ENVA vs ACIW

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

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

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

ENVA vs ACIW - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

ENVA

$5.55B

ACIW

$5.55B

Max Drawdown

Winner

ENVA

81.56%

ACIW

89.14%

Sharpe Ratio

Winner

ENVA

2.13

ACIW

0.79

5Y Beta

ENVA

1.40

Winner

ACIW

0.96

Industry

ENVA

Credit Services

ACIW

Software - Infrastructure

P/E Ratio

Winner

ENVA

16.97

ACIW

27.27

Forward P/E

Winner

ENVA

14.53

ACIW

16.95

PEG Ratio

Winner

ENVA

0.37

ACIW

1.77

5Y EPS CAGR

ENVA

-0.17%

Winner

ACIW

19.78%

Debt to Equity

ENVA

344.74%

Winner

ACIW

53.80%

Free Cash Flow Yield

Winner

ENVA

34.30%

ACIW

5.32%

P/S Ratio

ENVA

3.50

Winner

ACIW

3.11

P/B Ratio

ENVA

4.06

Winner

ACIW

3.84

ENVA vs ACIW - Historical Returns

Returns include dividend reinvestment.

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

ENVA

+9.21%

Winner

ACIW

+17.50%

Winner

ENVA

+45.34%

ACIW

+33.46%

Winner

ENVA

+59.99%

ACIW

+29.49%

Winner

ENVA

+141.17%

ACIW

+30.01%

5Y(CAGR)

Winner

ENVA

+51.24%

ACIW

+11.05%

10Y(CAGR)

Winner

ENVA

+40.75%

ACIW

+11.42%

Max(CAGR)

Winner

ENVA

+21.06%

ACIW

+6.56%

ENVA vs ACIW - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

ENVA vs ACIW Drawdown Comparison

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

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

The current ACIW drawdown is -2.23%.

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