COMP <GO>
DAVE vs CIFR // OPERATING MARGIN
Dave Inc. (NASDAQ) VS. Cipher Digital Inc. (NASDAQ) • 15-METRIC TALLY: DAVE 10
— CIFR 0
▲ OPERATING MARGIN LEADER: DAVE
LAST: $334.80 (+3.75%) • MKT CAP: $4.27B
operating-margins
43.10%
LAST: $8.10 (-8.68%) • MKT CAP: $3.69B
operating-margins
-60.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. CIFR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | CIFR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.30% | -11.50% | +66.80 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | -18.00% | +24.78 | DAVE | /fcf-yield <GO> |
| Operating Margin ACTIVE | 43.10% | -60.00% | +103.10 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | -60.00% | +95.40 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 48.00% | +11.70 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 4/9 | +5.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.2 | 32.2 | +14.00 | DAVE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.96 | 0.92 | +0.04 | DAVE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 23.0x | -4.70 | DAVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.27B | $3.69B | $579.1M | DAVE | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | CIFR REV | DAVE GROSS % | CIFR GROSS % | DAVE FCF | CIFR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $223.9M | — | 63.7% | $289.7M | -$695.9M |
| FY 2024 | $347.1M | $151.3M | — | 58.8% | $124.9M | -$227.0M |
| FY 2023 | $259.1M | $126.8M | — | — | $22.1M | -$99.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
CIFR // BETA 0.92