ENVA vs NNI: stock comparison and AI forecast
Enova International, Inc. (ENVA) and Nelnet Inc (NNI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ENVA Enova International, Inc.
- Market Cap
- $4.25B
- P/E Ratio
- 12.0x
- Size
- mid-cap
- AI Forecast
NNI Nelnet Inc
- Market Cap
- $4.42B
- P/E Ratio
- 14.7x
- Size
- mid-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- ENVA and NNI have similar market capitalizations ($4.25B and $4.42B).
- ENVA trades at 12.0 times trailing earnings, NNI at 14.7 times.
- NNI turns 35.7% of its revenue into net income, against 10.5% for ENVA.
- ENVA carries 3.91 times debt per unit of equity, against 2.82 times for NNI.
- NNI yields 1.05% in dividends; ENVA pays none.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ENVA | NNI |
|---|---|---|
| Market Cap | $4.25B | $4.42B |
| P/E Ratio | 12.03x | 14.74x |
| P/B Ratio | 2.71x | 1.17x |
| Dividend Yield | – | 1.05% |
| EPS | $14.46 | $8.38 |
| Book Value/Share | $64.13 | $105.38 |
| Revenue/Share | $149.33 | $23.69 |
| FCF/Share | $82.02 | $10.17 |
Profitability & Margins
| Metric | ENVA | NNI |
|---|---|---|
| ROE | 24.4% | 8.0% |
| ROA | 5.0% | 2.1% |
| Gross Margin | 60.6% | 75.7% |
| Operating Margin | 24.0% | – |
| Net Margin | 10.5% | 35.7% |
| EBT Margin | 13.5% | 41.8% |
| Tax Rate | 22.7% | 23.6% |
Financial Health
| Metric | ENVA | NNI |
|---|---|---|
| D/E Ratio | 3.91x | 2.82x |
| Financial Leverage | 4.91x | 3.79x |
| Interest Coverage | 2.4x | – |
Cash Flow
| Metric | ENVA | NNI |
|---|---|---|
| Operating Cash Flow | $2.05B | $401M |
| Free Cash Flow | $2.01B | $364M |
| Capital Spending | -$47M | -$37M |
| OCF Growth YoY | 17.3% | -18.2% |
| FCF Growth YoY | 17.7% | -26.7% |
| FCF/Sales | 54.9% | 43.0% |
| CapEx/Sales | 1.3% | 4.4% |
Operational Efficiency
| Metric | ENVA | NNI |
|---|---|---|
| Asset Turnover | 0.47x | 0.06x |
| Receivables Turnover | – | 5.0x |
| Fixed Assets Turnover | 25.8x | 10.5x |
| Days Sales Outstanding | – | 73 days |
Income Statement
| Metric | ENVA | NNI |
|---|---|---|
| Total Revenue | $3.65B | $847M |
| Operating Income | $878M | – |
| Net Income | $382M | $302M |
| Cost of Goods Sold | $1.44B | $206M |
Dividend & Shareholder Information
| Metric | ENVA | NNI |
|---|---|---|
| Dividends Per Share | – | $1.29 |
| Payout Ratio | – | 15.4% |
| Shares Outstanding | 24M | 36M |
| Net Income Growth | 30.5% | -8.3% |
| EPS Growth | 33.0% | -7.4% |
ENVA vs NNI: stock comparison and AI forecast
Which is bigger, ENVA or NNI?
ENVA and NNI have similar market capitalizations ($4.25B and $4.42B).
Which is cheaper on earnings, ENVA or NNI?
ENVA trades at 12.0 times trailing earnings, NNI at 14.7 times.
Which one does Intratio's AI model rank higher, ENVA or NNI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.