American International Group Inc (AIG)vsEnova International Inc (ENVA)
AIG
American International Group Inc
$73.42
-1.15%
FINANCIAL SERVICES · Cap: $40.16B
ENVA
Enova International Inc
$168.82
+0.57%
FINANCIAL SERVICES · Cap: $4.71B
Smart Verdict
WallStSmart Research — data-driven comparison
American International Group Inc generates 1590% more annual revenue ($26.70B vs $1.58B). ENVA leads profitability with a 20.7% profit margin vs 11.8%. AIG trades at a lower P/E of 13.3x. AIG earns a higher WallStSmart Score of 72/100 (B).
AIG
Strong Buy72
out of 100
Grade: B
ENVA
Strong Buy69
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
Earnings expanding 21.6% YoY
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 26.6%
Revenue surging 25.8% year-over-year
Earnings expanding 28.6% YoY
Areas to Watch
1.4% revenue growth
ROE of 7.8% — below average capital efficiency
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 0.62 suggests the stock is reasonably priced for its growth.
Bull Case : ENVA
The strongest argument for ENVA centers on Return on Equity, Profit Margin, P/E Ratio. Profitability is solid with margins at 20.7% and operating margin at 26.6%. Revenue growth of 25.8% demonstrates continued momentum.
Bear Case : AIG
The primary concerns for AIG are Revenue Growth, Return on Equity, Altman Z-Score.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score, Debt/Equity. Debt-to-equity of 3.47 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 1.30 — expect wider price swings.
ENVA is growing revenue faster at 25.8% — sustainability is the question.
ENVA generates stronger free cash flow (464M), providing more financial flexibility.
Bottom Line
AIG scores higher overall (72/100 vs 69/100). Both earn "Strong Buy" and "Strong 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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