ENVA vs MCY

Comparison between Enova International Inc (ENVA, Company) and Mercury General Corp (MCY, Company).

Both ENVA and MCY are from the Financial Services sector.

5-Year PerformanceENVA has outperformed MCY, delivering a return of +47.6% compared to +14.9%

ENVA vs MCY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	MCY(COMPANY)
Market Cap	$6.04B	$6.01B
Max Drawdown	81.56%	63.36%
Sharpe Ratio	1.94	2.05
5Y Beta	1.34	0.62
Industry	Credit Services	Insurance - Property & Casualty
P/E Ratio	18.47	7.16
Forward P/E	14.45	19.76
PEG Ratio	0.41	0.04
Dividend Yield	N/A	1.15%
5Y Dividends CAGR	N/A	-3.48%
5Y EPS CAGR	-0.17%	6.22%
Debt to Equity	344.74%	0.00%
Free Cash Flow Yield	31.51%	24.64%
P/S Ratio	3.81	1.00
P/B Ratio	4.30	2.32

Market Cap

Winner

ENVA

$6.04B

MCY

$6.01B

Max Drawdown

ENVA

81.56%

Winner

MCY

63.36%

Sharpe Ratio

ENVA

1.94

Winner

MCY

2.05

5Y Beta

ENVA

1.34

Winner

MCY

0.62

Industry

ENVA

Credit Services

MCY

Insurance - Property & Casualty

P/E Ratio

ENVA

18.47

Winner

MCY

7.16

Forward P/E

Winner

ENVA

14.45

MCY

19.76

PEG Ratio

ENVA

0.41

Winner

MCY

0.04

Dividend Yield

ENVA

N/A

MCY

1.15%

5Y Dividends CAGR

ENVA

N/A

MCY

-3.48%

5Y EPS CAGR

ENVA

-0.17%

Winner

MCY

6.22%

Debt to Equity

ENVA

344.74%

Winner

MCY

0.00%

Free Cash Flow Yield

Winner

ENVA

31.51%

MCY

24.64%

P/S Ratio

ENVA

3.81

Winner

MCY

1.00

P/B Ratio

ENVA

4.30

Winner

MCY

2.32

ENVA vs MCY - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	MCY
1 month	+39.13%	+9.86%
3 months	+69.26%	+25.13%
6 months	+45.22%	+26.79%
1 year	+102.24%	+70.56%
5 years(CAGR)	+47.58%	+14.93%
10 years(CAGR)	+42.90%	+12.00%
Max(CAGR)	+20.43%	+10.00%

Winner

ENVA

+39.13%

MCY

+9.86%

Winner

ENVA

+69.26%

MCY

+25.13%

Winner

ENVA

+45.22%

MCY

+26.79%

Winner

ENVA

+102.24%

MCY

+70.56%

5Y(CAGR)

Winner

ENVA

+47.58%

MCY

+14.93%

10Y(CAGR)

Winner

ENVA

+42.90%

MCY

+12.00%

Max(CAGR)

Winner

ENVA

+20.43%

MCY

+10.00%

ENVA vs MCY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	MCY
2026	+45.02%	+21.91%
2025	+63.51%	+45.67%
2024	+73.79%	+82.25%
2023	+43.31%	+13.08%
2022	-7.39%	-32.89%
2021	+77.62%	+8.39%
2020	+2.61%	+13.52%
2019	+20.24%	+0.72%
2018	+24.35%	+4.34%
2017	+14.72%	-6.08%
2016	+90.15%	+37.25%
2015	-71.03%	-12.93%
2014	-17.40%	+21.41%
2013	N/A	+29.88%
2012	N/A	-7.85%
2011	N/A	+11.87%
2010	N/A	+14.12%
2009	N/A	-7.55%
2008	N/A	-2.44%
2007	N/A	-3.52%
2006	N/A	-6.76%
2005	N/A	+1.99%
2004	N/A	+32.38%
2003	N/A	+27.31%
2002	N/A	-9.17%
2001	N/A	+5.09%
2000	N/A	+106.55%
1999	N/A	-17.37%

ENVA vs MCY Drawdown Comparison

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

The maximum drawdown for MCY was -62.87%, occurring on Mar 9, 2009. Recovery took 1254 trading sessions.

The current ENVA drawdown is -3.01%.

Rank	ENVA	MCY
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-62.87% Sep 19, 2008 - Sep 13, 2013
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-55.29% May 6, 2021 - Jul 31, 2024
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-45.04% Jul 5, 2019 - Feb 23, 2021
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-39.98% Nov 29, 2024 - Aug 26, 2025
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-31.06% Feb 2, 2017 - Oct 30, 2018
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-30.82% May 3, 2002 - Nov 7, 2003
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-26.02% Dec 28, 2000 - Oct 29, 2001
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-24.99% Feb 6, 2015 - Sep 22, 2016
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-24.46% Nov 8, 1999 - Mar 29, 2000
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-23.26% May 7, 2007 - Sep 18, 2008
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-21.02% Apr 7, 2000 - Oct 27, 2000
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-19.61% Nov 8, 2018 - Jun 5, 2019
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-16.88% Oct 31, 2005 - May 7, 2007
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-14.25% Oct 22, 2013 - Jul 28, 2014
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-13.26% Dec 28, 2004 - Sep 1, 2005