Enova International, Inc. vs ONEMAIN HOLDINGS, INC., two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Enova earns 23.3% on equity, OneMain 23.6%, a near-dead-heat between two non-prime consumer lenders, one online-first, one branch-and-online, both elite underwriters of borrowers banks avoid. OneMain nets 18.7% of revenue to Enova's 9.95%, the branch model's fatter per-loan economics; Enova's digital model runs leaner. The multiples sit at 18.8 and 9 times, Enova dearer for its growth profile, OneMain cheaper with a 6.9% dividend against Enova's 1.6%. Both carry heavy leverage, 3.45 and 6.63 turns, standard for the trade. The pair prices two high-return subprime lenders at matched returns but very different multiples; OneMain hands back a fat dividend, Enova retains for growth, and the market pays double for the growth.
Comparison updated 2026-07-11.
| Metric | ENVA | OMF |
|---|---|---|
| Price | $230.90 | $60.45 |
| Market cap | $6.1B | $7.1B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | +1.2% | +7.8% |
| P/E | 18.8 | 9.0 |
| P/B | 4.34 | 2.10 |
| P/S | 1.85 | 1.67 |
| EV/EBITDA | 13.3 | 387.2 |
| Revenue growth | +17.6% | +8.8% |
| Gross margin | 60.4% | — |
| Operating margin | 23.7% | — |
| Net margin | 9.9% | 18.7% |
| Return on equity | 23.3% | 23.6% |
| Return on assets | 4.8% | 3.0% |
| Dividend yield | 1.6% | 6.9% |
| Debt / equity | 3.45 | 6.63 |
| Altman Z (solvency) | 1.67 | 0.48 |
| Piotroski F (quality) | 7 / 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.