Affirm Holdings, Inc. vs Enova International, Inc., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where AFRM and ENVA diverge most: on ev/ebitda, AFRM reads 52.7 and ENVA reads 12.9; on p/s, AFRM reads 6.27 and ENVA reads 1.83. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | AFRM | ENVA |
|---|---|---|
| Price | $71.49 | $253.81 |
| Market cap | $24.9B | $6.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| Implied growth (priced in) | — | +1.2% |
| P/E | 63.8 | 18.9 |
| P/B | 6.58 | 4.22 |
| P/S | 6.27 | 1.83 |
| EV/EBITDA | 52.7 | 12.9 |
| Revenue growth | +32.2% | +17.6% |
| Gross margin | — | 61.1% |
| Operating margin | 8.5% | 25.5% |
| Net margin | 9.6% | 10.3% |
| Return on equity | 10.1% | 23.7% |
| Return on assets | 2.9% | 4.9% |
| Dividend yield | — | 1.5% |
| Debt / equity | 2.35 | 3.35 |
| Altman Z (solvency) | 1.63 | 1.67 |
| Piotroski F (quality) | 8 / 9 | 9 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.