Enova International Inc (ENVA)vsJPMorgan Chase & Co (JPM)
ENVA
Enova International Inc
$168.58
-2.29%
FINANCIAL SERVICES · Cap: $4.20B
JPM
JPMorgan Chase & Co
$313.23
+1.29%
FINANCIAL SERVICES · Cap: $828.64B
Smart Verdict
WallStSmart Research — data-driven comparison
JPMorgan Chase & Co generates 10883% more annual revenue ($173.56B vs $1.58B). JPM leads profitability with a 33.9% profit margin vs 20.7%. ENVA trades at a lower P/E of 13.7x. JPM earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy69
out of 100
Grade: B-
JPM
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 25 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Revenue surging 25.8% year-over-year
Mega-cap, among the largest globally
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 43.0%
Generating 368.4B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ENVA
The strongest argument for ENVA centers on Return on Equity, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.7% and operating margin at 26.6%. Revenue growth of 25.8% demonstrates continued momentum.
Bull Case : JPM
The strongest argument for JPM centers on Market Cap, Profit Margin, Operating Margin. Profitability is solid with margins at 33.9% and operating margin at 43.0%. Revenue growth of 12.7% demonstrates continued momentum.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score.
Bear Case : JPM
The primary concerns for JPM are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
ENVA profiles as a growth stock while JPM is a mature play — different risk/reward profiles.
ENVA carries more volatility with a beta of 1.21 — expect wider price swings.
ENVA is growing revenue faster at 25.8% — sustainability is the question.
JPM generates stronger free cash flow (368.4B), providing more financial flexibility.
Bottom Line
JPM scores higher overall (73/100 vs 69/100), backed by strong 33.9% margins and 12.7% revenue growth. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Enova International Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.
JPMorgan Chase & Co
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
JPMorgan Chase & Co. is an American multinational investment bank and financial services holding company headquartered in New York City. JPMorgan Chase is incorporated in Delaware. As a Bulge Bracket bank, it is a major provider of various investment banking and financial services. It is one of America's Big Four banks, along with Bank of America, Citigroup, and Wells Fargo. JPMorgan Chase is considered to be a universal bank and a custodian bank. The J.P. Morgan brand is used by the investment banking, asset management, private banking, private wealth management, and treasury services divisions.
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