Dave (DAVE) Competitors

UWM (NYSE:UWMC) and Dave (NASDAQ:DAVE) are both banking companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, media sentiment, earnings, valuation, profitability and institutional ownership.

Do institutionals & insiders have more ownership in UWMC or DAVE?

53.6% of UWM shares are held by institutional investors. Comparatively, 18.0% of Dave shares are held by institutional investors. 87.5% of UWM shares are held by insiders. Comparatively, 28.5% of Dave shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Do analysts rate UWMC or DAVE?

UWM presently has a consensus price target of $6.18, suggesting a potential downside of 3.84%. Dave has a consensus price target of $262.17, suggesting a potential upside of 14.47%. Given Dave's stronger consensus rating and higher probable upside, analysts clearly believe Dave is more favorable than UWM.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
UWM	0 Sell rating(s)	5 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.29
Dave	0 Sell rating(s)	1 Hold rating(s)	8 Buy rating(s)	0 Strong Buy rating(s)	2.89

Does the media refer more to UWMC or DAVE?

In the previous week, Dave had 34 more articles in the media than UWM. MarketBeat recorded 48 mentions for Dave and 14 mentions for UWM. UWM's average media sentiment score of 0.24 beat Dave's score of 0.22 indicating that UWM is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
UWM	5 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Dave	13 Very Positive mention(s)	10 Positive mention(s)	14 Neutral mention(s)	5 Negative mention(s)	4 Very Negative mention(s)	Neutral

Which has stronger valuation and earnings, UWMC or DAVE?

Dave has lower revenue, but higher earnings than UWM. UWM is trading at a lower price-to-earnings ratio than Dave, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
UWM	$2.16B	4.75	$14.40M	-$0.05	-128.50
Dave	$347.10M	8.91	$57.87M	$3.78	60.59

Which has more risk & volatility, UWMC or DAVE?

UWM has a beta of 1.76, suggesting that its share price is 76% more volatile than the S&P 500. Comparatively, Dave has a beta of 3.93, suggesting that its share price is 293% more volatile than the S&P 500.

Is UWMC or DAVE more profitable?

Dave has a net margin of 12.74% compared to UWM's net margin of 0.48%. Dave's return on equity of 33.02% beat UWM's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
UWM	0.48%	-5.56%	-0.72%
Dave	12.74%	33.02%	19.94%

Summary

Dave beats UWM on 12 of the 16 factors compared between the two stocks.