COMP <GO>
ENVA vs BRK-B // REVENUE GROWTH (YOY)
Enova International Inc. (NYSE) VS. Berkshire Hathaway Inc. (NYSE) • 15-METRIC TALLY: ENVA 7
— BRK-B 6
▲ REVENUE GROWTH (YOY) LEADER: ENVA
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
revenue-growth
18.60%
LAST: $542.49 (+0.10%) • MKT CAP: $1.16T
revenue-growth
3.93%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. BRK-B)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | BRK-B | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 58.10% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 11.47% | +5.63 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 9.7x | -2.08 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.09% | +19.91 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 27.80% | -4.30 | BRK-B | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 22.30% | -12.50 | BRK-B | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | 18.60% | 3.93% | +14.67 | 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 | 2.85 | -0.89 | BRK-B | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 4/9 | +4.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 3.55% | +3.85 | BRK-B | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.0 | 66.8 | -22.80 | BRK-B | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.61 | +0.55 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 24.3x | -12.24 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $1.16T | -$1.16T | BRK-B | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | BRK-B REV | ENVA GROSS % | BRK-B GROSS % | ENVA FCF | BRK-B FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $371.44B | 58.1% | — | $1.68B | $25.04B |
| FY 2024 | $2.66B | $371.43B | 57.5% | — | $1.42B | $11.62B |
| FY 2023 | $2.12B | $364.48B | 44.0% | — | $1.07B | $29.79B |
| FY 2022 | — | $302.02B | — | — | — | $21.89B |
| FY 2021 | — | $276.19B | — | — | — | $26.15B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
BRK-B // BETA 0.61