Enova International, Inc. vs ORIX CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
The margin lines run close, Enova's 9.95% net against Orix's 13.4%, but the businesses diverge sharply: Enova is a focused US online lender to non-prime consumers and small businesses, Orix a sprawling Japanese financial conglomerate. Enova earns the far higher return on equity, 23.3% against 9.8%, its concentrated subprime book out-returning the diversified holding by more than double. Enova trades at 18.8 times earnings, Orix has no usable P/E; Orix pays 2.64% in dividends against Enova's 1.6%. Both carry meaningful leverage, 3.45 and 1.43 turns. The pair prices a high-return US online lender against a diversified Japanese financial giant; Enova concentrates risk and earns for it, Orix spreads risk and earns less, and the market prices the concentration higher.
Comparison updated 2026-07-11.
| Metric | ENVA | IX |
|---|---|---|
| Price | $230.90 | $38.30 |
| Market cap | $6.1B | $42.9B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | +1.2% | — |
| P/E | 18.8 | — |
| P/B | 4.34 | 1.41 |
| P/S | 1.85 | 1.93 |
| EV/EBITDA | 13.3 | 13.5 |
| Revenue growth | +17.6% | +7.5% |
| Gross margin | 60.4% | — |
| Operating margin | 23.7% | 13.7% |
| Net margin | 9.9% | 13.4% |
| Return on equity | 23.3% | 9.8% |
| Return on assets | 4.8% | 2.5% |
| Dividend yield | 1.6% | 2.6% |
| Debt / equity | 3.45 | 1.43 |
| Altman Z (solvency) | 1.67 | 0.83 |
| 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.