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 p/s, AFRM reads 6.59 and ENVA reads 1.29; on ev/ebitda, AFRM reads 50.4 and ENVA reads 10.8. 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 | $80.69 | $177.93 |
| Market cap | $28.1B | $4.4B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| P/E | 14.6 | 13.3 |
| P/B | 5.12 | 2.96 |
| P/S | 6.59 | 1.29 |
| EV/EBITDA | 50.4 | 10.8 |
| Revenue growth | +32.2% | +17.6% |
| Gross margin | — | 61.1% |
| Operating margin | 12.6% | 25.5% |
| Net margin | 10.5% | 10.3% |
| Return on equity | 8.2% | 23.7% |
| Return on assets | 2.8% | 4.9% |
| Dividend yield | — | 2.1% |
| Debt / equity | 1.79 | 3.35 |
| Altman Z (solvency) | 1.84 | 1.48 |
| Piotroski F (quality) | 7 / 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.