PM vs. DAVE
PM (Philip Morris International Inc.) and DAVE (Dave Inc.) are both stocks. PM operates in Tobacco (Consumer Defensive), while DAVE operates in Software - Application (Technology). Over the past 5 years, PM returned 18.78%/yr vs -2.05%/yr for DAVE. At a correlation of -0.01, they often move in opposite directions.
Performance
PM vs. DAVE - Performance Comparison
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Returns By Period
In the year-to-date period, PM achieves a 15.93% return, which is significantly lower than DAVE's 29.52% return.
PM
- 1D
- 1.95%
- 1M
- -1.92%
- YTD
- 15.93%
- 6M
- 22.12%
- 1Y
- 3.66%
- 3Y*
- 31.18%
- 5Y*
- 18.78%
- 10Y*
- 11.71%
DAVE
- 1D
- 0.47%
- 1M
- 19.46%
- YTD
- 29.52%
- 6M
- 45.12%
- 1Y
- 20.37%
- 3Y*
- 269.82%
- 5Y*
- -2.05%
- 10Y*
- —
PM vs. DAVE - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
PM Philip Morris International Inc. | 15.93% | 37.99% | 34.34% | -1.85% | 12.31% | 4.29% |
DAVE Dave Inc. | 29.52% | 154.73% | 936.61% | -9.64% | -97.17% | 4.59% |
Correlation
The correlation between PM and DAVE is -0.19, meaning they tend to move in opposite directions. This is especially valuable for risk management - when one declines, the other has historically tended to hold steady or rise.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | -0.19 |
Correlation (3Y) Calculated over the trailing 3-year period | -0.08 |
Correlation (5Y) Calculated over the trailing 5-year period | -0.01 |
Correlation (All Time) Calculated using the full available price history since Apr 26, 2021 | -0.01 |
The correlation between PM and DAVE shifts across timeframes, from -0.19 (1 year) to -0.01 (all time), reflecting how their relationship changes across market environments.
Fundamentals
PM:
$288.03B
DAVE:
$4.13B
PM:
$7.12
DAVE:
$15.54
PM:
25.90
DAVE:
18.45
PM:
2.81
DAVE:
0.08
PM:
6.93
DAVE:
7.53
PM:
$41.49B
DAVE:
$551.52M
PM:
$27.93B
DAVE:
$427.68M
PM:
$17.74B
DAVE:
$165.95M
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Return for Risk
PM vs. DAVE — Risk / Return Rank
PM
DAVE
PM vs. DAVE - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Philip Morris International Inc. (PM) 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.
| PM | DAVE | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.14 | ||
| Sortino ratioReturn per unit of downside risk | -0.52 | ||
| Omega ratioGain probability vs. loss probability | 1.05 | 1.11 | -0.06 |
| Calmar ratioReturn relative to maximum drawdown | 0.18 | 0.46 | -0.28 |
| Martin ratioReturn relative to average drawdown | 0.34 | 0.82 | -0.48 |
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Drawdowns
PM vs. DAVE - Drawdown Comparison
The maximum PM drawdown since its inception was -42.87%, smaller than the maximum DAVE drawdown of -99.01%. Use the drawdown chart below to compare losses from any high point for PM and DAVE.
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Drawdown Indicators
| PM | DAVE | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -42.87% | -99.01% | +56.14% |
Max Drawdown (1Y)Largest decline over 1 year | -20.64% | -44.67% | +24.03% |
Max Drawdown (3Y)Largest decline over 3 years | -20.64% | -44.67% | +24.03% |
Max Drawdown (5Y)Largest decline over 5 years | -22.78% | -99.01% | +76.23% |
Max Drawdown (10Y)Largest decline over 10 years | -42.87% | — | — |
Current DrawdownCurrent decline from peak | -3.94% | -37.33% | +33.39% |
Average DrawdownAverage peak-to-trough decline | -10.02% | -68.91% | +58.89% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.81% | 24.93% | -14.12% |
Volatility
PM vs. DAVE - Volatility Comparison
The current volatility for Philip Morris International Inc. (PM) is 7.76%, while Dave Inc. (DAVE) has a volatility of 18.61%. This indicates that PM 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.
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Volatility by Period
| PM | DAVE | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 7.76% | 18.61% | -10.85% |
Volatility (6M)Calculated over the trailing 6-month period | 21.07% | 48.97% | -27.90% |
Volatility (1Y)Calculated over the trailing 1-year period | 27.73% | 74.00% | -46.27% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 22.73% | 98.44% | -75.71% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 24.46% | 97.16% | -72.70% |
Dividends
PM vs. DAVE - Dividend Comparison
PM's dividend yield for the trailing twelve months is around 3.13%, while DAVE has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
DAVE Dave Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
PM Philip Morris International Inc. | 3.13% | 3.52% | 4.40% | 5.46% | 4.98% | 5.16% | 5.73% | 5.43% | 6.73% | 3.99% | 4.50% | 4.60% |
Financials
PM vs. DAVE - Financials Comparison
This section allows you to compare key financial metrics between Philip Morris International Inc. and Dave Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
PM vs. DAVE - Profitability Comparison
PM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Philip Morris International Inc. reported a gross profit of 6.91B and revenue of 10.15B. Therefore, the gross margin over that period was 68.1%.
DAVE - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 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%.
PM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Philip Morris International Inc. reported an operating income of 3.89B and revenue of 10.15B, resulting in an operating margin of 38.4%.
DAVE - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Dave Inc. reported an operating income of 21.15M and revenue of 147.59M, resulting in an operating margin of 14.3%.
PM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Philip Morris International Inc. reported a net income of 2.44B and revenue of 10.15B, resulting in a net margin of 24.0%.
DAVE - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 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
PM and DAVE have a correlation of -0.19, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
DAVE has higher volatility (18.61%) compared to PM (7.76%). In terms of maximum drawdown, PM dropped -42.87% vs DAVE's -99.01%.
DAVE currently has the higher Sharpe Ratio (0.28 vs 0.13), 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.
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