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ENVA vs V

ENVA
Enova International, Inc.
BULLISH
Price
$166.65
Market Cap
$4.15B
Sector
Financial Services
AI Confidence
85%
V
Visa Inc.
BULLISH
Price
$302.24
Market Cap
$582.73B
Sector
Financial Services
AI Confidence
75%

Valuation

P/E Ratio
ENVA
13.57
V
28.35
Forward P/E
ENVA
8.67
V
20.79
P/B Ratio
ENVA
2.96
V
15.09
P/S Ratio
ENVA
2.62
V
14.08
EV/EBITDA
ENVA
--
V
20.06

Profitability

Gross Margin
ENVA
82.82%
V
97.78%
Operating Margin
ENVA
26.61%
V
68.3%
Profit Margin
ENVA
20.66%
V
50.23%
ROE
ENVA
25.13%
V
53.95%
ROA
ENVA
5.29%
V
18.36%

Growth

Revenue Growth
ENVA
25.8%
V
14.6%
Earnings Growth
ENVA
28.6%
V
17.4%

Financial Health

Debt/Equity
ENVA
3.47
V
0.55
Current Ratio
ENVA
22.71
V
1.11
Quick Ratio
ENVA
21.56
V
0.72

Dividends

Dividend Yield
ENVA
--
V
0.89%
Payout Ratio
ENVA
0.0%
V
22.91%

AI Verdict

ENVA BULLISH

With a Piotroski F-Score of 4/9 (Stable) and a current price of $166.65 positioned between the Graham Number ($124.67) and a high Intrinsic Value ($362.26), ENVA presents a strong value-growth opportunity. The company demonstrates exceptional fundamental momentum with YoY earnings growth of 28.6% and a highly attractive forward P/E of 8.67. While insider sentiment is bearish and technical trends are currently weak, the high ROE (25.13%) and a long track record of earnings beats provide a significant safety margin. The high debt-to-equity ratio is typical for the credit services industry and is mitigated by an exceptionally strong current ratio of 22.71.

Strengths
Exceptional valuation with a forward P/E of 8.67 relative to high growth
Strong profitability metrics including 25.13% ROE and 20.66% profit margin
Consistent earnings outperformance (3/4 recent beats, long-term track record)
Risks
High leverage with a Debt/Equity ratio of 3.47
Significant insider selling totaling $24.07M in the last 6 months
Bearish technical trend (10/100) suggesting short-term price pressure
V BULLISH

V shows bullish fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Key strengths include strong valuation and growth metrics.

Strengths
Strong profitability (50.2% margin)
Strong ROE of 54.0%
Risks
Premium vs Graham Number ($69.32)

Compare Another Pair

ENVA vs V: Head-to-Head Comparison

This page compares Enova International, Inc. (ENVA) and Visa Inc. (V) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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