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DAVE vs PAY
Which Stock Would AI Choose? Dave Inc. (DAVE) vs. Paymentus Holdings, Inc. (PAY) Stock Comparison
Key Takeaways
- DAVE has surged over 200% in the past year, driven by robust revenue growth and profitability, contrasting with PAY's relatively flat one-year performance.
- Both fintech firms show solid market caps around $3.5 billion, but DAVE trades at a lower price-to-earnings (P/E) ratio of about 20 versus PAY's 56.
- DAVE boasts higher profit margins near 35% and stronger year-to-date gains of over 20%, outpacing PAY's 8% rise.
- Recent analyst sentiment favors DAVE with price target upside, amid ARPU (average revenue per user) growth and positive guidance.
- PAY benefits from steady revenue expansion in bill payments but faces higher valuation multiples and softer recent momentum.
- AI tools highlight DAVE's trend strength for short-term traders, while PAY appeals to those seeking stable B2B exposure.
Introduction
This stock comparison pits DAVE, a consumer-focused fintech platform, against PAY, a provider of cloud-based bill payment solutions. Both operate in the competitive financial technology sector, where innovation in digital services drives growth. Traders seeking high-momentum plays may eye DAVE's explosive recent performance, while investors favoring B2B stability might prefer PAY's recurring revenue model. This analysis examines relative performance, business drivers, and market positioning to aid informed decision-making in today's dynamic market environment.
DAVE Overview and Recent Performance
Dave Inc. (DAVE) operates a financial services platform offering tools like Budget for personal finance management, ExtraCash for short-term liquidity, and digital checking accounts. Headquartered in Los Angeles, it targets underserved consumers with mobile-first banking solutions. In recent market activity, DAVE shares have shown strong upward momentum, with year-to-date gains exceeding 20% and over 200% appreciation over the past year. This performance stems from revenue growth above 60% year-over-year in recent quarters, ARPU (average revenue per user) increases of 36%, and AI-enhanced credit features. Analyst upgrades, including raised price targets to $335, have bolstered sentiment, though high beta (3.82) signals volatility amid broader fintech trends.
PAY Overview and Recent Performance
Paymentus Holdings, Inc. (PAY) delivers cloud-based bill presentment and payment platforms for utilities, healthcare, and other sectors, processing via cards, eChecks, and digital wallets. Based in Charlotte, North Carolina, it emphasizes omni-channel solutions for billers. Recent weeks have seen mixed results for PAY, with year-to-date returns around 8% and flat one-year performance. Q4 revenue jumped 28% to $330 million, beating estimates, supported by higher transaction volumes and biller expansion. However, shares trade closer to the lower end of their 52-week range, reflecting valuation concerns at a P/E above 55, despite solid cash reserves over $320 million and low debt.
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Head-to-Head Comparison
DAVE and PAY both thrive in fintech but diverge in models: DAVE's direct-to-consumer neobanking contrasts PAY's B2B payment processing. Growth drivers differ, with DAVE leveraging user acquisition and ARPU via AI tools for 35% margins, versus PAY's 6% margins from volume-based recurring fees. Recent momentum favors DAVE, up sharply amid positive guidance, while PAY shows steadier but slower gains post-earnings. Risk profiles highlight DAVE's higher beta and consumer cyclicality against PAY's lower debt and diversified sectors. Market sentiment tilts toward DAVE's catalysts, though PAY offers relative stability.
Tickeron AI Verdict
Tickeron’s AI currently leans toward DAVE due to superior trend consistency, explosive relative performance, expanding margins, and analyst-backed catalysts positioning it favorably in recent market activity. While PAY demonstrates reliable growth, its higher multiples and muted momentum suggest caution. This probabilistic edge favors DAVE for momentum-oriented strategies.
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 DAVE is a StrongBuy and PAY 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).
DAVE’s FA Score shows that 1 FA rating(s) are green whilePAY’s FA Score has 0 green FA rating(s).
- DAVE’s FA Score: 1 green, 4 red.
- PAY’s FA Score: 0 green, 5 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.
DAVE’s TA Score shows that 3 TA indicator(s) are bullish while PAY’s TA Score has 5 bullish TA indicator(s).
- DAVE’s TA Score: 3 bullish, 5 bearish.
- PAY’s TA Score: 5 bullish, 3 bearish.
Price Growth
DAVE (@Packaged Software) experienced а +0.31% price change this week, while PAY (@Computer Communications) price change was -4.85% for the same time period.
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%.
The average weekly price growth across all stocks in the @Computer Communications industry was -2.27%. For the same industry, the average monthly price growth was -0.35%, and the average quarterly price growth was +11.30%.
Reported Earning Dates
DAVE is expected to report earnings on Aug 12, 2026.
PAY is expected to report earnings on Aug 10, 2026.
Industries' Descriptions
@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.
@Computer Communications (-2.27% 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.
| DAVE | PAY | DAVE / PAY | |
| Capitalization | 3.94B | 2.54B | 155% |
| EBITDA | 219M | 127M | 172% |
| Gain YTD | 39.885 | -36.024 | -111% |
| P/E Ratio | 19.88 | 35.46 | 56% |
| Revenue | 605M | 1.28B | 47% |
| Total Cash | 176M | 339M | 52% |
| Total Debt | 268M | 6.63M | 4,045% |
DAVE | PAY | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 38 | 63 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 73 Overvalued | 39 Fair valued | |
PROFIT vs RISK RATING 1..100 | 100 | 100 | |
SMR RATING 1..100 | 11 | 62 | |
PRICE GROWTH RATING 1..100 | 38 | 79 | |
P/E GROWTH RATING 1..100 | 97 | 94 | |
SEASONALITY SCORE 1..100 | 78 | 50 |
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.
PAY's Valuation (39) in the Electronic Equipment Or Instruments industry is somewhat better than the same rating for DAVE (73) in the Restaurants industry. This means that PAY’s stock grew somewhat faster than DAVE’s over the last 12 months.
PAY's Profit vs Risk Rating (100) in the Electronic Equipment Or Instruments industry is in the same range as DAVE (100) in the Restaurants industry. This means that PAY’s stock grew similarly to DAVE’s over the last 12 months.
DAVE's SMR Rating (11) in the Restaurants industry is somewhat better than the same rating for PAY (62) in the Electronic Equipment Or Instruments industry. This means that DAVE’s stock grew somewhat faster than PAY’s over the last 12 months.
DAVE's Price Growth Rating (38) in the Restaurants industry is somewhat better than the same rating for PAY (79) in the Electronic Equipment Or Instruments industry. This means that DAVE’s stock grew somewhat faster than PAY’s over the last 12 months.
PAY's P/E Growth Rating (94) in the Electronic Equipment Or Instruments industry is in the same range as DAVE (97) in the Restaurants industry. This means that PAY’s stock grew similarly to DAVE’s over the last 12 months.
| DAVE | PAY | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 84% | 2 days ago 76% |
| Stochastic ODDS (%) | 2 days ago 80% | 2 days ago 80% |
| Momentum ODDS (%) | 2 days ago 76% | N/A |
| MACD ODDS (%) | 2 days ago 78% | 2 days ago 78% |
| TrendWeek ODDS (%) | 2 days ago 79% | 2 days ago 80% |
| TrendMonth ODDS (%) | 2 days ago 78% | 2 days ago 82% |
| Advances ODDS (%) | 9 days ago 85% | 8 days ago 78% |
| Declines ODDS (%) | 7 days ago 85% | 13 days ago 81% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 82% |
| Aroon ODDS (%) | 2 days ago 90% | 2 days ago 82% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| KGRN | 24.66 | 0.19 | +0.76% |
| KraneShares MSCI China Clean Tech ETF | |||
| GOF | 10.74 | 0.02 | +0.19% |
| Guggenheim Strategic Opportunities Fund | |||
| ZNOV | 27.40 | -0.04 | -0.16% |
| Innovator Equity Defined Prt ETF -1YrNov | |||
| BUFG | 29.22 | -0.08 | -0.29% |
| FT Vest Buffered Allocation Gr ETF | |||
| WTIP | 36.10 | -0.13 | -0.35% |
| WisdomTree Inflation Plus Fund | |||
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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