Comprehensive Stock Comparison
Compare Enova International, Inc. (ENVA) vs FinVolution Group (FINV) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | ENVA | 18.6% revenue growth vs FINV's 3.7% |
| Value | FINV | Lower P/E (0.7x vs 9.0x) |
| Quality / Margins | FINV | 18.2% net margin vs ENVA's 9.8% |
| Stability / Safety | FINV | Beta 0.60 vs ENVA's 1.38, lower leverage |
| Dividends | FINV | 4.3% yield; 4-year raise streak; ENVA pays no meaningful dividend |
| Momentum (1Y) | ENVA | +34.6% vs FINV's -28.4% |
| Efficiency (ROA) | FINV | 10.6% ROA vs ENVA's 4.8%, ROIC 12.9% vs 10.4% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Enova International is an online financial services provider that offers installment loans, lines of credit, and other financing products to consumers and small businesses through digital platforms. It generates revenue primarily from interest and fees on its loans — with consumer lending accounting for roughly 80% of revenue and small business lending making up the remaining 20%. The company's competitive advantage lies in its proprietary technology and analytics platform that enables rapid, data-driven credit decisions for near-prime borrowers who are often underserved by traditional banks.
FinVolution Group operates a fintech platform connecting individual borrowers with financial institutions in China, primarily serving the underserved consumer finance market. It generates revenue primarily through loan facilitation service fees — charging financial institutions for connecting them with borrowers — and to a lesser extent through post-origination services and guarantee income. Its competitive advantage lies in its proprietary technology platform that automates the lending process and its extensive user base of over 145 million registered customers.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
FINV leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). ENVA leads in 2 (Financial Metrics, Total Returns). 1 tied.
Financial Metrics (TTM)
FINV is the larger business by revenue, generating $13.1B annually — 4.1x ENVA's $3.2B. FINV is the more profitable business, keeping 18.2% of every revenue dollar as net income compared to ENVA's 9.8%.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $13.1B |
| EBITDAEarnings before interest/tax | $781M | $3.3B |
| Net IncomeAfter-tax profit | $308M | $2.8B |
| Free Cash FlowCash after capex | $1.8B | $1.5B |
| Gross MarginGross profit ÷ Revenue | +50.1% | +79.3% |
| Operating MarginEBIT ÷ Revenue | +23.5% | +19.4% |
| Net MarginNet income ÷ Revenue | +9.8% | +18.2% |
| FCF MarginFCF ÷ Revenue | +56.2% | +21.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +30.4% | -2.1% |
Valuation Metrics
At 4.3x trailing earnings, FINV trades at a 65% valuation discount to ENVA's 12.0x P/E. On an enterprise value basis, FINV's 6.6x EV/EBITDA is more attractive than ENVA's 10.1x.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| Market CapShares × price | $3.4B | $3.2B |
| Enterprise ValueMkt cap + debt − cash | $7.9B | $2.5B |
| Trailing P/EPrice ÷ TTM EPS | 12.01x | 4.26x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.97x | 0.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 1.25x |
| EV / EBITDAEnterprise value multiple | 10.06x | 6.57x |
| Price / SalesMarket cap ÷ Revenue | 1.09x | 1.67x |
| Price / BookPrice ÷ Book value/share | 2.74x | 0.65x |
| Price / FCFMarket cap ÷ FCF | 1.94x | 7.62x |
Profitability & Efficiency
ENVA delivers a 23.1% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $17 for FINV. FINV carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.37x. On the Piotroski fundamental quality scale (0–9), ENVA scores 6/9 vs FINV's 5/9, reflecting solid financial health.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| ROE (TTM)Return on equity | +23.1% | +16.7% |
| ROA (TTM)Return on assets | +4.8% | +10.6% |
| ROICReturn on invested capital | +10.4% | +12.9% |
| ROCEReturn on capital employed | +13.5% | +13.8% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 3.37x | 0.00x |
| Net DebtTotal debt minus cash | $4.4B | -$4.6B |
| Cash & Equiv.Liquid assets | $72M | $4.7B |
| Total DebtShort + long-term debt | $4.5B | $34M |
| Interest CoverageEBIT ÷ Interest expense | 2.88x | — |
Total Returns (with DRIP)
A $10,000 investment in ENVA five years ago would be worth $44,143 today (with dividends reinvested), compared to $11,494 for FINV. Over the past 12 months, ENVA leads with a +34.6% total return vs FINV's -28.4%. The 3-year compound annual growth rate (CAGR) favors ENVA at 41.8% vs FINV's 7.8% — a key indicator of consistent wealth creation.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| YTD ReturnYear-to-date | -14.1% | +7.7% |
| 1-Year ReturnPast 12 months | +34.6% | -28.4% |
| 3-Year ReturnCumulative with dividends | +185.2% | +25.2% |
| 5-Year ReturnCumulative with dividends | +341.4% | +14.9% |
| 10-Year ReturnCumulative with dividends | +2305.7% | -45.9% |
| CAGR (3Y)Annualised 3-year return | +41.8% | +7.8% |
Risk & Volatility
FINV is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than ENVA's 1.38 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ENVA currently trades 78.7% from its 52-week high vs FINV's 50.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.38x | 0.60x |
| 52-Week HighHighest price in past year | $176.68 | $11.08 |
| 52-Week LowLowest price in past year | $79.41 | $4.70 |
| % of 52W HighCurrent price vs 52-week peak | +78.7% | +50.7% |
| RSI (14)Momentum oscillator 0–100 | 46.6 | 58.9 |
| Avg Volume (50D)Average daily shares traded | 275K | 905K |
Analyst Outlook
Wall Street rates ENVA as "Buy" and FINV as "Buy". Consensus price targets imply 38.8% upside for ENVA (target: $193) vs 5.7% for FINV (target: $6). FINV is the only dividend payer here at 4.34% yield — a key consideration for income-focused portfolios.
| Metric | ENVAEnova Internation… | FINVFinVolution Group |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $193.00 | $5.94 |
| # AnalystsCovering analysts | 10 | 4 |
| Dividend YieldAnnual dividend ÷ price | — | +4.3% |
| Dividend StreakConsecutive years of raises | 1 | 4 |
| Dividend / ShareAnnual DPS | — | $1.67 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.9% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Enova International… (ENVA) | 100 | 881.24 | +781.2% |
| FinVolution Group (FINV) | 100 | 260.1 | +160.1% |
Enova International… (ENVA) returned +341% over 5 years vs FinVolution Group (FINV)'s +15%. A $10,000 investment in ENVA 5 years ago would be worth $44,143 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Enova International… (ENVA) | $746M | $3.2B | +322.7% |
| FinVolution Group (FINV) | $1.2B | $13.1B | +974.7% |
Enova International, Inc.'s revenue grew from $746M (2016) to $3.2B (2025) — a 17.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Enova International… (ENVA) | 4.6% | 9.8% | +110.8% |
| FinVolution Group (FINV) | 41.2% | 18.2% | -55.8% |
Enova International, Inc.'s net margin went from 5% (2016) to 10% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Enova International… (ENVA) | 17.7 | 13.6 | -23.2% |
| FinVolution Group (FINV) | 0.5 | 0.8 | +60.0% |
Enova International, Inc. has traded in a 2x–18x P/E range over 9 years; current trailing P/E is ~12x. FinVolution Group has traded in a 0x–1x P/E range over 7 years; current trailing P/E is ~4x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Enova International… (ENVA) | 1.03 | 11.58 | +1024.3% |
| FinVolution Group (FINV) | -0.2 | 9.05 | +4625.0% |
Enova International, Inc.'s EPS grew from $1.03 (2016) to $11.58 (2025) — a 31% CAGR.
Chart 6Free Cash Flow — 5 Years
Enova International, Inc. generated $2B FCF in 2025 (+301% vs 2021). FinVolution Group generated $3B FCF in 2024 (+398% vs 2021).
ENVA vs FINV: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is ENVA or FINV a better buy right now?
FinVolution Group (FINV) offers the better valuation at 4.3x trailing P/E (0.7x forward), making it the more compelling value choice. Analysts rate Enova International, Inc. (ENVA) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — ENVA or FINV?
On trailing P/E, FinVolution Group (FINV) is the cheapest at 4.3x versus Enova International, Inc. at 12.0x. On forward P/E, FinVolution Group is actually cheaper at 0.7x.
03Which is the better long-term investment — ENVA or FINV?
Over the past 5 years, Enova International, Inc. (ENVA) delivered a total return of +341.4%, compared to +14.9% for FinVolution Group (FINV). A $10,000 investment in ENVA five years ago would be worth approximately $44K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ENVA returned +23.1% versus FINV's -45.9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — ENVA or FINV?
By beta (market sensitivity over 5 years), FinVolution Group (FINV) is the lower-risk stock at 0.60β versus Enova International, Inc.'s 1.38β — meaning ENVA is approximately 129% more volatile than FINV relative to the S&P 500. On balance sheet safety, FinVolution Group (FINV) carries a lower debt/equity ratio of 0% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — ENVA or FINV?
FinVolution Group (FINV) is the more profitable company, earning 18.2% net margin versus 9.8% for Enova International, Inc. — meaning it keeps 18.2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ENVA leads at 23.5% versus 19.4% for FINV. At the gross margin level — before operating expenses — FINV leads at 79.3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is ENVA or FINV more undervalued right now?
On forward earnings alone, FinVolution Group (FINV) trades at 0.7x forward P/E versus 9.0x for Enova International, Inc. — 8.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ENVA: 38.8% to $193.00.
07Which pays a better dividend — ENVA or FINV?
In this comparison, FINV (4.3% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
08Is ENVA or FINV better for a retirement portfolio?
For long-horizon retirement investors, FinVolution Group (FINV) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.60), 4.3% yield). Both have compounded well over 10 years (FINV: -45.9%, ENVA: +23.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between ENVA and FINV?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. FINV pays a dividend while ENVA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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