DAVE vs ENVA

Comparison between Dave Inc - Class A (DAVE, Company) and Enova International Inc (ENVA, Company).

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

5-Year PerformanceENVA has outperformed DAVE, delivering a return of +48.7% compared to +6.9%

DAVE vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	DAVE(COMPANY)	ENVA(COMPANY)
Market Cap	$5.89B	$5.87B
Max Drawdown	99.01%	81.56%
Sharpe Ratio	1.40	1.98
5Y Beta	2.33	1.36
Industry	Software - Application	Credit Services
P/E Ratio	31.24	17.96
Forward P/E	26.74	14.24
PEG Ratio	0.06	0.39
5Y EPS CAGR	N/A	-0.17%
Debt to Equity	0.00%	344.74%
Free Cash Flow Yield	5.55%	32.40%
P/S Ratio	9.49	3.63
P/B Ratio	27.34	4.12

Market Cap

Winner

DAVE

$5.89B

ENVA

$5.87B

Max Drawdown

DAVE

99.01%

Winner

ENVA

81.56%

Sharpe Ratio

DAVE

1.40

Winner

ENVA

1.98

5Y Beta

DAVE

2.33

Winner

ENVA

1.36

Industry

DAVE

Software - Application

ENVA

Credit Services

P/E Ratio

DAVE

31.24

Winner

ENVA

17.96

Forward P/E

DAVE

26.74

Winner

ENVA

14.24

PEG Ratio

Winner

DAVE

0.06

ENVA

0.39

5Y EPS CAGR

DAVE

N/A

ENVA

-0.17%

Debt to Equity

Winner

DAVE

0.00%

ENVA

344.74%

Free Cash Flow Yield

DAVE

5.55%

Winner

ENVA

32.40%

P/S Ratio

DAVE

9.49

Winner

ENVA

3.63

P/B Ratio

DAVE

27.34

Winner

ENVA

4.12

DAVE vs ENVA - Historical Returns

Returns include dividend reinvestment.

Period	DAVE	ENVA
1 month	+48.24%	+21.51%
3 months	+89.97%	+50.84%
6 months	+128.10%	+50.11%
1 year	+131.69%	+107.09%
5 years(CAGR)	+6.91%	+48.68%
10 years(CAGR)	N/A	+39.56%
Max(CAGR)	+6.82%	+20.41%

Winner

DAVE

+48.24%

ENVA

+21.51%

Winner

DAVE

+89.97%

ENVA

+50.84%

Winner

DAVE

+128.10%

ENVA

+50.11%

Winner

DAVE

+131.69%

ENVA

+107.09%

5Y(CAGR)

DAVE

+6.91%

Winner

ENVA

+48.68%

10Y(CAGR)

DAVE

N/A

ENVA

+39.56%

Max(CAGR)

DAVE

+6.82%

Winner

ENVA

+20.41%

DAVE vs ENVA - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	DAVE	ENVA
2026	+101.63%	+45.39%
2025	+156.53%	+63.51%
2024	+908.35%	+73.79%
2023	-9.43%	+43.31%
2022	-96.52%	-7.39%
2021	+4.59%	+77.62%
2020	N/A	+2.61%
2019	N/A	+20.24%
2018	N/A	+24.35%
2017	N/A	+14.72%
2016	N/A	+90.15%
2015	N/A	-71.03%
2014	N/A	-17.40%

DAVE vs ENVA Drawdown Comparison

The maximum drawdown for DAVE was -99.01%, occurring on May 19, 2023. This drawdown has not yet recovered.

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

The current DAVE drawdown is -3.29%. The current ENVA drawdown is -2.77%.

Rank	DAVE	ENVA
#1	-99.01% Feb 1, 2022 - May 19, 2023	-81.56% Nov 13, 2014 - Apr 27, 2018
#2	-51.80% Dec 31, 2021 - Jan 28, 2022	-77.57% Jul 19, 2018 - Mar 10, 2021
#3	-2.70% Apr 27, 2021 - Sep 10, 2021	-42.84% Feb 10, 2022 - Feb 2, 2023
#4	-2.70% Sep 10, 2021 - Dec 31, 2021	-37.01% Jul 18, 2023 - Jan 25, 2024
#5	N/A	-26.25% Feb 6, 2025 - Jul 10, 2025
#6	N/A	-24.78% Mar 12, 2021 - Nov 5, 2021
#7	N/A	-24.75% Feb 2, 2026 - Apr 27, 2026
#8	N/A	-21.84% Feb 3, 2023 - Jun 29, 2023
#9	N/A	-18.31% Sep 22, 2025 - Nov 5, 2025
#10	N/A	-14.51% Jul 23, 2025 - Aug 26, 2025
#11	N/A	-13.97% Nov 12, 2021 - Jan 12, 2022
#12	N/A	-13.87% Jul 31, 2024 - Oct 16, 2024
#13	N/A	-12.17% Jan 14, 2022 - Feb 7, 2022
#14	N/A	-11.60% Nov 25, 2024 - Jan 17, 2025
#15	N/A	-10.29% Apr 23, 2024 - Jul 11, 2024