COMP <GO>
ENVA vs HSBC // ALTMAN Z-SCORE & DEBT/EQUITY
Enova International Inc. (NYSE) VS. HSBC Holdings plc. (NYSE) • 15-METRIC TALLY: ENVA 8
— HSBC 5
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: HSBC
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
balance-sheet
1.96
LAST: $85.42 (-1.36%) • MKT CAP: $297.33B
balance-sheet
3.74
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. HSBC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | HSBC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 58.10% | 41.00% | +17.10 | ENVA | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 9.90% | +7.20 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 21.0x | -13.40 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.21% | +19.79 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 13.90% | +9.60 | ENVA | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 10.90% | -1.10 | HSBC | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 23.10% | -4.50 | HSBC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 1.96 | 3.74 | -1.78 | HSBC | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 8/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 6.60% | +0.80 | HSBC | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.0 | 25.0 | +19.02 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 0.92 | +0.24 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 27.6x | -15.50 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $297.33B | -$292.90B | HSBC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | HSBC REV | ENVA GROSS % | HSBC GROSS % | ENVA FCF | HSBC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | — | 58.1% | — | $1.68B | — |
| FY 2024 | $2.66B | — | 57.5% | — | $1.42B | — |
| FY 2023 | $2.12B | — | 44.0% | — | $1.07B | — |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
HSBC // BETA 0.92