COMP <GO>
DAVE vs HSBC // 10Y YIELD & FRED MACRO BETA
Dave Inc. (NASDAQ) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: DAVE 11
— HSBC 2
▲ 10Y YIELD & FRED MACRO BETA LEADER: DAVE
LAST: $316.79 (-5.38%) • MKT CAP: $4.27B
macro-sensitivity
0.96
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
macro-sensitivity
0.92
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.30% | 9.90% | +45.40 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 21.0x | -3.50 | DAVE | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | 2.21% | +4.57 | DAVE | /fcf-yield <GO> |
| Operating Margin | 43.10% | 13.90% | +29.20 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 10.90% | +24.50 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 23.10% | +36.60 | 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 | 3.74 | +18.96 | DAVE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 8/9 | +1.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.80% | 6.60% | +0.20 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 39.9 | 25.0 | +14.85 | DAVE | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.96 | 0.92 | +0.04 | DAVE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 27.6x | -9.30 | DAVE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.27B | $297.33B | -$293.06B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | HSBC REV | DAVE GROSS % | HSBC GROSS % | DAVE FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | — | 44.0% | — | $289.7M | — |
| FY 2024 | $347.1M | — | 44.0% | — | $124.9M | — |
| FY 2023 | $259.1M | — | 44.0% | — | $22.1M | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
HSBC // BETA 0.92