Reviewing Dave (NASDAQ:DAVE) & MicroCloud Hologram (NASDAQ:HOLO)

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

Profitability

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

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

Volatility and Risk

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

Earnings and Valuation

This table compares MicroCloud Hologram and Dave”s top-line revenue, earnings per share and valuation.

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

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.

Analyst Recommendations

This is a breakdown of recent ratings for MicroCloud Hologram and Dave, as provided by MarketBeat.

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

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

Insider & Institutional Ownership

2.1% of MicroCloud Hologram shares are held by institutional investors. Comparatively, 18.0% of Dave shares are held by institutional investors. 28.5% of Dave shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Summary

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

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.

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.