COMP <GO>
DAVE vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
Dave Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: DAVE 10
— BAC 3
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: DAVE
LAST: $316.79 (-5.38%) • MKT CAP: $4.27B
roic
55.30%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 55.30% | 2.50% | +52.80 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 30.2x | -12.70 | DAVE | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | 2.10% | +4.68 | DAVE | /fcf-yield <GO> |
| Operating Margin | 43.10% | 32.90% | +10.20 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 27.00% | +8.40 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 6.80% | +52.90 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 22.70 | 0.45 | +22.25 | DAVE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 7/9 | +2.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.9 | 27.7 | +12.18 | DAVE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.90 | +0.06 | DAVE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 10.9x | +7.40 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.27B | $357.61B | -$353.34B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | BAC REV | DAVE GROSS % | BAC GROSS % | DAVE FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $113.10B | 44.0% | 44.0% | $289.7M | $7.52B |
| FY 2024 | $347.1M | $105.86B | 44.0% | 44.0% | $124.9M | -$13.57B |
| FY 2023 | $259.1M | $102.77B | 44.0% | 44.0% | $22.1M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
BAC // BETA 0.90