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.
Where ENVA and OMF diverge most: on ev/ebitda, ENVA reads 10.8 and OMF reads 96.7; on dividend yield, ENVA reads 2.1% and OMF reads 7.4%. The rest of the comparable metrics sit closer together. The bull and bear cases for each are in their full reports below.
| Metric | ENVA | OMF |
|---|---|---|
| Price | $177.93 | $56.02 |
| Market cap | $4.4B | $6.6B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| P/E | 13.3 | 8.3 |
| P/B | 2.96 | 1.95 |
| P/S | 1.29 | 1.55 |
| EV/EBITDA | 10.8 | 96.7 |
| Revenue growth | +17.6% | +8.8% |
| Gross margin | 61.1% | — |
| Operating margin | 25.5% | — |
| Net margin | 10.3% | 18.7% |
| Return on equity | 23.7% | 23.6% |
| Return on assets | 4.9% | 3.0% |
| Dividend yield | 2.1% | 7.4% |
| Debt / equity | 3.35 | 6.63 |
| Altman Z (solvency) | 1.48 | 0.46 |
| 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.