Advertisement
DAVE vs TOST
Which Stock Would AI Choose? Dave Inc. (DAVE) vs. Toast Inc. (TOST) Stock Comparison
Key Takeaways
- DAVE has surged over 217% in the past year, significantly outpacing TOST's 24% gain, driven by robust revenue growth and user metrics.
- TOST maintains a larger market capitalization of nearly $15 billion compared to DAVE's $3.5 billion, reflecting its established position in restaurant technology.
- Year-to-date, TOST leads with 28% returns versus DAVE's 21%, though recent momentum favors the latter.
- DAVE's price-to-earnings (P/E) ratio of 20 appears more attractive than TOST's 45, indicating relative valuation strength.
- Analysts project upside for both, with DAVE showing 26% potential based on recent updates.
- DAVE exhibits higher volatility (beta of 3.8) compared to TOST (1.9), appealing to growth-oriented traders.
Introduction
Dave Inc. (DAVE) and Toast Inc. (TOST) represent distinct fintech niches: mobile banking for consumers and cloud-based solutions for restaurants, respectively. This comparison is relevant for traders eyeing growth stocks in financial technology and software-as-a-service (SaaS) sectors. Investors assessing relative performance amid volatile market conditions may find insights into momentum, valuation, and sector dynamics particularly useful for portfolio positioning or short-term trades.
DAVE Overview and Recent Performance
Dave Inc. operates a digital banking platform offering cash advances, checking accounts, and budgeting tools targeted at underbanked consumers. In recent market activity, DAVE shares have shown strong upward momentum, with a 217% one-year return and 21% year-to-date gain as of late April 2026. This performance stems from impressive revenue growth to $554 million (trailing twelve months, or TTM), a 35% profit margin, and average revenue per user (ARPU) rising 36% year-over-year. Sentiment has been bolstered by analyst upgrades projecting 26% upside and hedge fund interest, though high beta of 3.8 signals volatility tied to fintech trends.
TOST Overview and Recent Performance
Toast Inc. provides an integrated SaaS platform for restaurant operations, including point-of-sale (POS) systems, payments, and analytics. Recent weeks have seen TOST shares experience pressure, down about 23% over six months despite 28% year-to-date returns and a one-year gain of 24%. Key drivers include Q4 annual recurring revenue (ARR) surpassing $2 billion and 22% revenue growth to $1.6 billion, fueled by partnerships like Ike’s Love & Sandwiches. However, share weakness reflects broader sector caution, with a P/E of 45 and beta of 1.9 indicating moderate risk amid competitive dynamics.
Trending AI Robots
Tickeron’s Trending AI Robots page showcases the platform’s top 25 AI trading bots, curated from over 350 total bots that trade thousands of tickers across stocks, ETFs, and crypto. These bots employ diverse strategies like swing trading and sector rotation, with impressive stats: annualized returns ranging from 15% to 168%, win rates of 54% to 88%, and profit factors up to 11.7. Examples include semiconductor-focused bots yielding 97% returns on tickers like SOXL and multi-ticker industrial swings at 34% annualized. Selected for current market conditions, they offer real-time signals and risk controls for copy trading. Explore these high performers to enhance your strategy.
Head-to-Head Comparison
DAVE’s consumer-facing neobanking model contrasts with TOST’s B2B restaurant SaaS, exposing DAVE to retail credit risks and TOST to hospitality cyclicality. Growth drivers differ: DAVE leverages ARPU expansion and user acquisition, while TOST emphasizes ARR scalability and payments volume. Recent momentum favors DAVE’s explosive gains versus TOST’s steadier but pressured trajectory. Valuation tilts to DAVE with a lower P/E, though TOST’s larger scale offers stability. Risk profiles highlight DAVE’s higher beta and fintech volatility against TOST’s sector-specific exposures. Market sentiment leans positive for both, with analysts noting DAVE’s outperformance and TOST’s revenue resilience.
Tickeron AI Verdict
Tickeron’s AI models currently favor DAVE over TOST due to superior trend consistency, 217% one-year returns, attractive valuation, and positive catalysts like ARPU growth. While TOST exhibits stability and revenue momentum, DAVE’s relative positioning in fintech growth suggests higher probability of near-term outperformance, 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.
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 TOST 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 whileTOST’s FA Score has 0 green FA rating(s).
- DAVE’s FA Score: 1 green, 4 red.
- TOST’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 TOST’s TA Score has 4 bullish TA indicator(s).
- DAVE’s TA Score: 3 bullish, 5 bearish.
- TOST’s TA Score: 4 bullish, 4 bearish.
Price Growth
DAVE (@Packaged Software) experienced а +0.31% price change this week, while TOST (@Computer Communications) price change was -3.15% 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 -1.85%. For the same industry, the average monthly price growth was +0.07%, and the average quarterly price growth was +11.61%.
Reported Earning Dates
DAVE is expected to report earnings on Aug 12, 2026.
TOST is expected to report earnings on Aug 11, 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 (-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.
| DAVE | TOST | DAVE / TOST | |
| Capitalization | 3.94B | 14.1B | 28% |
| EBITDA | 219M | 419M | 52% |
| Gain YTD | 39.885 | -31.681 | -126% |
| P/E Ratio | 19.88 | 36.21 | 55% |
| Revenue | 605M | 6.45B | 9% |
| Total Cash | 176M | 1.77B | 10% |
| Total Debt | 268M | 17M | 1,576% |
DAVE | ||
|---|---|---|
OUTLOOK RATING 1..100 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 73 Overvalued | |
PROFIT vs RISK RATING 1..100 | 100 | |
SMR RATING 1..100 | 11 | |
PRICE GROWTH RATING 1..100 | 38 | |
P/E GROWTH RATING 1..100 | 97 | |
SEASONALITY SCORE 1..100 | 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.
| DAVE | TOST | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 84% | 2 days ago 88% |
| Stochastic ODDS (%) | 2 days ago 80% | 2 days ago 84% |
| Momentum ODDS (%) | 2 days ago 76% | 2 days ago 77% |
| MACD ODDS (%) | 2 days ago 78% | 2 days ago 76% |
| TrendWeek ODDS (%) | 2 days ago 79% | 2 days ago 79% |
| TrendMonth ODDS (%) | 2 days ago 78% | 2 days ago 78% |
| Advances ODDS (%) | 9 days ago 85% | 8 days ago 79% |
| Declines ODDS (%) | 7 days ago 85% | 16 days ago 82% |
| BollingerBands ODDS (%) | 2 days ago 74% | 2 days ago 90% |
| Aroon ODDS (%) | 2 days ago 90% | N/A |
Advertisement
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% | ||
More | ||||
TOST and
Correlation & Price change
A.I.dvisor indicates that over the last year, TOST has been loosely correlated with PAR. These tickers have moved in lockstep 61% of the time. This A.I.-generated data suggests there is some statistical probability that if TOST jumps, then PAR could also see price increases.
| Ticker / NAME | Correlation To TOST | 1D Price Change % | ||
|---|---|---|---|---|
| TOST | 100% | -1.62% | ||
| PAR - TOST | 61% Loosely correlated | -1.05% | ||
| COIN - TOST | 60% Loosely correlated | +0.97% | ||
| CLSK - TOST | 59% Loosely correlated | +1.31% | ||
| RIOT - TOST | 55% Loosely correlated | +1.89% | ||
| WEAV - TOST | 54% Loosely correlated | -0.77% | ||
More | ||||