Last updated:
LIVE
DAVE
Dave Inc. · Financial Technology
$430.49
+50.61% this month
VERSUS
⟷
COMPARE
SOFI
SoFi Technologies, Inc. · Financial Technology
$17.02
-2.30% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
DAVE
2
SOFI
2
Comparison scoreboard
MIXED SETUPAI Score
DAVE 33.9
SOFI ✓35.7
1Y Return
DAVE ✓+111.00%
SOFI -22.95%
Fwd P/E
DAVE ✓20.44
SOFI 21.01
Target Up.
DAVE -9.74%
SOFI ✓+20.91%
Op. Margin
DAVE N/A
SOFI N/A
Metrics last refreshed: 7/17/2026
Quick take
DAVE vs SOFI: Dave vs SoFi Technologies Stock Comparison: AI Score, Valuation, Performance and Upside
Dave is a small neobank focused on cash advances and basic banking for underbanked consumers, while SoFi is a full-service digital bank with a national bank charter, lending across multiple products, and B2B fintech infrastructure through Galileo. SoFi is a much larger, more diversified business; Dave is a small-cap bet on serving the financially underserved segment.
DAVE vs SOFI is a small-cap underbanked neobank vs a full-service digital bank with infrastructure assets — Dave wins if ExtraCash and member growth translate to profitability; SoFi wins if deposit-funded lending, Galileo scale, and product expansion drive durable earnings growth.
Live analysis · updated 7/17/2026
DAVE and SOFI are closely matched — they split the tracked metrics evenly. DAVE leads on both 1-year return (+111.00%) and forward P/E quality (20.44x vs 21.01x for SOFI), a relatively favorable combination of momentum and valuation. Analyst consensus implies meaningfully more upside for SOFI (+20.91%) than for DAVE (-9.74%).
Normalized 1Y performance
DAVE
SOFI
Recent returns
DAVE
SOFI
Analyst price targets & sentiment
DAVE · 11 analysts
STRONG BUYHOLDSTRONG SELL
Strong Buy (1.4/5.0)
Price target range
analyst low$260.00
analyst high$485.00
analyst mean$388.55
current price$430.49
-9.7% upside to analyst mean
SOFI · 19 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.7/5.0)
Price target range
analyst low$12.00
analyst high$30.00
analyst mean$20.58
current price$17.02
+20.9% upside to analyst mean
Who should consider this stock?
DAVE may suit investors who:
- →want speculative small-cap exposure to serving the underbanked consumer segment
- →believe cash advance and earned wage access is a large and durable fintech product category
- →are comfortable with significant profitability uncertainty and small-cap volatility
- →want asymmetric upside from a low market-cap neobank if unit economics improve
SOFI may suit investors who:
- →want a diversified digital bank with lending, financial services, and B2B fintech infrastructure
- →value SoFi's national bank charter as a structural cost-of-capital advantage over non-bank fintechs
- →believe Galileo and Technisys create durable B2B revenue streams that reduce reliance on consumer lending cycles
- →prefer a larger, more established digital banking story with a path to consistent profitability
Performance & AI score
| Metric | DAVE | SOFI |
|---|---|---|
| AI score | 33.9 | 35.7 |
| AI rank | #1899 | #1626 |
| Latest close | $430.49 | $17.02 |
| 1M return | +50.61% | -2.30% |
| 6M return | +124.14% | -35.63% |
| 1Y return | +111.00% | -22.95% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | DAVE | SOFI |
|---|---|---|
| 1Y ago | $21.1K (+111.0%) started 2025-07-17 | $7.7K (-23.0%) started 2025-07-17 |
| 5Y ago | $13.59K (+35.9%) started 2021-07-19 | $11.22K (+12.2%) started 2021-07-19 |
| 10Y ago | $13.73K (+37.3%) started 2021-04-26 | $13.95K (+39.5%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | DAVE | SOFI |
|---|---|---|
| Market cap | $5.47B | $21.83B |
| Trailing P/E | 27.63 | 37.82 |
| Forward P/E | 20.44 | 21.01 |
| Price/Sales | 9.05 | 5.59 |
| EV/Revenue | 9.45 | 5.26 |
| Analyst target | $388.55 | $20.58 |
| Target upside | -9.74% | +20.91% |
Growth, profitability & risk
| Metric | DAVE | SOFI |
|---|---|---|
| Revenue growth | 46.70% | 42.50% |
| Earnings growth | 104.10% | 101.20% |
| EPS growth | +104.10% | +101.20% |
| FCF margin | +14.18% | N/A |
| Operating margin | N/A | N/A |
| Profit margin | 37.21% | 14.76% |
| ROIC proxy | 111.59% | 6.60% |
| Return on equity | 111.59% | 6.60% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 3.83 | 2.15 |
| Debt/equity | 131.62 | 17.72 |
| Current ratio | 3.86 | 1.12 |
| Quick ratio | 1.53 | 0.49 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
DAVE max drawdown39.11%
SOFI max drawdown52.96%
DAVE max wkly drop23.95%
SOFI max wkly drop20.11%
5Y risk snapshot
DAVE max drawdown99.01%
SOFI max drawdown81.54%
DAVE max wkly drop50.65%
SOFI max wkly drop24.27%
10Y risk snapshot
DAVE max drawdown99.01%
SOFI max drawdown83.32%
DAVE max wkly drop50.65%
SOFI max wkly drop24.27%
Performance metrics by period
| Period | Metric | DAVE | SOFI |
|---|---|---|---|
| 1Y | Growth | +111.00% | -22.95% |
| CAGR | +111.11% | -22.97% | |
| Sharpe ratio | 1.35 | -0.27 | |
| Max drawdown | 39.11% | 52.96% | |
| Max daily drop | 17.89% | 15.44% | |
| Max wkly drop | 23.95% | 20.11% | |
| 5Y | Growth | +35.89% | +12.19% |
| CAGR | +6.33% | +2.33% | |
| Sharpe ratio | 0.50 | 0.30 | |
| Max drawdown | 99.01% | 81.54% | |
| Max daily drop | 36.91% | 15.44% | |
| Max wkly drop | 50.65% | 24.27% | |
| 10Y | Growth | +37.27% | +39.51% |
| CAGR | +6.25% | +6.21% | |
| Sharpe ratio | 0.48 | 0.37 | |
| Max drawdown | 99.01% | 83.32% | |
| Max daily drop | 36.91% | 15.44% | |
| Max wkly drop | 50.65% | 24.27% |
Business comparison
| Category | DAVE | SOFI |
|---|---|---|
| Company | Dave Inc. | SoFi Technologies, Inc. |
| Sector | Financial Technology | Financial Technology |
| Industry | N/A | N/A |
| Core business | Consumer neobank focused on cash advance, budgeting, and checking accounts for underbanked Americans. Dave's ExtraCash product provides small-dollar advances up to $500 without credit checks, generating revenue through optional tips and express fees. | Full-service digital bank with a national bank charter, offering personal loans, student loan refinancing, mortgages, credit cards, brokerage, and SoFi Money checking. SoFi also operates Galileo (fintech infrastructure) and Technisys (core banking platform). |
| Investor focus | ExtraCash advance volume, monthly member growth, ARPU expansion, and path to profitability for a small-cap neobank. | Member growth, lending product net interest margin, deposit growth enabling cheaper funding, and Galileo/Technisys B2B revenue from fintech clients. |
DAVE strengths
- →ExtraCash cash advance product fills a meaningful gap for paycheck-to-paycheck consumers without the predatory fees of traditional payday lenders
- →Low-cost digital model enables Dave to serve underbanked customers that traditional banks avoid
- →Small market cap means any improvement in unit economics creates significant shareholder value
SOFI strengths
- →National bank charter enables SoFi to take deposits and fund loans at lower cost than non-bank fintech lenders
- →Diversified product portfolio across lending, financial services, and B2B infrastructure reduces single-product risk
- →Galileo and Technisys create durable B2B fintech infrastructure revenue independent of SoFi's consumer business
Risks to watch — DAVE
- →Dave is a very small-cap fintech with significant profitability uncertainty and competitive pressure from larger neobanks
- →Cash advance business is inherently risky in recessions as default rates rise among financially stressed users
- →Regulatory risk around cash advance and earned wage access products is increasing at the CFPB
Risks to watch — SOFI
- →Student loan refinancing, SoFi's original core product, has been heavily impacted by federal student loan policy uncertainty
- →Personal loan credit quality and net charge-offs are a key risk in a slowing consumer credit environment
- →SoFi's path to sustained profitability requires sustained deposit growth to fund loans at competitive rates
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