Dave vs Navient
Dave and Navient are similar in size: $554m and $610m of revenue in their latest fiscal years. Dave grew faster (59.7% against -47.0%). Dave kept more of each dollar of sales as profit: a net margin of 35.3% against -13.1%.
| Latest fiscal year | DaveDAVE, 2025 | NavientNAVI, 2025 |
|---|---|---|
| Revenue | $554m | $610m |
| Revenue growth | 59.7% | -47.0% |
| Net income | $196m | −$80.0m |
| Operating margin | — | — |
| Net margin | 35.3% | -13.1% |
| Return on equity | 73.1% | -3.2% |
| Free cash flow | $290m | — |
| Cash | $80.5m | $637m |
| Total debt | $75.0m | $45.71bn |
| Debt to equity | 21.3% | — |
| Dividend per share | — | $0.64 |
| Dividend yield | — | — |
| Share buybacks | $43.7m | $111m |
| Employees | 280 | 670 |
| Market value | $4.27bn | $803m |
| Price vs our value range | — | — |
| Moat score | 57 (Moderate) | 40 (Weak) |
| Insider trades, 12 months | 0 buys, 110 sales | 0 buys, 0 sales |