Enova International Inc (ENVA)vsMastercard Inc (MA)
ENVA
Enova International Inc
$223.48
+0.19%
FINANCIAL SERVICES · Cap: $5.58B
MA
Mastercard Inc
$569.19
+0.68%
FINANCIAL SERVICES · Cap: $498.62B
Smart Verdict
WallStSmart Research — data-driven comparison
Mastercard Inc generates 1974% more annual revenue ($35.08B vs $1.69B). MA leads profitability with a 46.3% profit margin vs 21.0%. ENVA trades at a lower P/E of 16.6x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy73
out of 100
Grade: B
MA
Strong Buy72
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Mega-cap, among the largest globally
Every $100 of equity generates 290 in profit
Keeps 46 of every $100 in revenue as profit
Strong operational efficiency at 61.1%
Safe zone — low bankruptcy risk
Earnings expanding 22.1% YoY
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Premium valuation, high expectations priced in
Trading at 88.9x book value
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : MA
The strongest argument for MA centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 46.3% and operating margin at 61.1%. Revenue growth of 14.1% demonstrates continued momentum.
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.
Bear Case : MA
The primary concerns for MA are P/E Ratio, Price/Book, Debt/Equity. Debt-to-equity of 4.39 is elevated, increasing financial risk.
Key Dynamics to Monitor
ENVA profiles as a growth stock while MA is a mature 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.
MA generates stronger free cash flow (3.3B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 72/100), backed by strong 21.0% margins and 31.1% revenue growth. 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.
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.
Mastercard Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
Mastercard Incorporated is an American multinational financial services corporation headquartered in the Mastercard International Global Headquarters in Purchase, New York. The Global Operations Headquarters is located in O'Fallon, Missouri, a municipality of St. Charles County, Missouri. Throughout the world, its principal business is to process payments between the banks of merchants and the card-issuing banks or credit unions of the purchasers who use the Mastercard brand debit, credit and prepaid cards to make purchases. Mastercard Worldwide has been a publicly traded company since 2006.
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