Enova International, Inc. (ENVA) vs Sezzle Inc. (SEZL)
Enova International, Inc. and Sezzle Inc. are both Credit Services companies. Enova International, Inc. is the larger, with a market value of $4.3B against $3.8B — 1.1× the size. Enova International, Inc. trades at the lower P/E: 12.1× against 23.6×. Sezzle Inc. grew revenue faster over the last twelve months: 43.1% against 17.7%. Sezzle Inc. has the higher net margin (30.4% vs 10.3%) and the higher return on invested capital (49.7% vs 8.56%). Across the 22 metrics below, Sezzle Inc. leads on 12 and Enova International, Inc. on 10.
Valuation
Profitability
| Metric | ENVA | SEZL | Credit Services median |
|---|---|---|---|
| Gross margin | 59.77% | 82.59% | 77.13% |
| Operating margin | 24.02% | 40.39% | 0.34% |
| Net margin | 10.31% | 30.35% | 9.25% |
| Free cash flow margin | 56.67% | 51.12% | 13.03% |
| Return on equity | 26.08% | 88.85% | 8.49% |
| Return on assets | 5.49% | 40.01% | 2.29% |
| Return on invested capital | 8.56% | 49.69% | 4.09% |
Growth
Health
Dividend
Size
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