MOGO vs DAVE

For growth investors, Dave Inc.

(DAVE) is the stronger pick with 47. 5% revenue growth year-over-year, versus 9. 2% for Mogo Inc. (MOGO). Dave Inc. (DAVE) offers the better valuation at 18. 2x trailing P/E (18. 9x forward), making it the more compelling value choice. Analysts rate Dave Inc. (DAVE) a "Buy" — based on 11 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.

Over the past 5 years, Dave Inc.

(DAVE) delivered a total return of -21. 4%, compared to -95. 7% for Mogo Inc. (MOGO). Over 10 years, the gap is even starker: DAVE returned -21. 4% versus MOGO's -83. 1%. 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), Mogo Inc.

(MOGO) is the lower-risk stock at 1. 88β versus Dave Inc. 's 2. 69β — meaning DAVE is approximately 43% more volatile than MOGO relative to the S&P 500. On balance sheet safety, Dave Inc. (DAVE) carries a lower debt/equity ratio of 21% versus 105% for Mogo 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 9. 2% for Mogo Inc. (MOGO). On earnings-per-share growth, the picture is similar: Dave Inc. grew EPS 222. 9% year-over-year, compared to 22. 2% for Mogo Inc.. 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 -19. 2% for Mogo Inc. — meaning it keeps 38. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: DAVE leads at 8. 0% versus -5. 2% for MOGO. 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.

None of the stocks in this comparison currently pay a material dividend.

All are effectively zero-yield and should be held for capital appreciation rather than income.

For long-horizon retirement investors, Mogo Inc.

(MOGO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding. 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 (MOGO: -83. 1%, DAVE: -21. 4%), 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.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

In terms of investment character: MOGO is a small-cap quality compounder stock; DAVE is a small-cap high-growth stock. 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.