COMP <GO>
ENVA vs BAC // RETURN ON INVESTED CAPITAL (ROIC)
Enova International Inc. (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: ENVA 9
— BAC 5
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: ENVA
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
roic
17.10%
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
roic
2.50%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 58.10% | 41.00% | +17.10 | ENVA | /gross-margins <GO> |
| Return on Invested Capital (ROIC) ACTIVE | 17.10% | 2.50% | +14.60 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 30.2x | -22.60 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.10% | +19.90 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 32.90% | -9.40 | BAC | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 27.00% | -17.20 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 6.80% | +11.80 | ENVA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.96 | 0.45 | +1.51 | ENVA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 6.60% | +0.80 | BAC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.0 | 27.7 | +16.35 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.90 | +0.26 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 10.9x | +1.20 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $357.61B | -$353.18B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | BAC REV | ENVA GROSS % | BAC GROSS % | ENVA FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $113.10B | 58.1% | 44.0% | $1.68B | $7.52B |
| FY 2024 | $2.66B | $105.86B | 57.5% | 44.0% | $1.42B | -$13.57B |
| FY 2023 | $2.12B | $102.77B | 44.0% | 44.0% | $1.07B | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
BAC // BETA 0.90