Enova International Inc (ENVA)vsVisa Inc. Class A (V)
ENVA
Enova International Inc
$136.66
-0.52%
FINANCIAL SERVICES · Cap: $3.44B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 2676% more annual revenue ($41.39B vs $1.49B). V leads profitability with a 50.2% profit margin vs 20.7%. ENVA trades at a lower P/E of 11.9x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy73
out of 100
Grade: B
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.7%
Fair Value
$539.60
Current Price
$136.66
$402.94 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 23.6%
Revenue surging 22.9% year-over-year
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ENVA
The strongest argument for ENVA centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 20.7% and operating margin at 23.6%. Revenue growth of 22.9% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
ENVA profiles as a growth stock while V is a mature play — different risk/reward profiles.
ENVA carries more volatility with a beta of 1.22 — expect wider price swings.
ENVA is growing revenue faster at 22.9% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 68/100), backed by strong 20.7% margins and 22.9% revenue growth. V offers better value entry with a 17.4% margin of safety. 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.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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