Critical Survey: Dave (NASDAQ:DAVE) vs. MicroCloud Hologram (NASDAQ:HOLO)

Dave (NASDAQ:DAVE) and MicroCloud Hologram (NASDAQ:HOLO) are both business services companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, risk, valuation and profitability.

Valuation and Earnings

This table compares Dave and MicroCloud Hologram”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Dave	$347.10 million	7.57	$57.87 million	$10.09	19.29
MicroCloud Hologram	$40.76 million	1.09	-$8.89 million	($1,680.00)	0.00

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

Profitability

This table compares Dave and MicroCloud Hologram’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Dave	29.85%	65.86%	41.56%
MicroCloud Hologram	N/A	N/A	N/A

Analyst Recommendations

This is a summary of recent recommendations and price targets for Dave and MicroCloud Hologram, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Dave	0	1	10	1	3.00
MicroCloud Hologram	1	0	0	0	1.00

Dave currently has a consensus price target of $304.25, suggesting a potential upside of 56.28%. Given Dave’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Dave is more favorable than MicroCloud Hologram.

Insider and Institutional Ownership

18.0% of Dave shares are owned by institutional investors. Comparatively, 2.1% of MicroCloud Hologram shares are owned by institutional investors. 28.5% of Dave shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Volatility & Risk

Dave has a beta of 3.89, indicating that its share price is 289% more volatile than the S&P 500. Comparatively, MicroCloud Hologram has a beta of 3.23, indicating that its share price is 223% more volatile than the S&P 500.

Summary

Dave beats MicroCloud Hologram on 15 of the 15 factors compared between the two stocks.

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.

About MicroCloud Hologram

MicroCloud Hologram Inc. provides holographic technology services worldwide. It operates in two segments, Holographic Solutions and Holographic Technology Service. Its services include holographic light detection and ranging (LiDAR) solutions based on holographic technology, holographic LiDAR point cloud algorithms architecture design, technical holographic imaging solutions, holographic LiDAR sensor chip design, and holographic vehicle intelligent vision technology to service customers that provide holographic advanced driver assistance systems. The company also provides holographic digital twin technology services and has a proprietary holographic digital twin technology resource library, which captures shapes and objects in 3D holographic form by utilizing a combination of holographic digital twin software, digital content, spatial data-driven data science, holographic digital cloud algorithm, and holographic 3D capture technology. In addition, it distributes holographic hardware. The company is headquartered in Shenzhen, China.