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Dave Inc. (DAVE) vs NIQ Global Intelligence plc (NIQ)

Dave Inc. and NIQ Global Intelligence plc are both Software Application companies. NIQ Global Intelligence plc is the larger, with a market value of $5.6B against $4.7B — 1.2× the size. NIQ Global Intelligence plc has negative trailing earnings, so its P/E is not meaningful; Dave Inc. trades at 22.0×. Dave Inc. grew revenue faster over the last twelve months: 48.6% against 10.4%. Dave Inc. has the higher net margin (34.6% vs −8.01%) and the higher return on invested capital (62.1% vs 1.25%). Across the 19 metrics below, Dave Inc. leads on 15 and NIQ Global Intelligence plc on 4.

Valuation

Metric DAVE NIQ Software Application median
P/E 22.01 n/m 25.41
P/S 7.21 1.25 2.73
P/B 22.31 4.78 2.57
Price to free cash flow 14.53 20.66 17.58
EV/EBITDA 20.25 11.39 15.36
EV/Sales 7.23 1.96 2.59
Earnings yield 4.54% (6.56%) 0.00%
Free cash flow yield 6.88% 4.84% 2.24%

Profitability

Metric DAVE NIQ Software Application median
Gross margin 100.00% 55.40% 67.03%
Operating margin 34.52% 1.95% 0.00%
Net margin 34.59% (8.01%) 0.00%
Free cash flow margin 49.59% 6.05% 5.01%
Return on equity 104.78% (45.19%) 0.00%
Return on assets 47.66% (5.17%) 0.00%
Return on invested capital 62.13% 1.25% 0.00%

Growth

Metric DAVE NIQ Software Application median
Revenue growth (TTM) 48.63% 10.42% 12.48%
EPS growth (last fiscal year) 222.91% 59.15% 32.26%
Revenue growth, 5-year CAGR — — 14.21%
Net income growth, 5-year CAGR 0.00% — 0.00%

Health

Metric DAVE NIQ Software Application median
Debt to equity 1.29 3.09 0.02
Current ratio 4.22 1.09 1.52
Net debt to EBITDA (0.24) 4.04 0.08

Dividend

Metric DAVE NIQ Software Application median
Dividend yield — — 0.95%
Payout ratio — — 0.29

Size

Metric DAVE NIQ Software Application median
Market cap 4.71b 5.59b 357.77m

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