` Comparison: ENVA, DFS - Alpha Spread

ENVA
vs
DFS

Over the past 12 months, ENVA has significantly outperformed DFS, delivering a return of +65% compared to the DFS's +14% growth.

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ENVA
DFS
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Stocks Compared:
ENVA DFS
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Valuation Comparison

ENVA Intrinsic Value
526.71 USD
Undervaluation 69%
Intrinsic Value
Price
DFS Intrinsic Value
214.51 USD
Undervaluation 7%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Enova International Inc
NYSE:ENVA
161.74 USD
Discover Financial Services
NYSE:DFS
200.05 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
ENVA, DFS

ENVA
DFS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Enova International Inc
Revenue
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Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
ENVA, DFS

ENVA
DFS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Enova International Inc
NYSE:ENVA
Discover Financial Services
NYSE:DFS
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

ENVA
0%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Enova International Inc
Discover Financial Services
Not applicable for financial companies

Operating Margin

ENVA
40.6%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Enova International Inc
Discover Financial Services
Not applicable for financial companies

Net Margin

ENVA
16.9%
DFS
24.9%

FCF Margin

ENVA
98%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Enova International Inc
Discover Financial Services
Not applicable for financial companies

ROE

ENVA
23.8%
DFS
32.8%

ROA

ENVA
5.4%
DFS
3.7%

ROIC

ENVA
10.6%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Enova International Inc
Discover Financial Services
Not applicable for financial companies

ROCE

ENVA
13.6%
DFS
LTM 3Y Avg 5Y Avg 10Y Avg
Enova International Inc
Discover Financial Services
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
ENVA, DFS

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ENVA
DFS
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
ENVA, DFS

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ENVA
DFS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
ENVA, DFS

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ENVA
DFS
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