Enova International vs PicS
ENVA and PICS side by side, both in personal credit institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How ENVA and PICS compare
PicS grew revenue faster over the last twelve months (84.5% versus 20.1% for Enova International).
Enova International keeps more of each dollar of sales as profit, with a net margin of 10.5% compared with −10.6% at PicS.
Enova International scores higher on the StockData Score (10 against 1 for PicS), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | ENVA | PICS |
|---|---|---|
| Size and price | ||
| Market cap | $4.2B | – |
| Share price | $169.85 | $7.42 |
| Change, 1 year | 31.5% | – |
| Change, 5 years | 329% | – |
| Beta (5Y) | 1.38 | – |
| Employees | 1,836 | 4,629 |
| StockData Score | ||
| Total score | 10 (better) | 1 |
| Valuation score | 2 (better) | 0 |
| Growth score | 5 (better) | 1 |
| Performance score | 3 (better) | 0 |
| Health score | 0 | 0 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 11.7× | – |
| P/S | 1.1× | – |
| P/B | 2.6× | – |
| EV/EBITDA | 4.4× | – |
| P/FCF | 2.1× | – |
| PEG | 0.51 | – |
| FCF yield | 48.3% | – |
| Fair value | $235.09 | – |
| Margin of safety | 27.8% | – |
| Growth | ||
| Revenue growth (TTM) | 20.1% | 84.5% (better) |
| Revenue growth, 5Y average | 23.8% | – |
| Net income growth (TTM) | 30.5% | – |
| EPS growth (TTM) | 33.4% | 402% (better) |
| EPS growth, 5Y average | −0.31% | – |
| Profitability | ||
| Gross margin | 60.6% | – |
| Operating margin | 24.0% (better) | 0.35% |
| Net margin | 10.5% (better) | −10.6% |
| FCF margin | 54.9% (better) | −37.0% |
| Return on equity | 26.8% | – |
| Return on invested capital | 50.4% | – |
| Financial health | ||
| Interest coverage | 2.3× (better) | 0.0× |
| Altman Z-score | 1.68 | – |
| Piotroski F-score | 8 (better) | 3 |
| Dividends and buybacks | ||
| Buyback yield | 3.4% | – |
| Shareholder yield | 3.4% | – |
| Ownership | ||
| Held by institutions | 96.4% | 11.1% |
| Held by insiders | 5.4% | 95.8% |
| Insider net buying, 12 months | −$72.4M | $4.0M (better) |
| Short interest, % of float | 7.3% | – |
Go deeper
- ENVA stock overview
- ENVA income statement
- ENVA valuation and score
- PICS stock overview
- PICS income statement
- PICS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.