Enova vs National MI

This page compares Enova International Inc and NMI Holdings Inc to outline their business models, financial performance, and market context. It offers a neutral overview of strategy, operations, competitive positioning, and potential implications for stakeholders, presented in clear, accessible language that avoids speculation. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

NMIH

$4.31B

Market Cap

$2.90B

8.04%

Potential Profit

16.37%

Buy

Analyst Rating

Buy

Investment Analysis

Enova

ENVA

Pros

Enova International’s stock reached an all-time high recently, reflecting strong market momentum and investor confidence.
The company demonstrated robust profitability with a high return on equity around 21.5% and strong earnings growth, including a recent adjusted EPS of $3.36 surpassing forecasts.
Enova benefits from attractive valuation metrics, trading at a relatively low P/E ratio around 11 and a PEG ratio of 0.15, suggesting undervaluation relative to growth prospects.

Considerations

Despite strong earnings, Enova’s revenue slightly missed expectations in the latest quarter, indicating potential volatility in top-line performance.
The company has a high debt-to-equity ratio above 3, which may pose financial risk in adverse market conditions.
Enova operates in the consumer finance sector, which can be sensitive to economic cycles and regulatory changes, adding execution and macroeconomic risks.

National MI

NMIH

Pros

National MI Holdings operates in the mortgage insurance sector, which benefits from ongoing housing market demand and regulatory oversight supporting its business.
The company maintains a strong capital position with elevated reserve levels, ensuring ability to cover potential insurance claims effectively.
NMI has demonstrated consistent profitability and steady premium revenue growth, underpinned by its specialized market niche.

Considerations

National MI’s performance is vulnerable to housing market downturns, which could increase claims and reduce new insurance premium growth.
The company is exposed to interest rate fluctuations impacting mortgage activity and refinancing volumes, which affects its underwriting pipeline.
Regulatory changes in mortgage insurance requirements could impose additional capital or operational costs, constraining growth and margin expansion.

About The Companies

Enova (ENVA)

Enova International (ENVA) is a fintech-focused lender that provides short-term and instalment credit products to consumers and small businesses, primarily via online channels. The company leverages data analytics and automated underwriting to assess creditworthiness, aiming for faster decisions and tailored pricing. With a market cap around $2.8bn, Enova operates in competitive and regulated markets where loan performance can be cyclical and sensitive to macro conditions. Investors often watch its loan book growth, credit loss trends and regulatory developments, as these drive profitability and capital requirements. Key risks include credit losses during economic downturns, changes in consumer protection rules, and technological or model errors. This summary is for educational purposes only — it is not personalised investment advice. Values can rise and fall, and past performance is not a reliable indicator of future results. Consider your risk tolerance and consult a qualified adviser for personal suitability.

National MI (NMIH)

NMI Holdings, Inc (NMIH) is a US-based private mortgage insurer that protects lenders against borrower defaults on conventional mortgage loans. With a market capitalisation of roughly $2.84 billion, NMI earns premiums, manages claims and holds reserves to cover potential losses; its profitability is closely tied to mortgage originations, home-price trends and broader economic conditions. Investors should watch underwriting performance, reserve adequacy, reinsurance contracts and regulatory capital requirements, as these influence both earnings and balance-sheet strength. The stock offers exposure to the housing finance ecosystem but can be cyclical: rising interest rates, falling house prices or higher unemployment can increase claims and pressure results. This summary is for educational purposes only and not personalised investment advice. Consider your objectives and risk tolerance and seek professional advice before investing.

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

The Federal Reserve's key inflation metric remained elevated at 2.9%, signaling that the fight against rising prices is ongoing. This creates a potential investment opportunity in companies that can thrive in a high-inflation, high-interest-rate environment.

Published: September 28, 2025

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Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Published: September 28, 2025

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Enova vs National MI

Comparison Snapshot

Investment Analysis

Enova

Pros

Considerations

National MI

Pros

Considerations

About The Companies

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Buy ENVA or NMIH in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Enova vs FB Financial

Enova vs Bread Financial

Enova vs WSFS Financial

Frequently asked questions

What is the purpose of comparing Enova International Inc and NMI Holdings Inc side by side?

What does profitability tell us in this context, and which metrics matter most here?

Why are valuation metrics like P/E and PEG used when comparing these stocks?

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What role do earnings growth and revenue trends play in evaluating these companies?

How does exposure to economic cycles affect these two stocks?

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Comparison Snapshot

About The Companies