Which has grown faster, BILL or DAVE?

Over the past five years, BILL grew revenue faster — BILL at a 47.32% CAGR versus DAVE at 35.85%.

Is BILL or DAVE more profitable?

DAVE runs the higher net margin — BILL at -0.68% versus DAVE at 34.59%.

How have BILL and DAVE total returns compared?

Over the past 5 years, BILL delivered -29.99% and DAVE delivered 1.83% annualized total return. Past performance doesn't predict future results.

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 September 13, 2026. Differences are shown without an overall score or investment verdict.

BILL

Bill.com Holdings, Inc.

$4.31B

$43.26TechnologyDelayed quote: Sep 30, 2026, 10:54 AM EDT

DAVE

Dave Inc.

$4.33B

$322.10TechnologyDelayed quote: Sep 30, 2026, 10:55 AM EDT

Total return — BILL vs DAVE

growth of $100 · dividends reinvested · last 5y

BILL -70.5% (-21.6%/yr)DAVE +11.8% (+2.3%/yr)DAVE compounded faster over this window

BILL DAVE

BILL vs DAVE: by the numbers

•DAVE is the larger company ($4.33B vs $4.31B market cap).
•DAVE is profitable (34.59% net margin) while BILL runs a net loss (-0.68%).
•BILL grew revenue faster over the past five years (47.32% vs 35.85% CAGR).

Metrics side by side

Valuation

Metric	BILL	DAVE
P/E ratio	N/A	20.89
Forward P/E	11.49	23.76
P/S ratio	2.61	6.73
P/B ratio	1.22	20.83
EV / EBITDA	38.62	19.09
FCF yield	7.90%	7.46%

Profitability

Metric	BILL	DAVE
Gross margin	80.93%	83.29%
Operating margin	1.06%	34.52%
Net margin	-0.68%	34.59%
ROE	-0.32%	107.09%
ROIC	0.32%	42.50%

Growth (annualized)

Metric	BILL	DAVE
Revenue CAGR (5Y)	47.32%	35.85%
Total return CAGR (5Y)	-29.99%	1.83%

Frequently asked

Which has grown faster, BILL or DAVE?: Over the past five years, BILL grew revenue faster — BILL at a 47.32% CAGR versus DAVE at 35.85%.
Is BILL or DAVE more profitable?: DAVE runs the higher net margin — BILL at -0.68% versus DAVE at 34.59%.
How have BILL and DAVE total returns compared?: Over the past 5 years, BILL delivered -29.99% and DAVE delivered 1.83% annualized total return. Past performance doesn't predict future results.

Go deeper

Full BILL analysis Full DAVE analysis Interactive comparison tool

Dig into the metrics

Dave P/E ratio Bill.com ROE Dave ROE Bill.com operating margin Dave operating margin Bill.com revenue growth Dave revenue growth Bill.com free cash flow Dave free cash flow

Bill.com & Dave appear in these rankings

Fastest Revenue Growth Stocks Highest ROE Stocks Highest ROIC Stocks Highest Operating Margin Stocks

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 September 13, 2026.