Enova vs FB Financial

This page compares Enova and FB Financial, examining their business models, financial performance, and the market context in which they operate. The content is neutral and accessible, highlighting key similarities and differences to aid understanding. Educational content, not financial advice.

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.

FB Financial (FBK)

FB Financial Corp (ticker: FBK) is a regional bank holding company that provides commercial and consumer banking, mortgage lending, treasury and wealth management services through a mix of branches and digital channels. With a market capitalisation near $2.9bn, it’s sized as a mid‑cap regional lender where interest-rate moves, loan growth and credit quality materially influence performance. Investors often watch its net interest margin, deposit trends, and provision for credit losses to gauge profitability and resilience. Regulatory oversight and local economic conditions — especially in its core markets — can drive variability in results. Balance-sheet strength and capital ratios are important when assessing downside risk, while management’s strategy on loans, deposits and capital returns affects upside. This is educational information, not personal advice: values can rise and fall and past performance is no guarantee of future returns. If you’re considering an investment, review the company’s filings and speak to a qualified financial adviser about suitability for your objectives and risk tolerance.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

FBK

$3.92B

Market Cap

$3.14B

-8.25%

Potential Profit

10.79%

Buy

Analyst Rating

Buy

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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Investment Analysis

Enova

ENVA

Pros

Enova International reached an all-time high stock price of $130.45, reflecting strong investor confidence and significant stock price appreciation.
The company reported robust Q3 2025 earnings with adjusted EPS of $3.36, surpassing forecasts and demonstrating solid profitability.
Enova is valued attractively with a low P/E ratio around 11.14 and a PEG ratio of 0.15, suggesting undervaluation relative to its growth prospects.

Considerations

Despite strong earnings, Enova slightly missed revenue expectations in recent quarters, indicating potential pressure on top-line growth.
The company has a high debt-to-equity ratio exceeding 300%, which could pose financial risk under adverse market conditions.
Enova's revenues and earnings growth, while strong, are exposed to consumer credit cycles and regulatory changes in online lending markets.

FB Financial

FBK

Pros

FB Financial benefits from a diversified regional banking franchise with stable deposit growth and improving loan portfolios.
The company has demonstrated consistent profitability supported by net interest margin expansion and fee income growth.
FB Financial’s capital position remains strong, supporting ongoing lending activities and potential future dividend increases.

Considerations

Exposure to regional economic fluctuations creates some earnings volatility risk, especially in more cyclical sectors served by FB Financial.
Increasing competition and margin pressure in the regional banking sector could weigh on future earnings growth.
Rising interest rates may impact loan demand negatively and increase credit costs, challenging profitability in the medium term.

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About The Companies

Comparison Snapshot

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%