COMP <GO>
ENVA vs SEZL // OPTIONS IMPLIED MOVE & PUT/CALL SKEW
Enova International Inc. (NYSE) VS. Sezzle Inc. (NASDAQ) • 15-METRIC TALLY: ENVA 3
— SEZL 6
■ METRIC PARITY
LAST: $174.09 (-3.84%) • MKT CAP: $4.43B
options-implied-move
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LAST: $134.85 (+0.74%) • MKT CAP: $4.52B
options-implied-move
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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. SEZL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | SEZL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 38.60% | -21.50 | SEZL | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 25.7x | -18.10 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 4.63% | +17.37 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 74.90% | -51.40 | SEZL | /operating-margins <GO> |
| Net Profit Margin | 9.80% | 0.10% | +9.70 | ENVA | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 69.20% | -50.60 | SEZL | /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 | SEZL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew ACTIVE | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.7 | 58.2 | -7.50 | SEZL | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.16 | 0.00 | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.43B | $4.52B | -$94.0M | SEZL | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | SEZL REV | ENVA GROSS % | SEZL GROSS % | ENVA FCF | SEZL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $235.9M | 58.1% | — | $1.68B | $209.3M |
| FY 2024 | $2.66B | $139.4M | 57.5% | — | $1.42B | $130.6M |
| FY 2023 | $2.12B | $60.6M | — | — | $1.07B | -$28.4M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
SEZL // BETA 1.16