American International Group Inc (AIG)vsEnova International Inc (ENVA)
AIG
American International Group Inc
$75.33
+0.40%
FINANCIAL SERVICES · Cap: $39.85B
ENVA
Enova International Inc
$223.48
+0.19%
FINANCIAL SERVICES · Cap: $5.58B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1481% more annual revenue ($26.74B vs $1.69B). ENVA leads profitability with a 21.0% profit margin vs 11.1%. AIG trades at a lower P/E of 13.9x. ENVA earns a higher WallStSmart Score of 73/100 (B).
AIG
Buy64
out of 100
Grade: C+
ENVA
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Generating 1.7B in free cash flow
Revenue surging 31.1% year-over-year
Every $100 of equity generates 23 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 29.9%
Earnings expanding 39.9% YoY
Areas to Watch
0.5% revenue growth
ROE of 7.3% — below average capital efficiency
Earnings declined 10.1%
Distress zone — elevated risk
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : AIG
The strongest argument for AIG centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.57 suggests the stock is reasonably priced for its growth.
Bull Case : ENVA
The strongest argument for ENVA centers on Revenue Growth, Return on Equity, Profit Margin. Profitability is solid with margins at 21.0% and operating margin at 29.9%. Revenue growth of 31.1% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, EPS Growth.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.37 is elevated, increasing financial risk.
Key Dynamics to Monitor
AIG profiles as a value stock while ENVA is a growth play — different risk/reward profiles.
ENVA carries more volatility with a beta of 1.21 — expect wider price swings.
ENVA is growing revenue faster at 31.1% — sustainability is the question.
AIG generates stronger free cash flow (1.7B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 64/100), backed by strong 21.0% margins and 31.1% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
American International Group Inc
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
American International Group, Inc., also known as AIG, is an American multinational finance and insurance corporation with operations in more than 80 countries and jurisdictions. The company operates through three core businesses: General Insurance, Life & Retirement, and a standalone technology-enabled subsidiary.
Enova International Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Enova International, Inc., a technology and analytics company, offers online financial services in the United States, Brazil, Australia, and Canada. The company is headquartered in Chicago, Illinois.
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