BLK
BlackRock, Inc.
BLK trails on the overall score without a compensating advantage in the available component scores.
ENVA
Enova International, Inc.
ENVA has the edge over BLK overall, supported by stronger modeled upside and stronger valuation.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
ENVA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ENVA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ENVA.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over ENVA in the historical PE scenario, which offers more potential upside but is not a forecast.
ENVA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.1x | $73.60 | -56% |
| Forward | 8.3x | $167 | — |
| Fair | 9.9x | $143 | -14% |
| Current | 12x | $167 | — |
| Expensive | 15x | $218 | +31% |
Historical ranges are pointers, not guarantees.
ENVA's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 8.3x next year's earnings.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
ENVA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for ENVA, with profitability improving.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
ENVA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.18 | +40% |
| Q3 2026 | $14.46 | +33% |
| Q2 2026 | $13.43 | +43% |
| Q1 2026 | $12.29 | +45% |
| Q4 2025 | $11.52 | +55% |
| Q3 2025 | $10.87 | +73% |
| Q2 2025 | $9.41 | +57% |
| Q1 2025 | $8.48 | +52% |
| Q4 2024 | $7.43 | +35% |
ENVA has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over ENVA on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over ENVA on profitability, with a higher operating margin.
ENVA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | +26% |
| Q2 2026 | $928.9M | +22% |
| Q1 2026 | $875.1M | +17% |
| Q4 2025 | $839.4M | +15% |
| Q3 2025 | $802.7M | +16% |
| Q2 2025 | $764M | +22% |
| Q1 2025 | $745.5M | +22% |
| Q4 2024 | $729.6M | +25% |
ENVA's revenue has grown year over year for 22 quarters in a row: $1B last quarter, up 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | 0 points |
| Q2 2026 | 26% | +1.4 points |
| Q1 2026 | 24% | +0.6 points |
| Q4 2025 | 22% | +1 points |
| Q3 2025 | 25% | +2.2 points |
| Q2 2025 | 24% | +1 points |
| Q1 2025 | 23% | +1.6 points |
| Q4 2024 | 21% | +4.6 points |
ENVA's operating margin was 25% last quarter, about level with the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
ENVA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $524M | +11% |
| Q2 2026 | $531.4M | +22% |
| Q1 2026 | $463.8M | +23% |
| Q4 2025 | $487.1M | +16% |
| Q3 2025 | $470.5M | +21% |
| Q2 2025 | $436.1M | +25% |
| Q1 2025 | $378.3M | +12% |
| Q4 2024 | $420.3M | +39% |
ENVA has the edge over BLK on cash flow, with more consistent year-over-year improvement.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has the edge over ENVA on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
ENVA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +160K shares |
| 1 year | -0.1% | -38K shares |
| 3 years | -17% | -5.5M shares |
| 5 years | -30% | -11.6M shares |
| Available history | -23% | -7.7M shares |
ENVA has 26M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $46.3M |
| Q2 2026 | $19.8M |
| Q1 2026 | $39.6M |
| Q4 2025 | $35.3M |
| Q3 2025 | $38.4M |
| Q2 2025 | $55.3M |
| Q1 2025 | $85.5M |
| Q4 2024 | $51.2M |
ENVA spent $141M buying back its own shares over the past year, down 39% from the year before.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has the edge over ENVA on leverage, with a lower net debt burden relative to earnings.
ENVA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.8x | High |
| Q2 2026 | 5.7x | High |
| Q1 2026 | 5.8x | High |
| Q4 2025 | 5.7x | High |
| Q3 2025 | 5.4x | High |
| Q2 2025 | 5.5x | High |
| Q1 2025 | 5.6x | High |
| Q4 2024 | 5.6x | High |
ENVA's net debt is about 5.8 years of its operating earnings (EBITDA), up from 5.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ENVA.
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
ENVA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.9 | Neutral |
| Stochastic | 7.6 | Oversold |
ENVA's weekly RSI is 40 (neutral) and its Stochastic is 8 (oversold).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
ENVA PE vs Financial Services Sector
| Metric | ENVA | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 61 | 63 | 2 pts below |
ENVA has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over ENVA on trend strength, trading above more of its moving averages.
ENVA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $172.6 | 3.2% below |
| 20 week MA | $210.0 | 20% below |
| 50 week MA | $179.9 | 7.1% below |
| 100 week MA | $143.1 | 17% above |
| 200 week MA | $101.7 | 64% above |
ENVA has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 64% above its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has the edge over ENVA on returns for 2026, with the stronger performance.
ENVA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.4 | $25.8 | +10% |
| 2021 | $25.8 | $40.4 | +57% |
| 2022 | $40.4 | $38.3 | -5.1% |
| 2023 | $38.3 | $55.4 | +44% |
| 2024 | $55.4 | $97.9 | +77% |
| 2025 | $97.9 | $164.8 | +68% |
| 2026 YTD | $164.8 | $167.0 | +1.3% |
ENVA has finished higher in five of the last six years, three of them by more than 50%. It's up 1.3% so far in 2026.