Bill.com Holdings, Inc. (BILL) vs Dave Inc. (DAVE)
A side-by-side comparison of Bill.com Holdings, Inc. and Dave Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 15, 2026. Differences are shown without an overall score or investment verdict.
BILL
Bill.com Holdings, Inc.
$49.78TechnologyAt close: Aug 14, 2026, 4:00 PM ET
DAVE
Dave Inc.
$334.57TechnologyAt close: Aug 14, 2026, 4:00 PM ET
Total return — BILL vs DAVE
growth of $100 · dividends reinvested · last 5yBILL -68.9% (-20.8%/yr)DAVE +6.7% (+1.3%/yr)DAVE compounded faster over this window
BILL DAVE
BILL vs DAVE: by the numbers
- •BILL is the larger company ($4.96B vs $4.50B market cap).
- •DAVE converts more revenue to profit (34.59% vs 0.01% net margin).
- •BILL grew revenue faster over the past five years (51.27% vs 35.85% CAGR).
Metrics side by side
Valuation
| Metric | BILL | DAVE |
|---|---|---|
| P/E ratio | N/A | 21.70 |
| Forward P/E | 18.81 | 22.50 |
| P/S ratio | 3.18 | 7.11 |
| P/B ratio | 1.34 | 22.02 |
| EV / EBITDA | 113.40 | 20.17 |
| FCF yield | 7.52% | 7.13% |
Profitability
| Metric | BILL | DAVE |
|---|---|---|
| Gross margin | 80.70% | 83.29% |
| Operating margin | -3.52% | 34.52% |
| Net margin | 0.01% | 34.59% |
| ROE | 0.00% | 107.09% |
| ROIC | -1.11% | 41.61% |
Growth (annualized)
| Metric | BILL | DAVE |
|---|---|---|
| Revenue CAGR (5Y) | 51.27% | 35.85% |
| Total return CAGR (5Y) | -24.85% | 1.08% |
Frequently asked
- Which has grown faster, BILL or DAVE?
- Over the past five years, BILL grew revenue faster — BILL at a 51.27% CAGR versus DAVE at 35.85%.
- Is BILL or DAVE more profitable?
- DAVE runs the higher net margin — BILL at 0.01% versus DAVE at 34.59%.
- How have BILL and DAVE total returns compared?
- Over the past 5 years, BILL delivered -24.85% and DAVE delivered 1.08% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Dave P/E ratioBill.com ROEDave ROEBill.com operating marginDave operating marginBill.com revenue growthDave revenue growthBill.com free cash flowDave free cash flow
Bill.com & Dave appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified August 15, 2026.