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Enova International, Inc. (ENVA) vs FirstCash Holdings, Inc. (FCFS)

Enova International, Inc. and FirstCash Holdings, Inc. are both Credit Services companies. FirstCash Holdings, Inc. is the larger, with a market value of $8.0B against $4.3B — 1.9× the size. Enova International, Inc. trades at the lower P/E: 11.3× against 20.4×. FirstCash Holdings, Inc. grew revenue faster over the last twelve months: 22.9% against 20.1%. Enova International, Inc. has the higher net margin (10.5% vs 9.48%) and the lower return on invested capital (8.51% vs 9.40%). Across the 20 metrics below, Enova International, Inc. leads on 14 and FirstCash Holdings, Inc. on 6.

Valuation

Metric ENVA FCFS Credit Services median
P/E 11.33 20.38 8.96
P/S 1.19 1.89 1.00
P/B 2.76 3.56 1.23
Price to free cash flow 2.16 15.63 2.55
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.82% 4.91% 7.17%
Free cash flow yield 46.28% 6.40% 11.75%

Profitability

Metric ENVA FCFS Credit Services median
Gross margin 60.59% 50.20% 76.61%
Operating margin 24.04% 15.85% 0.34%
Net margin 10.47% 9.48% 8.35%
Free cash flow margin 54.93% 12.09% 8.73%
Return on equity 26.82% 18.18% 9.05%
Return on assets 5.60% 7.57% 1.94%
Return on invested capital 8.51% 9.40% 4.56%

Growth

Metric ENVA FCFS Credit Services median
Revenue growth (TTM) 20.08% 22.93% 4.49%
EPS growth (last fiscal year) 55.05% 29.49% 21.94%
Revenue growth, 5-year CAGR 23.80% 17.55% 9.22%
Net income growth, 5-year CAGR (3.98%) 25.39% 0.00%

Health

Metric ENVA FCFS Credit Services median
Debt to equity 3.43 1.08 0.69
Current ratio 18.91 4.81 1.26
Net debt to EBITDA 5.13 2.28 0.11

Dividend

Metric ENVA FCFS Credit Services median
Dividend yield — 0.89% 1.64%
Payout ratio — 0.18 0.21

Size

Metric ENVA FCFS Credit Services median
Market cap 4.26b 8.04b 759.73m

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