ENVA PEER ANALYSIS

Enova International Inc — metric-by-metric comparison with peers and the industry median

ENVAEnova International Inc

🇺🇸 USA · NYSE · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

ENVAIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	ENVA	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
P/E	19.12●	113.62	37.96	172.84	—	—	15.93
P/B	4.45	24.14	6.24	13.74	89.80	0.92●	2.03
EV/EBITDA	17.09	—	34.15	—	—	6.32●	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ENVA	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Current Ratio	0.23	—	788.09●	—	—	—	1.20
Debt/Equity	347.0%	0.0%●	383.4%	0.0%●	0.0%●	599.1%	116.1%
NetDebt/EBITDA	7.40	—	11.13	—	—	5.42●	2.39

Profitability
Metric	ENVA	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Net Margin	10.0%●	—	8.9%	—	—	-15.8%	10.0%
ROE	25.1%	32.2%●	15.9%	8.9%	10.6%	-27.7%	13.4%
ROA	5.3%●	—	2.9%	—	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ENVA	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.6%	—	—	—	—	—	19.9%
Div. Yield	—	—	—	—	—	9.4%	1.2%
Payout	—	—	—	—	—	-33.6%	16.3%

Valuation
Metric	ENVA	SEZL	OMF	CACC	SLM	NNI	Ind. Median
P/E	19.12	41.85	8.78	15.62	6.63●	11.66	15.93
P/B	4.45	31.54	2.07	4.68	2.04	1.28●	2.03
EV/EBITDA	17.09	32.18	16.48	16.16	5.36●	15.71	15.71
P/S	—	—	—	—	—	—	—

Financial Health
Metric	ENVA	SEZL	OMF	CACC	SLM	NNI	Ind. Median
Current Ratio	0.23	3.65	—	20.57●	13.93	—	1.20
Debt/Equity	347.0%	73.8%●	663.2%	423.3%	253.1%	206.3%	116.1%
NetDebt/EBITDA	7.40	0.13●	12.20	7.66	0.42	9.63	2.39

Profitability
Metric	ENVA	SEZL	OMF	CACC	SLM	NNI	Ind. Median
Net Margin	10.0%	30.8%●	12.6%	19.6%	24.3%	19.5%	10.0%
ROE	25.1%	92.0%●	23.9%	28.1%	30.9%	11.7%	13.4%
ROA	5.3%	39.4%●	3.0%	5.1%	2.6%	2.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	ENVA	SEZL	OMF	CACC	SLM	NNI	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	39.6%	39.0%	40.4%	56.4%	20.1%	115.9%●	19.9%
Div. Yield	—	—	6.9%●	—	2.0%	0.9%	1.2%
Payout	—	—	62.9%	—	93.2%	10.7%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.