Enova International, Inc. (ENVA) vs Upstart Holdings, Inc. (UPST)
Enova International, Inc. and Upstart Holdings, Inc. are both Credit Services companies. Enova International, Inc. is the larger, with a market value of $4.3B against $2.4B — 1.8× the size. Enova International, Inc. trades at the lower P/E: 12.1× against 38.4×. Upstart Holdings, Inc. grew revenue faster over the last twelve months: 46.3% against 17.7%. Enova International, Inc. has the higher net margin (10.3% vs 4.84%) and the higher return on invested capital (8.56% vs 1.75%). Across the 20 metrics below, Enova International, Inc. leads on 14 and Upstart Holdings, Inc. on 6.
Valuation
Profitability
| Metric | ENVA | UPST | Credit Services median |
|---|---|---|---|
| Gross margin | 59.77% | 82.50% | 77.13% |
| Operating margin | 24.02% | 3.99% | 0.34% |
| Net margin | 10.31% | 4.84% | 9.25% |
| Free cash flow margin | 56.67% | (24.49%) | 13.03% |
| Return on equity | 26.08% | 7.94% | 8.49% |
| Return on assets | 5.49% | 2.14% | 2.29% |
| Return on invested capital | 8.56% | 1.75% | 4.09% |
Growth
Health
Dividend
Size
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