EFX vs ENVA
EFX: Equifax is a global data, analytics, and technology company that provides credit reporting, identity verification, and risk management solutions to financial institutions, employers, and consumers. ENVA: Enova provides technology-enabled, data-driven online financial services specifically tailored for non-prime consumers and small businesses.
Side-by-side fundamentals
| Metric | EFX | ENVA | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $177.31 | $253.35 | |
| Market cap as of 2026-07-31 | $20.8B | $6.1B | |
| P/E as of 2026-07-31 | 30.07 | 18.80 | ENVA lower |
| PEG as of 2026-07-31 | 1.71 | 0.42 | ENVA lower |
| Net margin as of 2026-07-31 | +10.7% | +17.3% | ENVA higher |
| Gross margin as of 2026-07-31 | +55.5% | +100.0% | ENVA higher |
| Operating margin as of 2026-07-31 | +17.9% | +40.2% | ENVA higher |
| ROE as of 2026-07-31 | +15.0% | +25.8% | ENVA higher |
| ROA as of 2026-07-31 | +5.8% | +5.4% | EFX higher |
| Debt / equity as of 2026-07-31 | 1.25 | 3.35 | EFX lower |
| Revenue growth (YoY) as of 2026-07-31 | +10.3% | +22.5% | ENVA higher |
| Revenue CAGR (3y) SEC XBRL | +5.8% | +22.0% | ENVA higher |
| Dividend yield as of 2026-07-31 | +1.2% | n/a | |
| Dividend streak (yrs) SEC XBRL | 5 | 2 | EFX higher |
| Beta as of 2026-07-31 | 1.24 | 1.37 | |
| 1-year return as of 2026-07-27 close | -28.0% | +142.2% | ENVA higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.