Enova International Inc (ENVA)vsSun Life Financial Inc. (SLF)
ENVA
Enova International Inc
$168.82
+0.57%
FINANCIAL SERVICES · Cap: $4.71B
SLF
Sun Life Financial Inc.
$73.72
+1.04%
FINANCIAL SERVICES · Cap: $41.00B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2108% more annual revenue ($34.90B vs $1.58B). ENVA leads profitability with a 20.7% profit margin vs 8.8%. ENVA trades at a lower P/E of 15.4x. ENVA earns a higher WallStSmart Score of 69/100 (B-).
ENVA
Strong Buy69
out of 100
Grade: B-
SLF
Buy51
out of 100
Grade: C-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
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
Reasonable price relative to book value
Generating 4.1B in free cash flow
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
0.2% revenue growth
Earnings declined 48.4%
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : SLF
The strongest argument for SLF centers on Price/Book, Free Cash Flow. PEG of 1.42 suggests the stock is reasonably priced for its growth.
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.
Bear Case : SLF
The primary concerns for SLF are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
ENVA profiles as a growth stock while SLF is a value 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.
SLF generates stronger free cash flow (4.1B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (69/100 vs 51/100), backed by strong 20.7% margins and 25.8% 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.
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.
Sun Life Financial Inc.
FINANCIAL SERVICES · INSURANCE - DIVERSIFIED · USA
Sun Life Financial Inc., a financial services company, provides insurance, wealth and asset management solutions to individuals and corporate clients around the world. The company is headquartered in Toronto, Canada.
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