ENVA vs HAPN: stock comparison and AI forecast
Enova International, Inc. (ENVA) and Happen, Inc. (HAPN) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
ENVA Enova International, Inc.
- Market Cap
- $4.22B
- P/E Ratio
- 11.9x
- Size
- mid-cap
- AI Forecast
HAPN Happen, Inc.
- Market Cap
- $1.84B
- P/E Ratio
- 12.4x
- Size
- small-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
- ENVA is 2.3 times larger than HAPN by market capitalization ($4.22B against $1.84B).
- ENVA trades at 11.9 times trailing earnings, HAPN at 12.4 times.
- HAPN turns 19.9% of its revenue into net income, against 10.5% for ENVA.
- HAPN carries 7.34 times debt per unit of equity, against 3.91 times for ENVA.
- Both companies share the SEC industry classification Personal Credit Institutions.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | ENVA | HAPN |
|---|---|---|
| Market Cap | $4.22B | $1.84B |
| P/E Ratio | 11.93x | 12.37x |
| P/B Ratio | 2.69x | 1.15x |
| EPS | $14.46 | $1.29 |
| Book Value/Share | $64.13 | $13.83 |
| Revenue/Share | $149.33 | $9.19 |
| FCF/Share | $82.02 | $-24.95 |
Profitability & Margins
| Metric | ENVA | HAPN |
|---|---|---|
| ROE | 24.4% | 13.2% |
| ROA | 5.0% | 1.6% |
| Gross Margin | 60.6% | – |
| Operating Margin | 24.0% | – |
| Net Margin | 10.5% | 19.9% |
| EBT Margin | 13.5% | 25.5% |
| Tax Rate | 22.7% | 21.9% |
Financial Health
| Metric | ENVA | HAPN |
|---|---|---|
| D/E Ratio | 3.91x | 7.34x |
| Financial Leverage | 4.91x | 8.34x |
| Interest Coverage | 2.4x | – |
Cash Flow
| Metric | ENVA | HAPN |
|---|---|---|
| Operating Cash Flow | $2.05B | -$2.79B |
| Free Cash Flow | $2.01B | -$2.87B |
| Capital Spending | -$47M | -$88M |
| OCF Growth YoY | 17.3% | – |
| FCF Growth YoY | 17.7% | – |
| FCF/Sales | 54.9% | -271.4% |
| CapEx/Sales | 1.3% | 8.3% |
Operational Efficiency
| Metric | ENVA | HAPN |
|---|---|---|
| Asset Turnover | 0.47x | 0.08x |
| Fixed Assets Turnover | 25.8x | 3.8x |
Income Statement
| Metric | ENVA | HAPN |
|---|---|---|
| Total Revenue | $3.65B | $1.06B |
| Operating Income | $878M | – |
| Net Income | $382M | $211M |
| Cost of Goods Sold | $1.44B | – |
Dividend & Shareholder Information
| Metric | ENVA | HAPN |
|---|---|---|
| Shares Outstanding | 24M | 115M |
| Net Income Growth | 30.5% | 102.8% |
| EPS Growth | 33.0% | 87.0% |
ENVA vs HAPN: stock comparison and AI forecast
Which is bigger, ENVA or HAPN?
ENVA is 2.3 times larger than HAPN by market capitalization ($4.22B against $1.84B).
Which is cheaper on earnings, ENVA or HAPN?
ENVA trades at 11.9 times trailing earnings, HAPN at 12.4 times.
Which one does Intratio's AI model rank higher, ENVA or HAPN?
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.