Dave Inc. (DAVE) vs monday.com Ltd. (MNDY)

Dave Inc. and monday.com Ltd. are both Software Application companies. monday.com Ltd. is the larger, with a market value of $4.0B against $3.5B — 1.1× the size. Dave Inc. trades at the lower P/E: 18.8× against 39.3×. Dave Inc. grew revenue faster over the last twelve months: 40.6% against 24.2%. Dave Inc. has the higher net margin (28.1% vs 8.87%) and the higher return on invested capital (40.2% vs 0.00%). Across the 20 metrics below, Dave Inc. leads on 14 and monday.com Ltd. on 6.

Valuation

Metric DAVE MNDY Software Application median
P/E 18.80 39.33 25.90
P/S 5.12 3.01 3.04
P/B 12.91 6.65 2.60
Price to free cash flow 11.15 13.94 17.17
EV/EBITDA 15.31 103.67 15.48
EV/Sales 5.14 2.24 2.89
Earnings yield 5.32% 2.54% 0.00%
Free cash flow yield 8.97% 7.17% 1.98%

Profitability

Metric DAVE MNDY Software Application median
Gross margin 100.00% 88.74% 66.89%
Operating margin 32.48% 1.33% 0.00%
Net margin 28.14% 8.87% 0.00%
Free cash flow margin 45.91% 21.56% 5.77%
Return on equity 68.79% 13.39% 0.00%
Return on assets 36.75% 6.77% 0.00%
Return on invested capital 40.20% 0.00% 0.00%

Growth

Metric DAVE MNDY Software Application median
Revenue growth (TTM) 40.57% 24.21% 12.27%
EPS growth (last fiscal year) 222.91% 261.29% 32.11%
Revenue growth, 5-year CAGR — 50.21% 14.34%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric DAVE MNDY Software Application median
Debt to equity 0.27 0.00 0.02
Current ratio 4.22 1.53 1.53
Net debt to EBITDA (0.24) (167.93) 0.09

Dividend

Metric DAVE MNDY Software Application median
Dividend yield — — 1.10%
Payout ratio — — 0.28

Size

Metric DAVE MNDY Software Application median
Market cap 3.51b 3.97b 487.58m

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