WallStSmart

Cadence Design Systems Inc (CDNS)vsDave Inc (DAVE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Cadence Design Systems Inc generates 814% more annual revenue ($5.53B vs $604.62M). DAVE leads profitability with a 37.2% profit margin vs 21.2%. DAVE trades at a lower P/E of 18.4x. DAVE earns a higher WallStSmart Score of 70/100 (B).

CDNS

Buy

62

out of 100

Grade: C+

Growth: 8.0Profit: 8.5Value: 3.0Quality: 7.0
Piotroski: 4/9Altman Z: 3.09

DAVE

Strong Buy

70

out of 100

Grade: B

Growth: 10.0Profit: 10.0Value: 4.3Quality: 7.0
Piotroski: 3/9Altman Z: 4.81
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CDNS.

DAVESignificantly Overvalued (-28.7%)

Margin of Safety

-28.7%

Fair Value

$131.75

Current Price

$258.25

$126.50 premium

UndervaluedFair: $131.75Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CDNS6 strengths · Avg: 8.7/10
Altman Z-ScoreHealth
3.0910/10

Safe zone — low bankruptcy risk

Market CapQuality
$114.85B9/10

Large-cap with strong market position

Profit MarginProfitability
21.2%9/10

Keeps 21 of every $100 in revenue as profit

Operating MarginProfitability
29.7%8/10

Strong operational efficiency at 29.7%

Revenue GrowthGrowth
18.7%8/10

18.7% revenue growth

EPS GrowthGrowth
23.0%8/10

Earnings expanding 23.0% YoY

DAVE6 strengths · Avg: 10.0/10
Return on EquityProfitability
110.4%10/10

Every $100 of equity generates 110 in profit

Profit MarginProfitability
37.2%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
38.3%10/10

Strong operational efficiency at 38.3%

Revenue GrowthGrowth
46.7%10/10

Revenue surging 46.7% year-over-year

EPS GrowthGrowth
104.1%10/10

Earnings expanding 104.1% YoY

Altman Z-ScoreHealth
4.8110/10

Safe zone — low bankruptcy risk

Areas to Watch

CDNS3 concerns · Avg: 2.7/10
Price/BookValuation
15.8x4/10

Trading at 15.8x book value

PEG RatioValuation
3.932/10

Expensive relative to growth rate

P/E RatioValuation
96.6x2/10

Premium valuation, high expectations priced in

DAVE3 concerns · Avg: 3.3/10
Price/BookValuation
16.1x4/10

Trading at 16.1x book value

Debt/EquityHealth
1.323/10

Elevated debt levels

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : CDNS

The strongest argument for CDNS centers on Altman Z-Score, Market Cap, Profit Margin. Profitability is solid with margins at 21.2% and operating margin at 29.7%. Revenue growth of 18.7% demonstrates continued momentum.

Bull Case : DAVE

The strongest argument for DAVE centers on Return on Equity, Profit Margin, Operating Margin. Profitability is solid with margins at 37.2% and operating margin at 38.3%. Revenue growth of 46.7% demonstrates continued momentum.

Bear Case : CDNS

The primary concerns for CDNS are Price/Book, PEG Ratio, P/E Ratio. A P/E of 96.6x leaves little room for execution misses.

Bear Case : DAVE

The primary concerns for DAVE are Price/Book, Debt/Equity, Piotroski F-Score.

Key Dynamics to Monitor

DAVE carries more volatility with a beta of 3.88 — expect wider price swings.

DAVE is growing revenue faster at 46.7% — sustainability is the question.

CDNS generates stronger free cash flow (307M), providing more financial flexibility.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

DAVE scores higher overall (70/100 vs 62/100), backed by strong 37.2% margins and 46.7% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Cadence Design Systems Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Cadence Design Systems, Inc., headquartered in San Jose, California, is an American multinational computational software company. The company produces software, hardware and silicon structures for designing integrated circuits, systems on chips (SoCs) and printed circuit boards.

Dave Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Dave Inc. (Ticker: DAVE) is a U.S.–based financial technology (fintech) and digital banking company that offers consumer-focused financial products and services through its mobile platform. Its offerings include budgeting tools to help users manage income and expenses, ExtraCash short-term cash advances, digital checking accounts via Dave Banking, and a job-finding feature called Side Hustle. The company’s platform aims to provide accessible, modern financial solutions designed as alternatives to traditional banking fees and overdraft charges.

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