Comparing Dave (NASDAQ:DAVE) & Atos Origin (OTCMKTS:AEXAF)

Atos Origin (OTCMKTS:AEXAF) and Dave (NASDAQ:DAVE) are both business services companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, dividends, risk, institutional ownership, profitability, analyst recommendations and valuation.

Valuation & Earnings

This table compares Atos Origin and Dave”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Atos Origin	$10.36 billion	0.58	$268.39 million	$2.21	28.14
Dave	$347.10 million	8.17	$57.87 million	$10.09	20.82

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

Analyst Ratings

This is a summary of recent recommendations and price targets for Atos Origin and Dave, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Atos Origin	0	0	0	0	0.00
Dave	0	2	9	1	2.92

Dave has a consensus target price of $304.25, suggesting a potential upside of 44.82%. Given Dave’s stronger consensus rating and higher possible upside, analysts plainly believe Dave is more favorable than Atos Origin.

Profitability

This table compares Atos Origin and Dave’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Atos Origin	N/A	N/A	N/A
Dave	29.85%	65.86%	41.56%

Insider and Institutional Ownership

18.0% of Dave shares are held by institutional investors. 28.5% of Dave shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Dave beats Atos Origin on 11 of the 14 factors compared between the two stocks.

About Atos Origin

Atos SE provides digital transformation solutions and services worldwide. It offers advanced computing solutions; analytics, artificial intelligence, and automation solutions; cloud solutions; customer journey analytics and digital customer experience; decarbonization solutions; digital consulting; digital workplace solutions; edge computing and Internet of things solutions; and modern applications and platforms. The company also provides advance detection and response, data protection and governance, digital workplace security, IoT and OT security, trusted digital identities, and cybersecurity solutions; and infrastructure and foundation services. It serves financial services and insurance, healthcare and life sciences, manufacturing, public sector and defense, resources and services, and telecommunication and media industries. The company was incorporated in 1982 and is headquartered in Bezons, France.

About Dave

Dave, Inc. is a digital banking service. Its products include a budgeting tool to help members manage their upcoming bills to avoid overspending, cash advances through its flagship ExtraCash product to help members avoid punitive overdraft fees, a Side Hustle product, where Dave helps connect members with supplemental work opportunities, and Dave Banking, a modern checking account experience with valuable tools for building long-term financial health. The company was founded by Jason Wilk, Paras Chitrakar, and John Wolanin in October 2015 and is headquartered in Los Angeles, CA.