KODK vs QUAD vs XRX vs ENVA

For growth investors, Enova International, Inc.

(ENVA) is the stronger pick with 18. 6% revenue growth year-over-year, versus -9. 4% for Quad/Graphics, Inc. (QUAD). Quad/Graphics, Inc. (QUAD) offers the better valuation at 14. 2x trailing P/E (6. 3x forward), making it the more compelling value choice. Analysts rate Quad/Graphics, Inc. (QUAD) a "Buy" — based on 7 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.

On trailing P/E, Quad/Graphics, Inc.

(QUAD) is the cheapest at 14. 2x versus Enova International, Inc. at 14. 9x. On forward P/E, Xerox Holdings Corporation is actually cheaper at 5. 1x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Enova International, Inc.

(ENVA) delivered a total return of +368. 1%, compared to -74. 1% for Xerox Holdings Corporation (XRX). Over 10 years, the gap is even starker: ENVA returned +20. 3% versus XRX's -42. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Quad/Graphics, Inc.

(QUAD) is the lower-risk stock at 1. 03β versus Xerox Holdings Corporation's 2. 68β — meaning XRX is approximately 161% more volatile than QUAD relative to the S&P 500. On balance sheet safety, Eastman Kodak Company (KODK) carries a lower debt/equity ratio of 35% versus 6% for Xerox Holdings Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Enova International, Inc.

(ENVA) is pulling ahead at 18. 6% versus -9. 4% for Quad/Graphics, Inc. (QUAD). On earnings-per-share growth, the picture is similar: Quad/Graphics, Inc. grew EPS 150. 5% year-over-year, compared to -297. 8% for Eastman Kodak Company. Over a 3-year CAGR, XRX leads at -0. 4% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Enova International, Inc.

(ENVA) is the more profitable company, earning 9. 8% net margin versus -14. 7% for Xerox Holdings Corporation — meaning it keeps 9. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ENVA leads at 23. 5% versus -0. 8% for XRX. At the gross margin level — before operating expenses — ENVA leads at 50. 1%, 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.

On forward earnings alone, Xerox Holdings Corporation (XRX) trades at 5.

1x forward P/E versus 10. 5x for Enova International, Inc. — 5. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for XRX: 332. 5% to $10. 25.

In this comparison, XRX (23.

7% yield), QUAD (3. 8% yield), KODK (0. 2% yield) pay a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Quad/Graphics, Inc.

(QUAD) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 03), 3. 8% yield). Eastman Kodak Company (KODK) carries a higher beta of 1. 68 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (QUAD: -23. 3%, KODK: +20. 7%), 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.

These companies operate in different sectors (KODK (Industrials) and QUAD (Industrials) and XRX (Technology) and ENVA (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: KODK is a small-cap quality compounder stock; QUAD is a small-cap deep-value stock; XRX is a small-cap income-oriented stock; ENVA is a small-cap high-growth stock. QUAD, XRX pay a dividend while KODK, ENVA do 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.