COMP <GO>
DAVE vs JPM // 10Y YIELD & FRED MACRO BETA
Dave Inc. (NASDAQ) VS. JPMorgan Chase & Co. (NYSE) • 15-METRIC TALLY: DAVE 6
— JPM 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: JPM
LAST: $321.88 (+1.61%) • MKT CAP: $4.04B
macro-sensitivity
0.96
LAST: $340.58 (+1.05%) • MKT CAP: $895.92B
macro-sensitivity
1.00
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (DAVE VS. JPM)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | DAVE | JPM | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 55.30% | 17.37% | +37.93 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 17.5x | 9.8x | +7.71 | JPM | /valuation <GO> |
| Free Cash Flow Yield | 6.78% | -17.93% | +24.71 | DAVE | /fcf-yield <GO> |
| Operating Margin | 43.10% | 42.07% | +1.03 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 35.40% | 32.63% | +2.77 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 59.70% | 13.53% | +46.17 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 1.94% | -1.94 | JPM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 0.37 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 2/9 | +7.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 4.77% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 41.2 | 51.2 | -10.00 | JPM | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.96 | 1.00 | -0.04 | JPM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 18.3x | 13.3x | +5.03 | JPM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.04B | $895.92B | -$891.87B | JPM | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | DAVE REV | JPM REV | DAVE GROSS % | JPM GROSS % | DAVE FCF | JPM FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $554.2M | $182.45B | — | — | $289.7M | -$147.78B |
| FY 2024 | $347.1M | $177.56B | — | — | $124.9M | -$42.01B |
| FY 2023 | $259.1M | $158.10B | — | — | $22.1M | $12.97B |
| FY 2022 | — | $128.69B | — | — | — | $107.12B |
| FY 2021 | — | $121.65B | — | — | — | $78.08B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
DAVE // BETA 0.96
JPM // BETA 1.00