PACS vs. DAVE

Last updated Jul 18, 2026

PACS (PACS Group, Inc.) and DAVE (Dave Inc.) are both stocks. PACS operates in Medical Care Facilities (Healthcare), while DAVE operates in Software - Application (Technology). Over the past year, PACS returned 274.74% vs 115.87% for DAVE. At a 0.18 correlation, their price movements are largely independent.

Performance

PACS vs. DAVE - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in PACS Group, Inc. (PACS) and Dave Inc. (DAVE). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, PACS achieves a 20.16% return, which is significantly lower than DAVE's 98.92% return.

PACS

• 1D: 1.10%
• 1M: 30.90%
• 6M: 18.98%
• YTD: 20.16%
• 1Y: 274.74%
• 3Y*: —
• 5Y*: —
• 10Y*: —

DAVE

• 1D: -0.48%
• 1M: 54.08%
• 6M: 127.01%
• YTD: 98.92%
• 1Y: 115.87%
• 3Y*: 332.21%
• 5Y*: 6.81%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

PACS vs. DAVE - Yearly Performance Comparison

	2026 (YTD)	2025	2024
PACS PACS Group, Inc.	20.16%	192.83%	-43.00%
DAVE Dave Inc.	98.92%	154.73%	139.58%

Correlation

The correlation between PACS and DAVE is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.18
Correlation (All Time) Calculated using the full available price history since Apr 11, 2024	0.18

Fundamentals

Market Cap PACS : $7.30B DAVE : $5.92B
EPS PACS : $1.51 DAVE : $15.57
PE Ratio PACS : 30.50 DAVE : 28.29
PEG Ratio PACS : 0.34 DAVE : 0.13
PS Ratio PACS : 1.37 DAVE : 11.54
PB Ratio PACS : 7.21 DAVE : 31.12
Total Revenue (TTM) PACS : $5.43B DAVE : $551.52M
Gross Profit (TTM) PACS : $1.04B DAVE : $427.68M
EBITDA (TTM) PACS : $444.25M DAVE : $165.95M

Return for Risk

PACS vs. DAVE — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PACS

PACS Risk / Return Rank: 97
PACS Sharpe Ratio Rank: 96
PACS Sortino Ratio Rank: 97
PACS Omega Ratio Rank: 97
PACS Calmar Ratio Rank: 98
PACS Martin Ratio Rank: 98

DAVE

DAVE Risk / Return Rank: 84
DAVE Sharpe Ratio Rank: 87
DAVE Sortino Ratio Rank: 82
DAVE Omega Ratio Rank: 81
DAVE Calmar Ratio Rank: 86
DAVE Martin Ratio Rank: 84

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

PACS vs. DAVE - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for PACS Group, Inc. (PACS) and Dave Inc. (DAVE). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	PACS	DAVE	Difference
Sharpe ratio: Return per unit of total volatility	2.71	1.64	+1.07
Sortino ratio: Return per unit of downside risk	4.02	2.18	+1.84
Omega ratio: Gain probability vs. loss probability	1.57	1.27	+0.30
Calmar ratio: Return relative to maximum drawdown	7.68	2.98	+4.70
Martin ratio: Return relative to average drawdown	22.39	6.53	+15.86

PACS vs. DAVE - Sharpe Ratio Comparison

The current PACS Sharpe Ratio is 2.71, which is higher than the DAVE Sharpe Ratio of 1.64. The chart below compares the historical Sharpe Ratios of PACS and DAVE, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

PACS vs. DAVE - Drawdown Comparison

The maximum PACS drawdown since its inception was -82.04%, smaller than the maximum DAVE drawdown of -99.01%. Use the drawdown chart below to compare losses from any high point for PACS and DAVE.

Drawdown Indicators

	PACS	DAVE	Difference
Max Drawdown Largest peak-to-trough decline	-82.04%	-99.01%	+16.97%
Max Drawdown (1Y) Largest decline over 1 year	-36.02%	-39.11%	+3.09%
Max Drawdown (3Y) Largest decline over 3 years	—	-44.67%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-99.01%	—
Current Drawdown Current decline from peak	0.00%	-3.75%	+3.75%
Average Drawdown Average peak-to-trough decline	-37.56%	-68.06%	+30.50%
Ulcer Index Depth and duration of drawdowns from previous peaks	12.57%	17.81%	-5.24%

Volatility

PACS vs. DAVE - Volatility Comparison

The current volatility for PACS Group, Inc. (PACS) is 12.79%, while Dave Inc. (DAVE) has a volatility of 17.16%. This indicates that PACS experiences smaller price fluctuations and is considered to be less risky than DAVE based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	PACS	DAVE	Difference
Volatility (1M) Calculated over the trailing 1-month period	12.79%	17.16%	-4.37%
Volatility (6M) Calculated over the trailing 6-month period	44.13%	48.27%	-4.14%
Volatility (1Y) Calculated over the trailing 1-year period	102.13%	71.20%	+30.93%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	83.92%	98.92%	-15.00%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	83.92%	96.73%	-12.81%

Dividends

PACS vs. DAVE - Dividend Comparison

Neither PACS nor DAVE has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

PACS vs. DAVE - Profitability Comparison

The chart below illustrates the profitability comparison between PACS Group, Inc. and Dave Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

PACS - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, PACS Group, Inc. reported a gross profit of 232.35M and revenue of 1.42B. Therefore, the gross margin over that period was 16.4%.

DAVE - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jul 2026, Dave Inc. reported a gross profit of 120.00M and revenue of 147.59M. Therefore, the gross margin over that period was 81.3%.

PACS - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, PACS Group, Inc. reported an operating income of 120.04M and revenue of 1.42B, resulting in an operating margin of 8.5%.

DAVE - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Jul 2026, Dave Inc. reported an operating income of 21.15M and revenue of 147.59M, resulting in an operating margin of 14.3%.

PACS - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, PACS Group, Inc. reported a net income of 80.70M and revenue of 1.42B, resulting in a net margin of 5.7%.

DAVE - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Jul 2026, Dave Inc. reported a net income of 57.94M and revenue of 147.59M, resulting in a net margin of 39.3%.

Frequently Asked Questions

Can I hold both PACS and DAVE in my portfolio?

PACS and DAVE have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, PACS or DAVE?

DAVE has higher volatility (17.16%) compared to PACS (12.79%). In terms of maximum drawdown, PACS dropped -82.04% vs DAVE's -99.01%.

Which has better risk-adjusted returns?

PACS currently has the higher Sharpe Ratio (2.71 vs 1.64), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.