AFRM vs ENVA: stock comparison and AI forecast
Affirm Holdings, Inc. (AFRM) and Enova International, Inc. (ENVA) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
AFRM Affirm Holdings, Inc.
- Market Cap
- $22.98B
- P/E Ratio
- 11.8x
- Size
- large-cap
- AI Forecast
ENVA Enova International, Inc.
- Price
- $172.48 0.0% · 6M
- Market Cap
- $4.22B
- P/E Ratio
- 11.9x
- Size
- mid-cap
- AI 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
- AFRM is 5.4 times larger than ENVA by market capitalization ($22.98B against $4.22B).
- AFRM trades at 11.8 times trailing earnings, ENVA at 11.9 times.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | AFRM | ENVA |
|---|---|---|
| Market Cap | $22.98B | $4.22B |
| P/E Ratio | 11.80x | 11.93x |
| P/B Ratio | – | 2.69x |
| EPS | $5.77 | $14.46 |
| Book Value/Share | – | $64.13 |
| Revenue/Share | $13.60 | $149.33 |
| FCF/Share | $2.42 | $82.02 |
Profitability & Margins
| Metric | AFRM | ENVA |
|---|---|---|
| ROE | – | 24.4% |
| ROA | – | 5.0% |
| Gross Margin | – | 60.6% |
| Operating Margin | 66.2% | 24.0% |
| Net Margin | – | 10.5% |
| EBT Margin | 75.3% | 13.5% |
| Tax Rate | -227.5% | 22.7% |
Financial Health
| Metric | AFRM | ENVA |
|---|---|---|
| D/E Ratio | – | 3.91x |
| Financial Leverage | – | 4.91x |
| Interest Coverage | 1.4x | 2.4x |
Cash Flow
| Metric | AFRM | ENVA |
|---|---|---|
| Operating Cash Flow | $1.06B | $2.05B |
| Free Cash Flow | $817M | $2.01B |
| Capital Spending | -$246M | -$47M |
| OCF Growth YoY | 9.4% | 17.3% |
| FCF Growth YoY | 6.2% | 17.7% |
| FCF/Sales | 17.8% | 54.9% |
| CapEx/Sales | 5.4% | 1.3% |
Operational Efficiency
| Metric | AFRM | ENVA |
|---|---|---|
| Asset Turnover | – | 0.47x |
| Receivables Turnover | 12.9x | – |
| Fixed Assets Turnover | 6.6x | 25.8x |
| Days Sales Outstanding | 28 days | – |
Income Statement
| Metric | AFRM | ENVA |
|---|---|---|
| Total Revenue | $4.59B | $3.65B |
| Operating Income | $540M | $878M |
| Net Income | – | $382M |
| SG&A Expense | $1.47B | – |
| Cost of Goods Sold | – | $1.44B |
Dividend & Shareholder Information
| Metric | AFRM | ENVA |
|---|---|---|
| Shares Outstanding | 337M | 24M |
| Net Income Growth | – | 30.5% |
| EPS Growth | 736.2% | 33.0% |
AFRM vs ENVA: stock comparison and AI forecast
Which is bigger, AFRM or ENVA?
AFRM is 5.4 times larger than ENVA by market capitalization ($22.98B against $4.22B).
Which is cheaper on earnings, AFRM or ENVA?
AFRM trades at 11.8 times trailing earnings, ENVA at 11.9 times.
Which one does Intratio's AI model rank higher, AFRM or ENVA?
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.