ACIW vs ENVA

Comparison between ACI Worldwide Inc (ACIW, Company) and Enova International Inc (ENVA, Company).

ACIW is from the Technology sector, while ENVA is from the Financial Services sector.

5-Year PerformanceENVA has outperformed ACIW, delivering a return of +51.2% compared to +11.1%

ACIW vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ACIW(COMPANY)	ENVA(COMPANY)
Market Cap	$5.55B	$5.55B
Max Drawdown	89.14%	81.56%
Sharpe Ratio	0.79	2.13
5Y Beta	0.96	1.40
Industry	Software - Infrastructure	Credit Services
P/E Ratio	27.27	16.97
Forward P/E	16.95	14.53
PEG Ratio	1.77	0.37
5Y EPS CAGR	19.78%	-0.17%
Debt to Equity	53.80%	344.74%
Free Cash Flow Yield	5.32%	34.30%
P/S Ratio	3.11	3.50
P/B Ratio	3.84	4.06

Market Cap

ACIW

$5.55B

Winner

ENVA

$5.55B

Max Drawdown

ACIW

89.14%

Winner

ENVA

81.56%

Sharpe Ratio

ACIW

0.79

Winner

ENVA

2.13

5Y Beta

Winner

ACIW

0.96

ENVA

1.40

Industry

ACIW

Software - Infrastructure

ENVA

Credit Services

P/E Ratio

ACIW

27.27

Winner

ENVA

16.97

Forward P/E

ACIW

16.95

Winner

ENVA

14.53

PEG Ratio

ACIW

1.77

Winner

ENVA

0.37

5Y EPS CAGR

Winner

ACIW

19.78%

ENVA

-0.17%

Debt to Equity

Winner

ACIW

53.80%

ENVA

344.74%

Free Cash Flow Yield

ACIW

5.32%

Winner

ENVA

34.30%

P/S Ratio

Winner

ACIW

3.11

ENVA

3.50

P/B Ratio

Winner

ACIW

3.84

ENVA

4.06

ACIW vs ENVA - Historical Returns

Returns include dividend reinvestment.

Period	ACIW	ENVA
1 month	+17.50%	+9.21%
3 months	+33.46%	+45.34%
6 months	+29.49%	+59.99%
1 year	+30.01%	+141.17%
5 years(CAGR)	+11.05%	+51.24%
10 years(CAGR)	+11.42%	+40.75%
Max(CAGR)	+6.56%	+21.06%

Winner

ACIW

+17.50%

ENVA

+9.21%

ACIW

+33.46%

Winner

ENVA

+45.34%

ACIW

+29.49%

Winner

ENVA

+59.99%

ACIW

+30.01%

Winner

ENVA

+141.17%

5Y(CAGR)

ACIW

+11.05%

Winner

ENVA

+51.24%

10Y(CAGR)

ACIW

+11.42%

Winner

ENVA

+40.75%

Max(CAGR)

ACIW

+6.56%

Winner

ENVA

+21.06%

ACIW vs ENVA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ACIW	ENVA
2026	+26.74%	+55.79%
2025	-9.09%	+63.51%
2024	+70.87%	+73.79%
2023	+32.87%	+43.31%
2022	-34.19%	-7.39%
2021	-8.39%	+77.62%
2020	+0.60%	+2.61%
2019	+39.61%	+20.24%
2018	+21.95%	+24.35%
2017	+22.14%	+14.72%
2016	-12.19%	+90.15%
2015	+8.57%	-71.03%
2014	-3.95%	-17.40%
2013	+46.23%	N/A
2012	+52.55%	N/A
2011	+4.34%	N/A
2010	+53.28%	N/A
2009	+6.72%	N/A
2008	-13.07%	N/A
2007	-42.16%	N/A
2006	+12.04%	N/A
2005	+47.41%	N/A
2004	-12.17%	N/A
2003	+215.89%	N/A
2002	-45.19%	N/A
2001	+6.61%	N/A
2000	-56.99%	N/A
1999	-11.81%	N/A

ACIW vs ENVA Drawdown Comparison

The maximum drawdown for ACIW was -89.14%, occurring on Oct 10, 2002. Recovery took 3106 trading sessions.

The maximum drawdown for ENVA was -81.56%, occurring on Jan 19, 2016. Recovery took 868 trading sessions.

The current ACIW drawdown is -2.23%.

Rank	ACIW	ENVA
#1	-89.14% Mar 1, 2000 - Jul 5, 2012	-81.56% Nov 13, 2014 - Apr 27, 2018
#2	-54.18% Feb 17, 2021 - Jul 29, 2024	-77.57% Jul 19, 2018 - Mar 10, 2021
#3	-45.75% Jan 13, 2020 - Dec 8, 2020	-42.84% Feb 10, 2022 - Feb 2, 2023
#4	-40.61% Nov 3, 1999 - Feb 24, 2000	-37.01% Jul 18, 2023 - Jan 25, 2024
#5	-36.58% Jun 22, 2015 - Mar 7, 2018	-26.25% Feb 6, 2025 - Jul 10, 2025
#6	-35.02% Nov 7, 2024 - Feb 23, 2026	-24.78% Mar 12, 2021 - Nov 5, 2021
#7	-19.76% Apr 30, 2019 - Nov 19, 2019	-24.75% Feb 2, 2026 - Apr 27, 2026
#8	-19.74% Dec 31, 2013 - Mar 20, 2015	-21.84% Feb 3, 2023 - Jun 29, 2023
#9	-18.28% Jul 13, 2012 - Jan 18, 2013	-18.31% Sep 22, 2025 - Nov 5, 2025
#10	-16.47% Nov 9, 2018 - Feb 6, 2019	-14.51% Jul 23, 2025 - Aug 26, 2025
#11	-15.66% Sep 14, 2018 - Nov 8, 2018	-13.97% Nov 12, 2021 - Jan 12, 2022
#12	-14.19% Mar 15, 2018 - Jun 18, 2018	-13.87% Jul 31, 2024 - Oct 16, 2024
#13	-12.20% Mar 28, 2013 - Aug 5, 2013	-12.17% Jan 14, 2022 - Feb 7, 2022
#14	-9.65% Jun 19, 2018 - Aug 3, 2018	-11.60% Nov 25, 2024 - Jan 17, 2025
#15	-7.70% Oct 16, 2024 - Nov 6, 2024	-10.29% Apr 23, 2024 - Jul 11, 2024