Enova vs WSFS Financial

This page compares Enova International Inc and WSFS Financial Corp, examining their business models, financial performance, and market context. It presents neutral, accessible information to help readers understand how the two companies operate and where they sit within the industry landscape. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

WSFS

$4.31B

Market Cap

$3.08B

8.04%

Potential Profit

7.13%

Buy

Analyst Rating

Buy

Investment Analysis

Enova

ENVA

Pros

Enova has demonstrated robust revenue and earnings growth, with strong loan originations and high demand from small businesses driving performance.
The company maintains a high net profit margin and efficient cost structure, supported by proprietary analytics and technology platforms.
Enova trades at a relatively low P/E ratio compared to its growth rate, suggesting potential undervaluation and attractive investor sentiment.

Considerations

Enova's debt-to-equity ratio is elevated, indicating significant leverage which could pose risks in a rising interest rate environment.
The business is exposed to regulatory and macroeconomic risks associated with consumer lending and credit cycles.
Recent stock price appreciation has been sharp, increasing the risk of volatility or a pullback if growth expectations are not met.

WSFS Financial

WSFS

Pros

WSFS Financial has a diversified business model with stable regional banking operations and a growing wealth management segment.
The company maintains a solid balance sheet with moderate leverage and a history of consistent dividend payments.
WSFS has demonstrated resilience in regional banking markets, benefiting from local economic growth and customer loyalty.

Considerations

WSFS faces margin pressure from a competitive regional banking landscape and potential interest rate volatility.
The company's growth rate is slower compared to fintech peers, limiting upside potential in a high-growth market environment.
Exposure to regional economic downturns could impact loan quality and asset performance in its core markets.

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.

WSFS Financial (WSFS)

WSFS Financial Corporation is a holding company that provides a broad range of financial services primarily through its main subsidiary, Wilmington Savings Fund Society, FSB (WSFS Bank). The company's operations are organised into three key segments. The WSFS Bank division offers commercial and consumer banking products, including loans, leases, and deposit accounts. The Cash Connect segment is a prominent provider of ATM vault cash, smart safe, and other cash logistics services across the United States. Finally, its Wealth Management arm delivers planning, advisory, and investment management services to individuals and institutions. This diversified model allows WSFS to serve a wide spectrum of financial needs, from everyday banking to complex wealth strategies. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes. It's a company with deep roots, aiming to meet modern financial demands.

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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Comparison Snapshot