Enova International, Inc. vs TransUnion, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Enova earns 23.29% on equity, TransUnion 14.33%, the leveraged online lender out-earning the asset-light credit bureau on capital. But the models could not differ more: Enova takes non-prime credit risk, TransUnion sells the data that prices it, no loan losses on its page. TransUnion nets 14.9% of revenue to Enova's 9.95%, and trades at 19.5 times earnings against 18.8, near-matched multiples for very different risk. TransUnion carries 1.14 turns of debt against Enova's 3.45, and pays 0.65%. Enova earns more on equity through leverage and risk while TransUnion earns it safely, and the market charges nearly the same multiple for the lender and the bureau that scores its borrowers.
Comparison updated 2026-07-11.
| Metric | ENVA | TRU |
|---|---|---|
| Price | $230.90 | $70.34 |
| Market cap | $6.1B | $13.7B |
| Sector | Financial Services | Financial Services |
| Stage | Growth | Mature |
| Implied growth (priced in) | +1.2% | +23.5% |
| P/E | 18.8 | 19.5 |
| P/B | 4.34 | 2.78 |
| P/S | 1.85 | 2.89 |
| EV/EBITDA | 13.3 | 12.9 |
| Revenue growth | +17.6% | +11.0% |
| Gross margin | 60.4% | — |
| Operating margin | 23.7% | 19.6% |
| Net margin | 9.9% | 14.9% |
| Return on equity | 23.3% | 14.3% |
| Return on assets | 4.8% | 5.8% |
| Dividend yield | 1.6% | 0.7% |
| Debt / equity | 3.45 | 1.14 |
| Current ratio | — | 1.93 |
| Altman Z (solvency) | 1.67 | 2.07 |
| Piotroski F (quality) | 7 / 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.