DAVE vs SOFI: Dave vs SoFi Technologies Stock Comparison: AI Score, Valuation, Performance and Upside
Dave is a small neobank focused on cash advances and basic banking for underbanked consumers, while SoFi is a full-service digital bank with a national bank charter, lending across multiple products, and B2B fintech infrastructure through Galileo. SoFi is a much larger, more diversified business; Dave is a small-cap bet on serving the financially underserved segment.
DAVE vs SOFI is a small-cap underbanked neobank vs a full-service digital bank with infrastructure assets — Dave wins if ExtraCash and member growth translate to profitability; SoFi wins if deposit-funded lending, Galileo scale, and product expansion drive durable earnings growth.
DAVE holds the edge across 4 of 5 key metrics in this comparison. DAVE leads on both 1-year return (+67.32%) and forward P/E quality (16.55x vs 21.70x for SOFI), a relatively favorable combination of momentum and valuation. On fundamentals, SOFI is growing revenue faster (42.60%), while DAVE maintains the higher operating margin (32.95%) — a classic growth-versus-profitability split. Analyst consensus implies meaningfully more upside for DAVE (+19.98%) than for SOFI (+13.58%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- want speculative small-cap exposure to serving the underbanked consumer segment
- believe cash advance and earned wage access is a large and durable fintech product category
- are comfortable with significant profitability uncertainty and small-cap volatility
- want asymmetric upside from a low market-cap neobank if unit economics improve
- want a diversified digital bank with lending, financial services, and B2B fintech infrastructure
- value SoFi's national bank charter as a structural cost-of-capital advantage over non-bank fintechs
- believe Galileo and Technisys create durable B2B revenue streams that reduce reliance on consumer lending cycles
- prefer a larger, more established digital banking story with a path to consistent profitability
| Metric | DAVE | SOFI |
|---|---|---|
| AI scorei | 33.6 | 37.5 |
| AI ranki | #1837 | #1338 |
| Latest closei | $369.00 | $15.09 |
| 1M returni | -1.51% | -11.60% |
| 3M returni | -16.62% | -12.88% |
| 6M returni | +58.40% | -20.70% |
| 1Y returni | +67.32% | -46.16% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | DAVE | SOFI |
|---|---|---|
| 1Y ago | $16.73K (+67.3%) started 2025-10-15 | $5.67K (-43.3%) started 2025-10-16 |
| 5Y ago | $11.6K (+16.0%) started 2021-10-15 | $7.24K (-27.6%) started 2021-10-18 |
| 10Y ago | $11.77K (+17.7%) started 2021-04-26 | $12.37K (+23.7%) started 2021-01-04 |
Hypothetical — past performance does not guarantee future results.
| Metric | DAVE | SOFI |
|---|---|---|
| Market capi | $4.64B | $23.04B |
| Trailing P/Ei | 23.43 | 36.41 |
| Forward P/Ei | 16.55 | 21.70 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 6.77 | 5.17 |
| Analyst targeti | $436.58 | $20.26 |
| Target upsidei | +19.98% | +13.58% |
| Metric | DAVE | SOFI |
|---|---|---|
| Revenue growthi | 29.60% | 42.60% |
| Earnings growthi | -21.00% | 40.40% |
| EPS growthi | -21.00% | +40.40% |
| FCF margini | +25.97% | N/A |
| Operating margini | 32.95% | 16.96% |
| Profit margini | 34.59% | 14.91% |
| ROIC proxyi | 104.78% | 7.09% |
| Return on equityi | 104.78% | 7.09% |
| Dividend yieldi | N/A | N/A |
| Payout ratioi | 0.00% | 0.00% |
| Dividend growth streaki | N/A | N/A |
| Betai | 3.86 | 2.20 |
| Debt/equityi | 129.14 | 30.84 |
| Current ratioi | 4.22 | 1.10 |
| Quick ratioi | 2.18 | 0.46 |
Over the past year, DAVE and SOFI have moved moderately in the same direction (correlation of 0.58), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | DAVE | SOFI |
|---|---|---|---|
| 1Y | Growthi | +67.32% | -43.27% |
| CAGRi | +67.38% | -43.33% | |
| Volatilityi | 70.17% | 55.96% | |
| Sharpe ratioi | 1.03 | -0.81 | |
| Sortino ratioi | 1.50 | -1.08 | |
| Max drawdowni | 39.11% | 55.85% | |
| Current drawdowni | 16.62% | 53.15% | |
| Avg drawdowni | 15.65% | 36.30% | |
| Ulcer Indexi | 18.82% | 39.61% | |
| Max daily dropi | 15.09% | 15.44% | |
| Max wkly dropi | 27.78% | 20.11% | |
| 5Y | Growthi | +16.01% | -27.63% |
| CAGRi | +3.01% | -6.27% | |
| Volatilityi | 100.16% | 65.70% | |
| Sharpe ratioi | 0.47 | 0.16 | |
| Sortino ratioi | 0.74 | 0.23 | |
| Max drawdowni | 99.01% | 81.54% | |
| Current drawdowni | 19.36% | 53.15% | |
| Avg drawdowni | 72.13% | 52.23% | |
| Ulcer Indexi | 77.86% | 56.75% | |
| Max daily dropi | 36.91% | 15.44% | |
| Max wkly dropi | 50.65% | 24.27% | |
| 10Y | Growthi | +17.67% | +23.69% |
| CAGRi | +3.02% | +3.75% | |
| Volatilityi | 95.68% | 71.28% | |
| Sharpe ratioi | 0.45 | 0.33 | |
| Sortino ratioi | 0.71 | 0.53 | |
| Max drawdowni | 99.01% | 83.32% | |
| Current drawdowni | 19.36% | 53.15% | |
| Avg drawdowni | 65.90% | 51.68% | |
| Ulcer Indexi | 74.36% | 56.49% | |
| Max daily dropi | 36.91% | 15.44% | |
| Max wkly dropi | 50.65% | 24.27% |
| Category | DAVE | SOFI |
|---|---|---|
| Company | Dave Inc. | SoFi Technologies, Inc. |
| Sector | Technology | Financial Services |
| Industry | Software - Application | Credit Services |
| Core business | Consumer neobank focused on cash advance, budgeting, and checking accounts for underbanked Americans. Dave's ExtraCash product provides small-dollar advances up to $500 without credit checks, generating revenue through optional tips and express fees. | Full-service digital bank with a national bank charter, offering personal loans, student loan refinancing, mortgages, credit cards, brokerage, and SoFi Money checking. SoFi also operates Galileo (fintech infrastructure) and Technisys (core banking platform). |
| Investor focus | ExtraCash advance volume, monthly member growth, ARPU expansion, and path to profitability for a small-cap neobank. | Member growth, lending product net interest margin, deposit growth enabling cheaper funding, and Galileo/Technisys B2B revenue from fintech clients. |
- ExtraCash cash advance product fills a meaningful gap for paycheck-to-paycheck consumers without the predatory fees of traditional payday lenders
- Low-cost digital model enables Dave to serve underbanked customers that traditional banks avoid
- Small market cap means any improvement in unit economics creates significant shareholder value
- National bank charter enables SoFi to take deposits and fund loans at lower cost than non-bank fintech lenders
- Diversified product portfolio across lending, financial services, and B2B infrastructure reduces single-product risk
- Galileo and Technisys create durable B2B fintech infrastructure revenue independent of SoFi's consumer business
- Dave is a very small-cap fintech with significant profitability uncertainty and competitive pressure from larger neobanks
- Cash advance business is inherently risky in recessions as default rates rise among financially stressed users
- Regulatory risk around cash advance and earned wage access products is increasing at the CFPB
- Student loan refinancing, SoFi's original core product, has been heavily impacted by federal student loan policy uncertainty
- Personal loan credit quality and net charge-offs are a key risk in a slowing consumer credit environment
- SoFi's path to sustained profitability requires sustained deposit growth to fund loans at competitive rates
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