Enova International Inc (ENVA)vsSun Life Financial Inc. (SLF)
ENVA
Enova International Inc
$223.48
+0.19%
FINANCIAL SERVICES · Cap: $5.58B
SLF
Sun Life Financial Inc.
$79.67
+0.14%
FINANCIAL SERVICES · Cap: $45.08B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2000% more annual revenue ($35.53B vs $1.69B). ENVA leads profitability with a 21.0% profit margin vs 9.5%. ENVA trades at a lower P/E of 16.6x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy73
out of 100
Grade: B
SLF
Strong Buy65
out of 100
Grade: B-
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
Reasonable price relative to book value
Earnings expanding 43.2% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
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 : SLF
The strongest argument for SLF centers on Price/Book, EPS 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 : SLF
The primary concerns for SLF are PEG Ratio.
Key Dynamics to Monitor
ENVA profiles as a growth stock while SLF is a value 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 31.1% — sustainability is the question.
ENVA generates stronger free cash flow (531M), 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 "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.
Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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