Enova International Inc (ENVA)vsSynchrony Financial (SYF)
ENVA
Enova International Inc
$136.66
-0.52%
FINANCIAL SERVICES · Cap: $3.44B
SYF
Synchrony Financial
$67.63
+0.54%
FINANCIAL SERVICES · Cap: $24.23B
Smart Verdict
WallStSmart Research — data-driven comparison
Synchrony Financial generates 554% more annual revenue ($9.76B vs $1.49B). SYF leads profitability with a 36.4% profit margin vs 20.7%. SYF trades at a lower P/E of 7.3x. ENVA earns a higher WallStSmart Score of 73/100 (B).
ENVA
Strong Buy73
out of 100
Grade: B
SYF
Strong Buy71
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
+59.2%
Fair Value
$178.92
Current Price
$67.63
$111.29 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
Keeps 36 of every $100 in revenue as profit
Strong operational efficiency at 48.5%
Every $100 of equity generates 21 in profit
Reasonable price relative to book value
Generating 2.5B in free cash flow
Areas to Watch
Distress zone — elevated risk
Expensive relative to growth rate
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 : SYF
The strongest argument for SYF centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 36.4% and operating margin at 48.5%.
Bear Case : ENVA
The primary concerns for ENVA are Altman Z-Score.
Bear Case : SYF
The primary concerns for SYF are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
ENVA profiles as a growth stock while SYF is a value play — different risk/reward profiles.
SYF carries more volatility with a beta of 1.41 — expect wider price swings.
ENVA is growing revenue faster at 22.9% — sustainability is the question.
SYF generates stronger free cash flow (2.5B), providing more financial flexibility.
Bottom Line
ENVA scores higher overall (73/100 vs 71/100), backed by strong 20.7% margins and 22.9% revenue growth. SYF offers better value entry with a 59.2% 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.
Synchrony Financial
FINANCIAL SERVICES · CREDIT SERVICES · USA
Synchrony Financial is a consumer financial services company headquartered in Stamford, Connecticut, United States. The company offers consumer financing products, including credit, promotional financing and loyalty programs, installment lending to industries, and FDIC-insured consumer savings products through Synchrony Bank, its wholly owned online bank subsidiary.
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