CCC Intelligent Solutions Holdings Inc. (CCC) vs Dave Inc. (DAVE)

CCC Intelligent Solutions Holdings Inc. and Dave Inc. are both Software Application companies. CCC Intelligent Solutions Holdings Inc. and Dave Inc. are of similar size ($4.2B and $4.1B). Dave Inc. trades at the lower P/E: 19.6× against 89.7×. Dave Inc. grew revenue faster over the last twelve months: 48.6% against 11.6%. Dave Inc. has the higher net margin (34.6% vs 3.81%) and the higher return on invested capital (62.1% vs 3.77%). Across the 20 metrics below, Dave Inc. leads on 13 and CCC Intelligent Solutions Holdings Inc. on 7.

Valuation

Metric CCC DAVE Software Application median
P/E 89.73 19.61 24.79
P/S 3.56 6.42 2.67
P/B 2.23 19.88 3.01
Price to free cash flow 12.87 12.95 16.59
EV/EBITDA 15.55 18.05 14.40
EV/Sales 4.60 6.44 2.62
Earnings yield 1.11% 5.10% 0.00%
Free cash flow yield 7.77% 7.72% 1.91%

Profitability

Metric CCC DAVE Software Application median
Gross margin 73.49% 100.00% 67.03%
Operating margin 15.87% 34.52% 0.00%
Net margin 3.81% 34.59% 0.00%
Free cash flow margin 27.65% 49.59% 4.32%
Return on equity 2.17% 104.78% 0.00%
Return on assets 1.19% 47.66% 0.00%
Return on invested capital 3.77% 62.13% 0.00%

Growth

Metric CCC DAVE Software Application median
Revenue growth (TTM) 11.56% 48.63% 12.40%
EPS growth (last fiscal year) (100.00%) 222.91% —
Revenue growth, 5-year CAGR 10.80% — 13.72%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CCC DAVE Software Application median
Debt to equity 0.72 1.29 0.02
Current ratio 1.56 4.22 1.55
Net debt to EBITDA 4.74 (0.24) 0.06

Dividend

Metric CCC DAVE Software Application median
Dividend yield — — 1.25%
Payout ratio 0.00 0.00 0.00

Size

Metric CCC DAVE Software Application median
Market cap 4.08b 4.23b 396.11m

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