COMP <GO>
NNI vs ENVA // EV/EBITDA & P/E VALUATION
Nelnet Inc. (NYSE) VS. Enova International Inc. (NYSE) • 15-METRIC TALLY: NNI 3
— ENVA 4
■ METRIC PARITY
LAST: $122.47 (-0.87%) • MKT CAP: $4.38B
valuation
—
LAST: $174.09 (-3.84%) • MKT CAP: $4.26B
valuation
7.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NNI VS. ENVA)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NNI | ENVA | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.60% | 17.10% | -5.50 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | 7.6x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.98% | 22.00% | -13.02 | ENVA | /fcf-yield <GO> |
| Operating Margin | — | 23.50% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 9.80% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 18.60% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.97% | 0.00% | +0.97 | NNI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 8/9 | -4.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.2 | 44.5 | -2.30 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.16 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 9.6x | 12.1x | -2.50 | NNI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.38B | $4.26B | $123.7M | NNI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NNI REV | ENVA REV | NNI GROSS % | ENVA GROSS % | NNI FCF | ENVA FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $3.15B | — | 58.1% | $396.7M | $1.68B |
| FY 2024 | $0 | $2.66B | — | 57.5% | $642.0M | $1.42B |
| FY 2023 | $0 | $2.12B | — | — | $432.0M | $1.07B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NNI // BETA —
ENVA // BETA 1.16