GDOT vs OMF vs RPAY vs SOFI vs DAVE

For growth investors, Dave Inc.

(DAVE) is the stronger pick with 47. 5% revenue growth year-over-year, versus -1. 2% for Repay Holdings Corporation (RPAY). OneMain Holdings, Inc. (OMF) offers the better valuation at 8. 5x trailing P/E (7. 5x forward), making it the more compelling value choice. Analysts rate OneMain Holdings, Inc. (OMF) a "Buy" — based on 31 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, OneMain Holdings, Inc.

(OMF) is the cheapest at 8. 5x versus SoFi Technologies, Inc. at 41. 0x. On forward P/E, Repay Holdings Corporation is actually cheaper at 3. 9x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, OneMain Holdings, Inc.

(OMF) delivered a total return of +36. 4%, compared to -83. 8% for Repay Holdings Corporation (RPAY). Over 10 years, the gap is even starker: OMF returned +189. 2% versus RPAY's -63. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Green Dot Corporation (GDOT) is the lower-risk stock at 1.

13β versus Dave Inc. 's 2. 69β — meaning DAVE is approximately 137% more volatile than GDOT relative to the S&P 500. On balance sheet safety, Green Dot Corporation (GDOT) carries a lower debt/equity ratio of 7% versus 7% for OneMain Holdings, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Dave Inc.

(DAVE) is pulling ahead at 47. 5% versus -1. 2% for Repay Holdings Corporation (RPAY). On earnings-per-share growth, the picture is similar: Dave Inc. grew EPS 222. 9% year-over-year, compared to -26. 3% for Repay Holdings Corporation. Over a 3-year CAGR, DAVE leads at 35. 7% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Dave Inc.

(DAVE) is the more profitable company, earning 38. 3% net margin versus -83. 0% for Repay Holdings Corporation — meaning it keeps 38. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: OMF leads at 16. 0% versus -3. 9% for RPAY. At the gross margin level — before operating expenses — DAVE leads at 79. 8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

On forward earnings alone, Repay Holdings Corporation (RPAY) trades at 3.

9x forward P/E versus 26. 5x for SoFi Technologies, Inc. — 22. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for RPAY: 95. 7% to $6. 83.

In this comparison, OMF (4.

7% yield) pays a dividend. GDOT, RPAY, SOFI, DAVE do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, OneMain Holdings, Inc.

(OMF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (4. 7% yield, +189. 2% 10Y return). Dave Inc. (DAVE) carries a higher beta of 2. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (OMF: +189. 2%, DAVE: -20. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

These companies operate in different sectors (GDOT (Financial Services) and OMF (Financial Services) and RPAY (Technology) and SOFI (Financial Services) and DAVE (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: GDOT is a small-cap high-growth stock; OMF is a small-cap deep-value stock; RPAY is a small-cap quality compounder stock; SOFI is a mid-cap high-growth stock; DAVE is a small-cap high-growth stock. OMF pays a dividend while GDOT, RPAY, SOFI, DAVE do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.