Which has the lower trailing P/E, DAVE or SOFI?

DAVE has the lower trailing P/E: DAVE trades at 20.80 and SOFI at 33.19. P/E is one valuation measure and does not by itself establish which business is cheaper.

Which has grown faster, DAVE or SOFI?

Over the past five years, SOFI grew revenue faster — DAVE at a 35.85% CAGR versus SOFI at 42.36%.

Is DAVE or SOFI more profitable?

DAVE runs the higher net margin — DAVE at 34.59% versus SOFI at 11.40%.

How have DAVE and SOFI total returns compared?

Over the past 5 years, DAVE delivered 1.83% and SOFI delivered 2.52% annualized total return. Past performance doesn't predict future results.

Dave Inc. (DAVE) vs SoFi Technologies, Inc. (SOFI)

A side-by-side comparison of Dave Inc. and SoFi Technologies, 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.

Different business models: DAVE is classified in Technology; SOFI is classified in Financial Services. Margin, capital intensity, and valuation differences should be interpreted in that sector context.

DAVE

Dave Inc.

$4.31B

$320.70TechnologyDelayed quote: Sep 28, 2026, 4:00 PM EDT

SOFI

SoFi Technologies, Inc.

$20.43B

$15.93Financial ServicesDelayed quote: Sep 28, 2026, 4:00 PM EDT

Total return — DAVE vs SOFI

growth of $100 · dividends reinvested · last 5y

DAVE +11.8% (+2.3%/yr)SOFI +3.8% (+0.8%/yr)DAVE compounded faster over this window

DAVE SOFI

DAVE vs SOFI: by the numbers

•SOFI is the larger company ($20.43B vs $4.31B market cap).
•DAVE trades at the lower trailing earnings multiple (20.80 vs 33.19 P/E), one valuation lens rather than an overall verdict.
•DAVE converts more revenue to profit (34.59% vs 11.40% net margin).
•SOFI grew revenue faster over the past five years (42.36% vs 35.85% CAGR).

Metrics side by side

Valuation

Metric	DAVE	SOFI
P/E ratio	20.80	33.19
Forward P/E	23.66	26.99
P/S ratio	6.70	3.66
P/B ratio	20.74	1.84
EV / EBITDA	19.01	N/A
FCF yield	7.50%	N/A

Profitability

Metric	DAVE	SOFI
Gross margin	83.29%	76.46%
Operating margin	34.52%	13.22%
Net margin	34.59%	11.40%
ROE	107.09%	5.74%
ROIC	42.50%	N/A

Growth (annualized)

Metric	DAVE	SOFI
Revenue CAGR (5Y)	35.85%	42.36%
Total return CAGR (5Y)	1.83%	2.52%

Frequently asked

Which has the lower trailing P/E, DAVE or SOFI?: DAVE has the lower trailing P/E: DAVE trades at 20.80 and SOFI at 33.19. P/E is one valuation measure and does not by itself establish which business is cheaper.
Which has grown faster, DAVE or SOFI?: Over the past five years, SOFI grew revenue faster — DAVE at a 35.85% CAGR versus SOFI at 42.36%.
Is DAVE or SOFI more profitable?: DAVE runs the higher net margin — DAVE at 34.59% versus SOFI at 11.40%.
How have DAVE and SOFI total returns compared?: Over the past 5 years, DAVE delivered 1.83% and SOFI delivered 2.52% annualized total return. Past performance doesn't predict future results.

Go deeper

Full DAVE analysis Full SOFI analysis Interactive comparison tool

Dig into the metrics

Dave P/E ratio SoFi Technologies P/E ratio Dave ROE SoFi Technologies ROE Dave operating margin SoFi Technologies operating margin Dave revenue growth SoFi Technologies revenue growth Dave free cash flow

Dave & SoFi Technologies 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.