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CPAY vs DAVE
Which Stock Would AI Choose? Corpay, Inc. (CPAY) vs. Dave Inc. (DAVE) Stock Comparison
Key Takeaways
- Dave Inc. (DAVE) has outperformed Corpay, Inc. (CPAY) with 20.76% YTD returns compared to 12.10%, driven by explosive revenue growth.
- CPAY provides greater stability as a larger-cap stock (market cap $22.96B vs. $3.55B for DAVE), appealing to value-oriented investors.
- Both stocks trade at comparable trailing P/E ratios around 20, but DAVE exhibits higher volatility (beta 3.82) versus CPAY's more moderate risk profile.
- DAVE delivered 217% one-year gains amid strong Q4 results (62% revenue growth), while CPAY posted steadier 9.27% annual returns.
- Recent sentiment favors DAVE for growth potential, but CPAY benefits from B2B payment tailwinds and earnings beats.
Introduction
This stock comparison pits Corpay, Inc. (CPAY), a leader in corporate payment solutions, against Dave Inc. (DAVE), an innovative consumer fintech platform. Both operate in the technology sector—CPAY in software infrastructure and DAVE in software applications—making them relevant for investors navigating fintech trends like digital payments and AI-driven banking. Traders seeking relative performance insights, growth versus stability trade-offs, and market positioning will find value here, especially amid recent sector momentum shifts and economic uncertainties.
CPAY Overview and Recent Performance
Corpay, Inc. (CPAY) specializes in business spend management and payment processing solutions, serving corporate clients with fuel cards, cross-border payments, and expense management tools. In recent market activity, CPAY shares have displayed resilience, posting 12.10% YTD gains amid broader business services sector challenges. Sentiment has been bolstered by consistent earnings beats—such as the latest quarterly EPS of $6.04 surpassing estimates—and strategic acquisitions enhancing organic revenue growth. Trading around $337 with a $22.96B market cap, the stock's performance reflects favorable valuation metrics versus peers like Visa, though recent share price softness highlights sensitivity to interest rate dynamics and economic slowdown fears in B2B spending.
DAVE Overview and Recent Performance
Dave Inc. (DAVE) operates a mobile banking app offering cash advances, budgeting tools, and AI-powered credit products like ExtraCash and CashAI. Recent weeks have seen DAVE extend its strong momentum, with shares up 20.76% YTD and over 217% in the past year, trading near $267 and a $3.55B market cap. Key drivers include blockbuster Q4 2025 results—revenue up 62% to $163.7M and net income surging 292%—alongside expansions in AI credit features and upbeat 2026 guidance (25-28% revenue growth). High member growth and ARPU (average revenue per user) gains have fueled optimism, though elevated volatility underscores risks from consumer lending exposure.
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Head-to-Head Comparison
Corpay (CPAY) focuses on B2B models with recurring revenue from payment volumes, offering stability and lower beta amid economic cycles, while Dave (DAVE) targets consumer fintech with high-growth drivers like ARPU expansion (up 36% YoY) but faces risks from credit defaults and competition. Recent momentum favors DAVE (220% 52-week change vs. CPAY's modest gains), yet CPAY edges in scale and profitability margins. Both share tech sector exposure, but DAVE's beta (3.82) signals higher risk versus CPAY's enterprise focus; sentiment tilts toward DAVE for catalysts like AI innovations, trading off against CPAY's valuation appeal.
Tickeron AI Verdict
Tickeron’s AI currently leans toward Dave Inc. (DAVE) over Corpay, Inc. (CPAY), based on superior trend consistency, explosive growth (62% quarterly revenue surge), and relative momentum in recent market positioning. While CPAY offers stability, DAVE's catalysts position it probabilistically stronger for near-term upside, albeit with elevated volatility.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is CPAY is a Hold and DAVE is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
CPAY’s FA Score shows that 1 FA rating(s) are green whileDAVE’s FA Score has 1 green FA rating(s).
- CPAY’s FA Score: 1 green, 4 red.
- DAVE’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
CPAY’s TA Score shows that 3 TA indicator(s) are bullish while DAVE’s TA Score has 3 bullish TA indicator(s).
- CPAY’s TA Score: 3 bullish, 4 bearish.
- DAVE’s TA Score: 3 bullish, 5 bearish.
Price Growth
CPAY (@Computer Communications) experienced а -1.78% price change this week, while DAVE (@Packaged Software) price change was +0.31% for the same time period.
The average weekly price growth across all stocks in the @Computer Communications industry was -1.85%. For the same industry, the average monthly price growth was +0.07%, and the average quarterly price growth was +11.45%.
The average weekly price growth across all stocks in the @Packaged Software industry was -0.76%. For the same industry, the average monthly price growth was -2.47%, and the average quarterly price growth was +12.61%.
Reported Earning Dates
CPAY is expected to report earnings on Aug 12, 2026.
DAVE is expected to report earnings on Aug 12, 2026.
Industries' Descriptions
@Computer Communications (-1.85% weekly)Computer communications industry develops technology that allows computing devices to exchange data with each other using connections/data links between nodes. Common types of computer network include Cloud (IAN), Internet, Wide (WAN, Local (LAN)/Wireless(WLAN) etc. The industry is an ever-more important part of technology, and is set to become even bigger as the Internet of Things (IoT) rapidly forays into the various aspects of our lives. Cisco Systems, Inc., Palo Alto Networks, Inc. and Arista Networks, Inc., Fortinet, Inc. are some of the major computer communications companies.
@Packaged Software (-0.76% weekly)Packaged software comprises multiple software programs bundled together and sold as a group. For example, Microsoft Office includes multiple applications such as Excel, Word, and PowerPoint. In some cases, buying a bundled product is cheaper than purchasing each item individually[s20] . Microsoft Corporation, Oracle Corp. and Adobe are some major American packaged software makers.
| CPAY | DAVE | CPAY / DAVE | |
| Capitalization | 22.7B | 3.94B | 576% |
| EBITDA | 2.56B | 219M | 1,167% |
| Gain YTD | 15.366 | 39.885 | 39% |
| P/E Ratio | 20.79 | 19.88 | 105% |
| Revenue | 4.78B | 605M | 791% |
| Total Cash | 2.54B | 176M | 1,441% |
| Total Debt | 10.4B | 268M | 3,881% |
CPAY | DAVE | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 13 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 45 Fair valued | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 67 | 100 | |
SMR RATING 1..100 | 30 | 11 | |
PRICE GROWTH RATING 1..100 | 48 | 38 | |
P/E GROWTH RATING 1..100 | 60 | 97 | |
SEASONALITY SCORE 1..100 | 50 | 78 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CPAY's Valuation (45) in the Miscellaneous Commercial Services industry is in the same range as DAVE (73) in the Restaurants industry. This means that CPAY’s stock grew similarly to DAVE’s over the last 12 months.
CPAY's Profit vs Risk Rating (67) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for DAVE (100) in the Restaurants industry. This means that CPAY’s stock grew somewhat faster than DAVE’s over the last 12 months.
DAVE's SMR Rating (11) in the Restaurants industry is in the same range as CPAY (30) in the Miscellaneous Commercial Services industry. This means that DAVE’s stock grew similarly to CPAY’s over the last 12 months.
DAVE's Price Growth Rating (38) in the Restaurants industry is in the same range as CPAY (48) in the Miscellaneous Commercial Services industry. This means that DAVE’s stock grew similarly to CPAY’s over the last 12 months.
CPAY's P/E Growth Rating (60) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for DAVE (97) in the Restaurants industry. This means that CPAY’s stock grew somewhat faster than DAVE’s over the last 12 months.
| CPAY | DAVE | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | 2 days ago 84% |
| Stochastic ODDS (%) | 2 days ago 70% | 2 days ago 80% |
| Momentum ODDS (%) | 2 days ago 73% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 68% | 2 days ago 78% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 79% |
| TrendMonth ODDS (%) | 2 days ago 67% | 2 days ago 78% |
| Advances ODDS (%) | 12 days ago 65% | 9 days ago 85% |
| Declines ODDS (%) | 6 days ago 66% | 7 days ago 85% |
| BollingerBands ODDS (%) | N/A | 2 days ago 74% |
| Aroon ODDS (%) | 2 days ago 65% | 2 days ago 90% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| AFSM | 39.81 | 0.37 | +0.94% |
| First Trust Active Factor Small Cap ETF | |||
| MANI | 25.95 | 0.01 | +0.04% |
| Man Active Income ETF | |||
| QVAL | 55.43 | -0.01 | -0.02% |
| Alpha Architect US Quantitative Val ETF | |||
| JGLO | 70.86 | -0.53 | -0.74% |
| JPMorgan Global Select Equity ETF | |||
| SBIT | 58.31 | -2.99 | -4.88% |
| ProShares UltraShort Bitcoin ETF | |||
CPAY and
Correlation & Price change
A.I.dvisor indicates that over the last year, CPAY has been loosely correlated with WEX. These tickers have moved in lockstep 64% of the time. This A.I.-generated data suggests there is some statistical probability that if CPAY jumps, then WEX could also see price increases.
| Ticker / NAME | Correlation To CPAY | 1D Price Change % | ||
|---|---|---|---|---|
| CPAY | 100% | +0.55% | ||
| WEX - CPAY | 64% Loosely correlated | +1.98% | ||
| HUBS - CPAY | 63% Loosely correlated | -1.83% | ||
| SSNC - CPAY | 63% Loosely correlated | -0.44% | ||
| ADSK - CPAY | 62% Loosely correlated | -3.15% | ||
| CRM - CPAY | 61% Loosely correlated | -1.09% | ||
More | ||||
DAVE and
Correlation & Price change
A.I.dvisor indicates that over the last year, DAVE has been loosely correlated with TOST. These tickers have moved in lockstep 49% of the time. This A.I.-generated data suggests there is some statistical probability that if DAVE jumps, then TOST could also see price increases.
| Ticker / NAME | Correlation To DAVE | 1D Price Change % | ||
|---|---|---|---|---|
| DAVE | 100% | -1.50% | ||
| TOST - DAVE | 49% Loosely correlated | -1.62% | ||
| CHYM - DAVE | 48% Loosely correlated | -3.98% | ||
| PAY - DAVE | 46% Loosely correlated | -4.08% | ||
| CPAY - DAVE | 44% Loosely correlated | +0.55% | ||
| DOMO - DAVE | 42% Loosely correlated | -4.96% | ||
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