COMP <GO>
ENVA vs V // NET PROFIT MARGIN
Enova International Inc. (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: ENVA 5
— V 7
▲ NET PROFIT MARGIN LEADER: V
LAST: $173.94 (-0.09%) • MKT CAP: $4.25B
net-margins
9.80%
LAST: $425.51 (+2.88%) • MKT CAP: $760.28B
net-margins
50.10%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 32.30% | -15.20 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | 28.9x | -21.30 | ENVA | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 2.90% | +19.10 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | 60.00% | -36.50 | V | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 9.80% | 50.10% | -40.30 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | 11.30% | +7.30 | ENVA | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 9/9 | -1.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.4 | 74.2 | -29.80 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | 1.06 | +0.10 | ENVA | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.1x | 34.0x | -21.90 | ENVA | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.25B | $760.28B | -$756.03B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | V REV | ENVA GROSS % | V GROSS % | ENVA FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $40.00B | 58.1% | — | $1.68B | $21.26B |
| FY 2024 | $2.66B | $35.93B | 57.5% | — | $1.42B | $18.33B |
| FY 2023 | $2.12B | $32.65B | — | — | $1.07B | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
V // BETA 1.06