DAVE
Dave Inc.
DAVE's outlook is improving, though it still trails on the overall score.
NVDA
NVIDIA Corporation
NVDA has the edge over DAVE overall, supported by stronger valuation and lower modeled downside.
DAVE Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Strong |
DAVE's revenue, profitability, cash flow and balance sheet are all currently healthy.
NVDA Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
NVDA's revenue, profitability, cash flow and balance sheet are all currently strong.
DAVE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 14x | $267 | — |
| Cheap | 18x | $227 | -15% |
| Current | 22x | $267 | — |
| Fair | 23x | $287 | +7.2% |
| Expensive | 58x | $718 | +169% |
Historical ranges are pointers, not guarantees.
DAVE's PE is in its fair range at 22x. If earnings grow as analysts expect, today's price would be 14x next year's earnings, in its cheap range.
NVDA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $166 | — |
| Current | 21x | $166 | — |
| Cheap | 44x | $345 | +108% |
| Fair | 65x | $511 | +207% |
| Expensive | 93x | $734 | +342% |
Historical ranges are pointers, not guarantees.
NVDA has the edge over DAVE in the historical PE scenario, which offers more potential upside but is not a forecast.
DAVE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Moderate |
DAVE has the edge over NVDA on the outlook, with more favorable profitability expectations.
NVDA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Weakening | |
| Broad | |
| Moderate |
Analysts expect strong earnings and revenue growth for NVDA, but weaker profitability.
DAVE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $18.94 | +53% |
| Q3 2026 | $12.41 | +24% |
| Q2 2026 | $15.45 | +316% |
| Q1 2026 | $15.58 | +338% |
| Q4 2025 | $13.53 | +223% |
| Q3 2025 | $10.02 | +220% |
| Q2 2025 | $3.71 | +78% |
| Q1 2025 | $3.56 | +$3.84 |
| Q4 2024 | $4.19 | +$8.26 |
DAVE's earnings per share have climbed steadily: $12.41 over the past year, up 24% from the year before, and higher year over year every quarter since late 2024.
NVDA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.77 | +74% |
| Q3 2026 | $7.91 | +125% |
| Q2 2026 | $6.53 | +111% |
| Q1 2026 | $4.90 | +67% |
| Q4 2025 | $4.03 | +59% |
| Q3 2025 | $3.51 | +65% |
| Q2 2025 | $3.10 | +81% |
| Q1 2025 | $2.94 | +147% |
| Q4 2024 | $2.54 | +234% |
NVDA's earnings per share have climbed steadily: $7.91 over the past year, up 125% from the year before, and higher year over year for 13 quarters in a row.
DAVE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $197.7M | +31% |
| Q2 2026 | $170.8M | +30% |
| Q1 2026 | $158.4M | +47% |
| Q4 2025 | $163.7M | +62% |
| Q3 2025 | $150.7M | +63% |
| Q2 2025 | $131.8M | +64% |
| Q1 2025 | $108M | +47% |
| Q4 2024 | $100.8M | +38% |
DAVE's revenue has grown year over year every quarter since early 2022: $198M last quarter, up 31% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 38% | -1.1 points |
| Q2 2026 | 8.6% | -0.1 points |
| Q1 2026 | 44% | +13 points |
| Q4 2025 | 39% | +22 points |
| Q3 2025 | 39% | +38 points |
| Q2 2025 | 8.7% | +3 points |
| Q1 2025 | 31% | -20 points |
| Q4 2024 | 17% | +17 points |
DAVE's operating margin was 38% last quarter, down 1.1 points from the same quarter a year ago.
NVDA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $96.2B | +106% |
| Q2 2026 | $81.6B | +85% |
| Q1 2026 | $68.1B | +73% |
| Q4 2025 | $57B | +62% |
| Q3 2025 | $46.7B | +56% |
| Q2 2025 | $44.1B | +69% |
| Q1 2025 | $39.3B | +78% |
| Q4 2024 | $35.1B | +94% |
NVDA has the edge over DAVE on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 66% | +5.4 points |
| Q2 2026 | 66% | +17 points |
| Q1 2026 | 65% | +3.9 points |
| Q4 2025 | 63% | +0.8 points |
| Q3 2025 | 61% | -1.2 points |
| Q2 2025 | 49% | -16 points |
| Q1 2025 | 61% | -0.5 points |
| Q4 2024 | 62% | +4.9 points |
NVDA has the edge over DAVE on profitability, with a higher operating margin.
DAVE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $81.4M | -2.1% |
| Q2 2026 | $68.1M | +0.1% |
| Q1 2026 | $82M | +81% |
| Q4 2025 | $93.2M | +124% |
| Q3 2025 | $83.2M | +125% |
| Q2 2025 | $68.1M | +144% |
| Q1 2025 | $45.2M | +147% |
| Q4 2024 | $41.7M | +167% |
DAVE has the edge over NVDA on cash flow, with stronger typical year-over-year growth.
NVDA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $21.4B | +59% |
| Q2 2026 | $48.6B | +86% |
| Q1 2026 | $34.9B | +124% |
| Q4 2025 | $22.1B | +32% |
| Q3 2025 | $13.5B | -0.3% |
| Q2 2025 | $26.2B | +75% |
| Q1 2025 | $15.6B | +38% |
| Q3 2024 | $13.5B | +113% |
NVDA's free cash flow has been positive every quarter for six years: $127B over the past year, up 76% from the year before.
DAVE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.8% | +241K shares |
| 1 year | -4.2% | -604K shares |
| 3 years | +16% | +2M shares |
DAVE has the edge over NVDA on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $6M |
| Q2 2026 | $19.1M |
| Q1 2026 | $186.7M |
| Q4 2025 | $11.8M |
| Q3 2025 | $25M |
| Q2 2025 | — |
| Q1 2025 | $6.9M |
| Q4 2023 | — |
DAVE spent $224M buying back its own shares over the past year.
NVDA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -106M shares |
| 1 year | -1% | -247M shares |
| 3 years | -2.8% | -705M shares |
| 5 years | -4.1% | -1B shares |
| Available history | -1.8% | -435M shares |
NVDA has 24.3B diluted shares, down 1% from a year ago, with $55.3B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7B |
| Q2 2026 | $19.3B |
| Q1 2026 | $3.8B |
| Q4 2025 | $12.5B |
| Q3 2025 | $9.7B |
| Q2 2025 | $14.1B |
| Q1 2025 | $7.8B |
| Q4 2024 | $11B |
NVDA spent $55.3B buying back its own shares over the past year, up 30% from the year before.
DAVE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.8x | Net Cash |
| Q2 2026 | -0.6x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.5x | Net Cash |
| Q3 2025 | 0.2x | Very low |
| Q2 2025 | 0.2x | Very low |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.4x | Very low |
DAVE has the edge over NVDA on leverage, with a lower net debt burden relative to earnings.
NVDA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | -0.0x | Net Cash |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | -0.0x | Net Cash |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.0x | Very low |
| Q4 2024 | -0.0x | Net Cash |
NVDA's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.
DAVE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.0 | Neutral |
| Stochastic | 9.7 | Oversold |
DAVE's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
NVDA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.4 | Neutral |
| Stochastic | 18.1 | Oversold |
NVDA's weekly RSI is 33 (neutral) and its Stochastic is 18 (oversold).
DAVE PE vs Technology Sector
| Metric | DAVE | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 28x | 23% below |
| PE % | 39 | 42 | 3 pts below |
DAVE is trading at 22x earnings, a 23% discount to the Technology sector's median of 28x.
NVDA PE vs Technology Sector
| Metric | NVDA | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 28x | 25% below |
| PE % | 0 | 35 | 35 pts below |
NVDA has the edge over DAVE on valuation relative to its sector.
DAVE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $328.1 | 19% below |
| 20 week MA | $354.2 | 25% below |
| 50 week MA | $276.9 | 3.4% below |
| 100 week MA | $220.9 | 21% above |
| 200 week MA | $122.2 | 119% above |
DAVE has the edge over NVDA on trend strength, trading above more of its moving averages.
NVDA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $208.9 | 20% below |
| 20 week MA | $212.0 | 22% below |
| 50 week MA | $199.9 | 17% below |
| 100 week MA | $175.1 | 5.1% below |
| 200 week MA | $123.6 | 34% above |
NVDA has fallen below most of its moving averages, though it's still 34% above its 200-week average.
DAVE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $315.5 | $318.7 | +1% |
| 2022 | $318.7 | $9.50 | -97% |
| 2023 | $9.50 | $8.39 | -12% |
| 2024 | $8.39 | $97.8 | +1066% |
| 2025 | $97.8 | $229.2 | +134% |
| 2026 YTD | $229.2 | $267.4 | +17% |
DAVE has the edge over NVDA on returns for 2026, with the stronger performance.
NVDA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.92 | $13.0 | +119% |
| 2021 | $13.0 | $29.6 | +128% |
| 2022 | $29.6 | $15.2 | -49% |
| 2023 | $15.2 | $49.5 | +226% |
| 2024 | $49.5 | $137.0 | +177% |
| 2025 | $137.0 | $190.5 | +39% |
| 2026 YTD | $190.5 | $166.2 | -13% |
NVDA's yearly returns have swung widely, from +226% in 2023 to −49% in 2022. It's down 13% so far in 2026.