BILL Holdings, Inc. (BILL) vs Dave Inc. (DAVE)
BILL Holdings, Inc. and Dave Inc. are both Software Application companies. Dave Inc. is the larger, with a market value of $4.2B against $3.8B — 1.1× the size. BILL Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; Dave Inc. trades at 19.6×. Dave Inc. grew revenue faster over the last twelve months: 48.6% against 13.0%. Dave Inc. has the higher net margin (34.6% vs −0.68%) and the higher return on invested capital (62.1% vs −1.34%). Across the 19 metrics below, Dave Inc. leads on 12 and BILL Holdings, Inc. on 7.
Valuation
Profitability
| Metric | BILL | DAVE | Software Application median |
|---|---|---|---|
| Gross margin | 80.93% | 100.00% | 67.03% |
| Operating margin | (4.44%) | 34.52% | 0.00% |
| Net margin | (0.68%) | 34.59% | 0.00% |
| Free cash flow margin | 21.45% | 49.59% | 4.32% |
| Return on equity | (0.30%) | 104.78% | 0.00% |
| Return on assets | (0.11%) | 47.66% | 0.00% |
| Return on invested capital | (1.34%) | 62.13% | 0.00% |
Growth
Health
Dividend
Size
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