COMP <GO>
ENVA vs MS // RETURN ON INVESTED CAPITAL (ROIC)
Enova International Inc. (NYSE) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: ENVA 10
— MS 5
▲ RETURN ON INVESTED CAPITAL (ROIC) LEADER: ENVA
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
roic
17.10%
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
roic
3.00%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | MS | 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% | 3.00% | +14.10 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 31.0x | -23.40 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | -7.25% | +29.25 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 24.60% | -1.10 | MS | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 20.20% | -10.40 | MS | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 5.50% | +13.10 | ENVA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.21% | -2.21 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 1.96 | 0.46 | +1.50 | ENVA | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 5/9 | +3.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 7.40% | 7.00% | +0.40 | MS | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.0 | 43.3 | +0.73 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.04 | +0.12 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 16.5x | -4.40 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $298.41B | -$293.98B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | MS REV | ENVA GROSS % | MS GROSS % | ENVA FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $0 | 58.1% | — | $1.68B | -$17.89B |
| FY 2024 | $2.66B | $0 | 57.5% | — | $1.42B | $1.36B |
| FY 2023 | $2.12B | $0 | 44.0% | — | $1.07B | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
MS // BETA 1.04