Enova International Inc (ENVA)vsSun Life Financial Inc. (SLF)
ENVA
Enova International Inc
$168.58
-2.29%
FINANCIAL SERVICES · Cap: $4.20B
SLF
Sun Life Financial Inc.
$72.08
+2.23%
FINANCIAL SERVICES · Cap: $39.07B
Smart Verdict
WallStSmart Research — data-driven comparison
Sun Life Financial Inc. generates 2107% more annual revenue ($34.88B vs $1.58B). ENVA leads profitability with a 20.7% profit margin vs 10.2%. ENVA trades at a lower P/E of 13.7x. ENVA earns a higher WallStSmart Score of 69/100 (B-).
ENVA
Strong Buy69
out of 100
Grade: B-
SLF
Strong Buy67
out of 100
Grade: B-
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 25 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 26.6%
Revenue surging 25.8% year-over-year
Earnings expanding 240.9% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Generating 5.3B in free cash flow
Areas to Watch
Distress zone — elevated risk
4.7% revenue growth
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 EPS Growth, P/E Ratio, Price/Book. PEG of 1.18 suggests the stock is reasonably priced for its growth.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score.
Bear Case : SLF
The primary concerns for SLF are Revenue 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 1.21 — expect wider price swings.
ENVA is growing revenue faster at 25.8% — sustainability is the question.
SLF generates stronger free cash flow (5.3B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (69/100 vs 67/100), backed by strong 20.7% margins and 25.8% 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.
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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