| Net margin FY2025, SEC XBRL | +35.3% | +5.1% | DAVE higher |
| Operating margin | -4.2% | +4.1% | UPST higher |
| ROE FY2025, SEC XBRL | +55.5% | +6.7% | DAVE higher |
| ROA FY2025, SEC XBRL | +40.2% | +1.8% | DAVE higher |
| Debt / equity as of 2026-09-03 | 1.29 | 2.51 | DAVE lower |
| Revenue growth (YoY) as of 2026-09-03 | +48.6% | +46.3% | DAVE higher |
| Revenue CAGR (3y) SEC XBRL | +39.3% | +7.4% | DAVE higher |
| Dividend streak (yrs) SEC XBRL | 0 | 0 | Tie |
| Beta as of 2026-09-03 | 2.30 | 2.63 | |
| 1-year return as of 2026-10-08 close | +69.9% | -53.3% | DAVE higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
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.