COMP <GO>
ENVA vs DAVE // FREE CASH FLOW YIELD
Enova International Inc. (NYSE) VS. Dave Inc. (NASDAQ) • 15-METRIC TALLY: ENVA 6
— DAVE 5
▲ FREE CASH FLOW YIELD LEADER: ENVA
LAST: $173.94 (-0.09%) • MKT CAP: $4.26B
fcf-yield
22.00%
LAST: $321.88 (+1.61%) • MKT CAP: $4.04B
fcf-yield
6.78%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. DAVE)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | DAVE | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 55.30% | -38.20 | DAVE | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 17.5x | -9.90 | ENVA | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 22.00% | 6.78% | +15.22 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 43.10% | -19.60 | DAVE | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 35.40% | -25.60 | DAVE | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 59.70% | -41.10 | DAVE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | DAVE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.5 | 41.2 | +3.30 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.96 | +0.20 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 18.3x | -6.20 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.26B | $4.04B | $217.4M | ENVA | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | DAVE REV | ENVA GROSS % | DAVE GROSS % | ENVA FCF | DAVE FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $554.2M | 58.1% | — | $1.68B | $289.7M |
| FY 2024 | $2.66B | $347.1M | 57.5% | — | $1.42B | $124.9M |
| FY 2023 | $2.12B | $259.1M | — | — | $1.07B | $22.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
DAVE // BETA 0.96