Enova International, Inc. vs Happen, Inc., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where ENVA and LC diverge most: on debt / equity, ENVA reads 3.35 and LC reads 0.00; on altman z (solvency), ENVA reads 1.67 and LC reads 0.20. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | ENVA | LC |
|---|---|---|
| Price | $253.81 | $19.20 |
| Market cap | $6.3B | $2.3B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Growth |
| Implied growth (priced in) | +1.0% | — |
| P/E | 18.9 | 11.5 |
| P/B | 4.22 | 1.44 |
| P/S | 1.83 | 2.15 |
| EV/EBITDA | 12.9 | — |
| Revenue growth | +17.6% | +19.1% |
| Gross margin | 61.1% | — |
| Operating margin | 25.5% | — |
| Net margin | 10.3% | 18.7% |
| Return on equity | 23.7% | 12.5% |
| Return on assets | 4.9% | 1.6% |
| Dividend yield | 1.5% | — |
| Debt / equity | 3.35 | 0.00 |
| Altman Z (solvency) | 1.67 | 0.20 |
| Piotroski F (quality) | 9 / 9 | 5 / 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.