DAVE
Dave Inc.
DAVE's outlook is improving, though it still trails on the overall score.
PLTR
Palantir Technologies Inc.
PLTR 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.
PLTR Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
PLTR'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.
PLTR PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 75x | $172 | — |
| Current | 120x | $172 | — |
| Cheap | 165x | $236 | +37% |
| Fair | 251x | $359 | +109% |
| Expensive | 452x | $646 | +277% |
Historical ranges are pointers, not guarantees.
PLTR 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 |
Analysts expect strong earnings and revenue growth for DAVE, with profitability improving.
PLTR Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Moderate |
Analysts expect strong earnings and revenue growth for PLTR, with profitability improving.
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.
PLTR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.30 | +61% |
| Q3 2026 | $1.43 | +240% |
| Q2 2026 | $1.17 | +290% |
| Q1 2026 | $0.89 | +287% |
| Q4 2025 | $0.63 | +232% |
| Q3 2025 | $0.42 | +110% |
| Q2 2025 | $0.30 | +76% |
| Q1 2025 | $0.23 | +92% |
| Q4 2024 | $0.19 | +111% |
PLTR's earnings per share have climbed steadily: $1.43 over the past year, about three times what it earned the year before, and higher year over year every quarter since late 2021.
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.
PLTR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +96% |
| Q2 2026 | $1.9B | +93% |
| Q1 2026 | $1.6B | +85% |
| Q4 2025 | $1.4B | +70% |
| Q3 2025 | $1.2B | +63% |
| Q2 2025 | $1B | +48% |
| Q1 2025 | $883.9M | +39% |
| Q4 2024 | $827.5M | +36% |
PLTR has the edge over DAVE on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +14 points |
| Q2 2026 | 47% | +20 points |
| Q1 2026 | 46% | +26 points |
| Q4 2025 | 41% | +40 points |
| Q3 2025 | 33% | +18 points |
| Q2 2025 | 27% | +11 points |
| Q1 2025 | 20% | +7.2 points |
| Q4 2024 | 1.3% | -9.5 points |
PLTR 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 generated $325M in free cash flow over the past year, up 36% from the year before.
PLTR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +139% |
| Q2 2026 | $1.2B | +126% |
| Q1 2026 | $891.8M | +193% |
| Q4 2025 | $764M | +67% |
| Q3 2025 | $500.9M | +20% |
| Q2 2025 | $531.6M | +276% |
| Q1 2025 | $304.1M | +140% |
| Q4 2024 | $457.2M | +54% |
PLTR has the edge over DAVE on cash flow, with more consistent year-over-year improvement.
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 PLTR 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.
PLTR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +5.2M shares |
| 1 year | +0.1% | +2.9M shares |
| 3 years | +11% | +248M shares |
| 5 years | +31% | +610M shares |
| Available history | +184% | +1.7B shares |
PLTR has 2.6B diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $19.2M |
| Q3 2025 | $19.2M |
| Q2 2025 | $18.6M |
| Q1 2025 | $18M |
| Q4 2024 | $18.6M |
| Q3 2024 | $18.9M |
| Q2 2024 | $17.7M |
| Q1 2024 | $9M |
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 more cash than debt.
PLTR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.1x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -1.1x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -2.3x | Net Cash |
| Q4 2024 | -6.1x | Net Cash |
PLTR has the edge over DAVE on leverage, with a lower net debt burden relative to earnings.
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).
PLTR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.4 | Neutral |
| Stochastic | 47.4 | Neutral |
PLTR's weekly RSI is 51 (neutral) and its Stochastic is 47 (neutral).
DAVE PE vs Technology Sector
| Metric | DAVE | Sector median | Relative |
|---|---|---|---|
| PE | 22x | 28x | 23% below |
| PE % | 39 | 42 | 3 pts below |
DAVE has the edge over PLTR on valuation relative to its sector.
PLTR PE vs Technology Sector
| Metric | PLTR | Sector median | Relative |
|---|---|---|---|
| PE | 120x | 28x | 331% above |
| PE % | 1 | 38 | 37 pts below |
PLTR is trading at 120x earnings, a 331% premium to the Technology sector's median of 28x.
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 pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 119% above its 200-week average.
PLTR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $185.8 | 7.6% below |
| 20 week MA | $167.6 | 2.4% above |
| 50 week MA | $157.1 | 9.2% above |
| 100 week MA | $143.8 | 19% above |
| 200 week MA | $83.3 | 106% above |
PLTR has the edge over DAVE on trend strength, trading above more of its moving averages.
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 PLTR on returns for 2026, with the stronger performance.
PLTR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.20 | $27.8 | +202% |
| 2021 | $27.8 | $18.9 | -32% |
| 2022 | $18.9 | $6.29 | -67% |
| 2023 | $6.29 | $17.2 | +173% |
| 2024 | $17.2 | $79.1 | +361% |
| 2025 | $79.1 | $188.7 | +139% |
| 2026 YTD | $188.7 | $171.6 | -9.1% |
PLTR's yearly returns have swung widely, from +361% in 2024 to −67% in 2022. It's down 9.1% so far in 2026.