Enova International Inc (ENVA)vsPayPal Holdings Inc (PYPL)
ENVA
Enova International Inc
$136.66
-0.52%
FINANCIAL SERVICES · Cap: $3.44B
PYPL
PayPal Holdings Inc
$44.85
+1.45%
FINANCIAL SERVICES · Cap: $41.37B
Smart Verdict
WallStSmart Research — data-driven comparison
PayPal Holdings Inc generates 2125% more annual revenue ($33.17B vs $1.49B). ENVA leads profitability with a 20.7% profit margin vs 15.8%. PYPL trades at a lower P/E of 8.2x. PYPL earns a higher WallStSmart Score of 78/100 (B+).
ENVA
Strong Buy73
out of 100
Grade: B
PYPL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+71.7%
Fair Value
$539.60
Current Price
$136.66
$402.94 discount
Margin of Safety
+82.3%
Fair Value
$253.19
Current Price
$44.85
$208.34 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 23.6%
Revenue surging 22.9% year-over-year
Attractively priced relative to earnings
Every $100 of equity generates 26 in profit
Growing faster than its price suggests
Reasonable price relative to book value
Earnings expanding 39.4% YoY
Generating 2.2B in free cash flow
Areas to Watch
Distress zone — elevated risk
3.7% revenue growth
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : ENVA
The strongest argument for ENVA centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 20.7% and operating margin at 23.6%. Revenue growth of 22.9% demonstrates continued momentum.
Bull Case : PYPL
The strongest argument for PYPL centers on P/E Ratio, Return on Equity, PEG Ratio. Profitability is solid with margins at 15.8% and operating margin at 17.5%. PEG of 0.69 suggests the stock is reasonably priced for its growth.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score.
Bear Case : PYPL
The primary concerns for PYPL are Revenue Growth, Altman Z-Score.
Key Dynamics to Monitor
ENVA profiles as a growth stock while PYPL is a value play — different risk/reward profiles.
PYPL carries more volatility with a beta of 1.46 — expect wider price swings.
ENVA is growing revenue faster at 22.9% — sustainability is the question.
PYPL generates stronger free cash flow (2.2B), providing more financial flexibility.
Bottom Line
PYPL scores higher overall (78/100 vs 73/100), backed by strong 15.8% margins. ENVA offers better value entry with a 71.7% margin of safety. 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.
PayPal Holdings Inc
FINANCIAL SERVICES · CREDIT SERVICES · USA
PayPal Holdings, Inc. is an American company operating an online payments system in the majority of countries that support online money transfers, and serves as an electronic alternative to traditional paper methods like checks and money orders. The company operates as a payment processor for online vendors, auction sites, and many other commercial users, for which it charges a fee.
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