EQUIFAX 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 EFX and ENVA diverge most: on implied growth (priced in), EFX reads +23.8% and ENVA reads +1.2%; on debt / equity, EFX reads 1.24 and ENVA reads 3.35. The rest of the comparable metrics sit closer together. On valuation, today's EFX price has a different growth bar priced in than ENVA (+23.8% implied for EFX vs +1.2% for ENVA); the higher figure is the steeper assumption to clear, not a better or worse stock. The bull and bear cases for each are in their full reports below.
| Metric | EFX | ENVA |
|---|---|---|
| Price | $172.79 | $253.81 |
| Market cap | $20.6B | $6.3B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Growth |
| Implied growth (priced in) | +23.8% | +1.2% |
| P/E | 30.4 | 18.9 |
| P/B | 4.68 | 4.22 |
| P/S | 3.20 | 1.83 |
| EV/EBITDA | 13.6 | 12.9 |
| Revenue growth | +10.3% | +17.6% |
| Gross margin | — | 61.1% |
| Operating margin | 18.5% | 25.5% |
| Net margin | 10.7% | 10.3% |
| Return on equity | 15.7% | 23.7% |
| Return on assets | 5.8% | 4.9% |
| Dividend yield | 1.1% | 1.5% |
| Debt / equity | 1.24 | 3.35 |
| Current ratio | 0.60 | — |
| Altman Z (solvency) | 2.95 | 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.