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Enova International, Inc. (ENVA) vs Sezzle Inc. (SEZL)

Enova International, Inc. and Sezzle Inc. are both Credit Services companies. Enova International, Inc. and Sezzle Inc. are of similar size ($4.5B and $4.4B). Enova International, Inc. trades at the lower P/E: 12.4× against 27.0×. 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 20 metrics below, Sezzle Inc. leads on 12 and Enova International, Inc. on 8.

Valuation

Metric ENVA SEZL Credit Services median
P/E 12.45 27.04 9.39
P/S 1.28 8.07 0.86
P/B 2.96 18.43 1.16
Price to free cash flow 2.27 15.79 2.78
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.03% 3.70% 6.55%
Free cash flow yield 44.12% 6.33% 12.26%

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% 12.91%
Return on equity 26.08% 88.85% 8.49%
Return on assets 5.49% 40.01% 2.16%
Return on invested capital 8.56% 49.69% 4.09%

Growth

Metric ENVA SEZL Credit Services median
Revenue growth (TTM) 17.65% 43.06% 4.62%
EPS growth (last fiscal year) 55.05% 69.99% 21.94%
Revenue growth, 5-year CAGR 23.80% 50.26% 9.13%
Net income growth, 5-year CAGR (3.98%) 0.00% 0.00%

Health

Metric ENVA SEZL Credit Services median
Debt to equity 3.35 0.52 0.68
Current ratio 18.42 4.02 1.55
Net debt to EBITDA 5.13 0.38 0.13

Dividend

Metric ENVA SEZL Credit Services median
Dividend yield — — 1.64%
Payout ratio — — 0.22

Size

Metric ENVA SEZL Credit Services median
Market cap 4.42b 4.47b 751.08m

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