COMP <GO>
ENVA vs NNI // FORWARD P/E MULTIPLE
Enova International Inc. (NYSE) VS. Nelnet Inc. (NYSE) • 15-METRIC TALLY: ENVA 4
— NNI 3
▲ FORWARD P/E MULTIPLE LEADER: NNI
LAST: $173.94 (-0.09%) • MKT CAP: $4.26B
forward-pe
12.1x
LAST: $124.27 (+1.47%) • MKT CAP: $4.38B
forward-pe
9.6x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ENVA VS. NNI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ENVA | NNI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 17.10% | 11.60% | +5.50 | ENVA | /roic <GO> |
| EV/EBITDA & P/E Valuation | 7.6x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 22.00% | 8.98% | +13.02 | ENVA | /fcf-yield <GO> |
| Operating Margin | 23.50% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 9.80% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 18.60% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.97% | -0.97 | NNI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 4/9 | +4.00 | ENVA | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.5 | 42.2 | +2.30 | ENVA | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.16 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple ACTIVE | 12.1x | 9.6x | +2.50 | NNI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.26B | $4.38B | -$123.7M | NNI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ENVA REV | NNI REV | ENVA GROSS % | NNI GROSS % | ENVA FCF | NNI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.15B | $5.91B | 58.1% | — | $1.68B | $396.7M |
| FY 2024 | $2.66B | $5.79B | 57.5% | — | $1.42B | $642.0M |
| FY 2023 | $2.12B | $1.64B | — | — | $1.07B | $432.0M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ENVA // BETA 1.16
NNI // BETA —