Enova International Inc (ENVA)vsPayPal Holdings Inc (PYPL)
ENVA
Enova International Inc
$223.48
+0.19%
FINANCIAL SERVICES · Cap: $5.58B
PYPL
PayPal Holdings Inc
$53.72
+0.77%
FINANCIAL SERVICES · Cap: $45.49B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 1917% more annual revenue ($34.13B vs $1.69B). ENVA leads profitability with a 21.0% profit margin vs 14.4%. PYPL trades at a lower P/E of 10.1x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy73
out of 100
Grade: B
PYPL
Buy65
out of 100
Grade: C+
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Revenue surging 31.1% year-over-year
Every $100 of equity generates 23 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Earnings expanding 39.9% YoY
Attractively priced relative to earnings
Every $100 of equity generates 25 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Generating 1.8B in free cash flow
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
4.8% revenue growth
Distress zone — elevated risk
Earnings declined 3.1%
Comparative Analysis Report
WallStSmart ResearchBull Case : ENVA
The strongest argument for ENVA centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 29.9%. Revenue growth of 31.1% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. PEG of 0.91 suggests the stock is reasonably priced for its growth.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score, EPS Growth.
Key Dynamics to Monitor
ENVA profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.29 — expect wider price swings.
ENVA is growing revenue faster at 31.1% — sustainability is the question.
PYPL generates stronger free cash flow (1.8B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 65/100), backed by strong 21.0% margins and 31.1% revenue growth. Both earn "Strong Buy" and "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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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