Enova International, Inc. vs MOODY'S CORPORATION, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Where ENVA and MCO diverge most: on implied growth (priced in), ENVA reads +1.2% and MCO reads +26.5%; on p/b, ENVA reads 4.22 and MCO reads 26.34. The rest of the comparable metrics sit closer together. On valuation, today's ENVA price has a different growth bar priced in than MCO (+1.2% implied for ENVA vs +26.5% for MCO); 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 | ENVA | MCO |
|---|---|---|
| Price | $253.81 | $477.96 |
| Market cap | $6.3B | $83.4B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | +1.2% | +26.5% |
| P/E | 18.9 | 30.3 |
| P/B | 4.22 | 26.34 |
| P/S | 1.83 | 10.22 |
| EV/EBITDA | 12.9 | 21.6 |
| Revenue growth | +17.6% | +11.7% |
| Gross margin | 61.1% | — |
| Operating margin | 25.5% | 47.9% |
| Net margin | 10.3% | 34.3% |
| Return on equity | 23.7% | 88.3% |
| Return on assets | 4.9% | 19.1% |
| Dividend yield | 1.5% | 0.8% |
| Debt / equity | 3.35 | 2.37 |
| Current ratio | — | 1.19 |
| Altman Z (solvency) | 1.67 | 7.01 |
| Piotroski F (quality) | 9 / 9 | 6 / 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.