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DAVE vs SPSC

DAVE
Dave Inc.
BULLISH
Price
$165.58
Market Cap
$2.2B
Sector
Technology
AI Confidence
30%
SPSC
SPS Commerce, Inc.
NEUTRAL
Price
$57.62
Market Cap
$2.15B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
DAVE
12.87
SPSC
23.42
Forward P/E
DAVE
9.45
SPSC
11.36
P/B Ratio
DAVE
6.36
SPSC
2.22
P/S Ratio
DAVE
3.96
SPSC
2.87
EV/EBITDA
DAVE
11.46
SPSC
11.39

Profitability

Gross Margin
DAVE
70.22%
SPSC
69.18%
Operating Margin
DAVE
39.39%
SPSC
18.0%
Profit Margin
DAVE
35.34%
SPSC
12.42%
ROE
DAVE
73.11%
SPSC
10.21%
ROA
DAVE
30.37%
SPSC
6.72%

Growth

Revenue Growth
DAVE
62.4%
SPSC
12.7%
Earnings Growth
DAVE
292.4%
SPSC
46.9%

Financial Health

Debt/Equity
DAVE
0.21
SPSC
0.01
Current Ratio
DAVE
3.83
SPSC
2.17
Quick Ratio
DAVE
1.06
SPSC
1.42

Dividends

Dividend Yield
DAVE
--
SPSC
--
Payout Ratio
DAVE
0.0%
SPSC
0.0%

AI Verdict

DAVE BULLISH

DAVE shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 8/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 12.9
Strong profitability (35.3% margin)
Strong financial trend (Piotroski F-Score: 8/9)
Risks
Premium vs Graham Number ($86.82)
SPSC NEUTRAL

SPSC exhibits exceptional fundamental health with a Piotroski F-Score of 8/9 and negligible debt (Debt/Equity 0.01), providing a strong safety floor. While the stock is trading below its intrinsic value ($72.57) and analyst target ($78.82), it is plagued by severe negative price momentum and bearish insider activity. The company's legendary track record of beating earnings estimates for 25 consecutive quarters suggests operational excellence, but the market is currently discounting the stock heavily. The disconnect between rock-solid fundamentals and a collapsing share price warrants a neutral stance until a technical bottom is established.

Strengths
Strong deterministic health (Piotroski F-Score 8/9)
Virtually debt-free balance sheet (Debt/Equity 0.01)
Exceptional earnings consistency with 25 quarters of beats
Risks
Severe negative price momentum (1Y Change: -55.4%)
Bearish insider sentiment with selling from CEO, CFO, and CTO
High PEG ratio (4.55) suggesting current price may exceed growth justification

Compare Another Pair

DAVE vs SPSC: Head-to-Head Comparison

This page compares Dave Inc. (DAVE) and SPS Commerce, Inc. (SPSC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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