Enova International vs Firstcash Holdings
Firstcash Holdings is the larger business, with $3.66bn of revenue in fiscal 2025 against $3.15bn for Enova International (1.2 times as much). Enova International grew faster (18.6% against 8.0%). Enova International kept more of each dollar of sales as profit: a net margin of 9.8% against 9.0%.
| Latest fiscal year | Enova InternationalENVA, 2025 | Firstcash HoldingsFCFS, 2025 |
|---|---|---|
| Revenue | $3.15bn | $3.66bn |
| Revenue growth | 18.6% | 8.0% |
| Net income | $308m | $330m |
| Operating margin | — | — |
| Net margin | 9.8% | 9.0% |
| Return on equity | 24.3% | 15.3% |
| Free cash flow | $1.77bn | $531m |
| Cash | $71.7m | $125m |
| Total debt | $4.50bn | $2.21bn |
| Debt to equity | — | 97.0% |
| Dividend per share | — | $1.60 |
| Dividend yield | — | — |
| Share buybacks | $215m | $116m |
| Employees | 1,836 | 8,300 |
| Market value | $4.34bn | $8.44bn |
| Price vs our value range | — | — |
| Moat score | 69 (Moderate) | 59 (Moderate) |
| Insider trades, 12 months | 0 buys, 35 sales | 0 buys, 29 sales |