Enova International [ENVA] vs FirstCash Holdings [FCFS] Detailed Stock Comparison

Enova International Inc.

NYSE
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FirstCash Holdings Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Enova International Inc. wins in 10 metrics, FirstCash Holdings Inc. wins in 10 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Enova International Inc. FirstCash Holdings Inc. Better
P/E Ratio (TTM) 14.72 27.71 Enova International Inc.
Price-to-Book Ratio 3.13 3.97 Enova International Inc.
Debt-to-Equity Ratio 338.92 112.82 FirstCash Holdings Inc.
PEG Ratio 0.48 1.03 Enova International Inc.
EV/EBITDA 19.05 16.77 FirstCash Holdings Inc.
Profit Margin (TTM) 20.68% 9.02% Enova International Inc.
Operating Margin (TTM) 23.65% 17.30% Enova International Inc.
EBITDA Margin (TTM) 23.65% 17.30% Enova International Inc.
Return on Equity 24.34% 15.26% Enova International Inc.
Return on Assets (TTM) 5.26% 7.33% FirstCash Holdings Inc.
Free Cash Flow (TTM) $1.77B $531.04M Enova International Inc.
Dividend Yield N/A 1.10% N/A
1-Year Return 74.29% 71.93% Enova International Inc.
Price-to-Sales Ratio (TTM) 2.83 2.48 FirstCash Holdings Inc.
Enterprise Value $8.68B $11.49B FirstCash Holdings Inc.
EV/Revenue Ratio 5.82 3.14 FirstCash Holdings Inc.
Gross Profit Margin (TTM) 49.19% 50.06% FirstCash Holdings Inc.
Revenue per Share (TTM) $59 $83 FirstCash Holdings Inc.
Earnings per Share (Diluted) $11.51 $7.42 Enova International Inc.
Beta (Stock Volatility) 1.21 0.47 FirstCash Holdings Inc.
Short % of Float 9.55% 2.87% FirstCash Holdings Inc.

Enova International Inc. vs FirstCash Holdings Inc. Stock Performance Analysis

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ENVA
FCFS

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Enova International Inc.-2.86%-1.46%-3.06%12.35%17.36%-1.89%
FirstCash Holdings Inc.5.24%-4.80%-0.58%12.80%35.70%40.46%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Enova International Inc.74.29%230.90%341.89%2,088.48%542.95%542.95%
FirstCash Holdings Inc.71.93%119.58%168.18%390.65%472.24%907.84%

Performance & Financial Health Analysis: Enova International Inc. vs FirstCash Holdings Inc.

MetricENVAFCFS
Market Information
Market Cap i$4.23B$9.37B
Market Cap CategoryMid capMid cap
10 Day Avg. Volume i217,014287,919
90 Day Avg. Volume i215,321348,726
Last Close$158.90$220.22
52 Week Range$92.01 - $176.68$119.21 - $235.97
% from 52W High-10.06%-6.67%
All-Time High$176.68 (Feb 03, 2026)$235.03 (May 27, 2026)
% from All-Time High-10.06%-6.30%
Growth Metrics
Quarterly Revenue Growth0.23%0.20%
Quarterly Earnings Growth0.24%0.25%
Financial Health
Profit Margin (TTM) i0.21%0.09%
Operating Margin (TTM) i0.24%0.17%
Return on Equity (TTM) i0.24%0.15%
Debt to Equity (MRQ) i338.92112.82
Cash & Liquidity
Book Value per Share (MRQ)$54.08$51.77
Cash per Share (MRQ)$3.42$2.85
Operating Cash Flow (TTM) i$1.82B$585.94M
Levered Free Cash Flow (TTM) i$308.39M$232.38M
Dividends
Last 12-Month Dividend Yield iN/A1.10%
Last 12-Month Dividend iN/A$2.02

Valuation & Enterprise Metrics Analysis: Enova International Inc. vs FirstCash Holdings Inc.

MetricENVA (Apr 24, 2026)FCFS (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i14.7227.71
Forward P/E i9.0216.70
PEG Ratio i0.481.03
Price to Sales (TTM) i2.832.48
Price to Book (MRQ) i3.133.97
Market Capitalization
Market Capitalization i$4.23B$9.37B
Enterprise Value i$8.68B$11.49B
Enterprise Value Metrics
Enterprise to Revenue i5.823.14
Enterprise to EBITDA i19.0516.77
Risk & Other Metrics
Beta i1.210.47
Book Value per Share (MRQ) i$54.08$51.77

Financial Statements Comparison: Enova International Inc. vs FirstCash Holdings Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricENVA (2025)FCFS (2025)
Revenue/Sales i3.15B3.66B
Cost of Goods Sold i1.66B1.82B
COGS % of Revenue i52.7%49.7%
Gross Profit i1.49B1.84B
Gross Margin i47.3%50.3%
Research & Development iN/AN/A
Operating Income (EBIT) i406.73M562.23M
Operating Margin i12.9%15.4%
EBITDA i455.81M1.01B
EBITDA Margin i14.5%27.6%
Pre-Tax Income i401.03M447.56M
Pre-Tax Income % of Revenue i12.7%12.2%
Income Tax i92.65M117.19M
Income Tax % of Revenue i2.9%3.2%
Net Income (Profit) i308.39M330.38M
Profit Margin i9.8%9.0%

Balance Sheet & Liquidity Metrics

MetricENVA (2025)FCFS (2025)
Cash & Equivalents i71.71M125.20M
Total Current Assets i6.00B1.86B
Total Current Assets % of Revenue i190.4%50.7%
Total Current Liabilities i395.85M407.81M
Total Current Liabilities % of Revenue i12.6%11.1%
Long-Term Debt i4.44B2.46B
Long-Term Debt % of Revenue i140.9%67.1%
Total Shareholders Equity i1.34B2.28B
Retained Earnings i2.01B1.67B
Retained Earnings % of Revenue i63.7%45.6%
Property, Plant & Equipment i16.55M365.62M

Cash Flow Statement Comparison

MetricENVA (2025)FCFS (2025)
Operating Cash Flow i469.75M381.14M
Operating Cash Flow % of Revenue i14.9%10.4%
Capital Expenditures iN/A-54.91M
Free Cash Flow i1.77B531.04M
FCF Margin i56.2%14.5%
Debt Repayment i-2.52B-427.38M
Common Stock Repurchase i-214.59M-115.85M

Short Interest & Institutional Ownership Analysis

MetricENVAFCFS
Shares Short i1.91M903,847
Short Ratio i8.152.67
Short % of Float i9.55%2.87%
Shares Outstanding i24.72M43.98M
Float Shares i23.82M38.76M
% Held by Insiders i4.68%11.82%
% Held by Institutions i95.55%91.86%
% Held by Public i-0.23%-3.68%

Dividend Analysis & Yield Comparison: Enova International Inc. vs FirstCash Holdings Inc.

MetricENVAFCFS
Last 12-Month Dividend iN/A$2.02
Last 12-Month Dividend Yield iN/A1.10%
3-Year Avg Annual Dividend iN/A$1.61
3-Year Avg Dividend Yield iN/A0.31%
3-Year Total Dividends iN/A$4.84
Ex-Dividend DateN/AFeb 18, 2026