ENVA vs MNSO

Comparison between Enova International Inc (ENVA, Company) and MINISO Group Holding Ltd (MNSO, Company).

ENVA is from the Financial Services sector, while MNSO is from the Consumer Cyclical sector.

5-Year PerformanceENVA has outperformed MNSO, delivering a return of +34.6% compared to -7.8%

ENVA vs MNSO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	MNSO(COMPANY)
Market Cap	$4.10B	$4.10B
Max Drawdown	81.56%	87.06%
Sharpe Ratio	1.45	-0.73
5Y Beta	1.39	1.06
Industry	Credit Services	Specialty Retail
P/E Ratio	12.55	25.97
Forward P/E	10.11	8.47
PEG Ratio	0.28	N/A
Dividend Yield	N/A	4.79%
5Y EPS CAGR	-0.17%	N/A
Debt to Equity	344.74%	107.40%
Free Cash Flow Yield	46.38%	4.69%
P/S Ratio	2.59	0.20
P/B Ratio	2.92	2.67

Market Cap

Winner

ENVA

$4.10B

MNSO

$4.10B

Max Drawdown

Winner

ENVA

81.56%

MNSO

87.06%

Sharpe Ratio

Winner

ENVA

1.45

MNSO

-0.73

5Y Beta

ENVA

1.39

Winner

MNSO

1.06

Industry

ENVA

Credit Services

MNSO

Specialty Retail

P/E Ratio

Winner

ENVA

12.55

MNSO

25.97

Forward P/E

ENVA

10.11

Winner

MNSO

8.47

PEG Ratio

ENVA

0.28

MNSO

N/A

Dividend Yield

ENVA

N/A

MNSO

4.79%

5Y EPS CAGR

ENVA

-0.17%

MNSO

N/A

Debt to Equity

ENVA

344.74%

Winner

MNSO

107.40%

Free Cash Flow Yield

Winner

ENVA

46.38%

MNSO

4.69%

P/S Ratio

ENVA

2.59

Winner

MNSO

0.20

P/B Ratio

ENVA

2.92

Winner

MNSO

2.67

ENVA vs MNSO - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	MNSO
1 month	-1.58%	-9.72%
3 months	+10.72%	-28.22%
6 months	+29.58%	-28.11%
1 year	+74.11%	-31.46%
5 years(CAGR)	+34.58%	-7.78%
10 years(CAGR)	+35.71%	N/A
Max(CAGR)	+16.78%	-4.81%

Winner

ENVA

-1.58%

MNSO

-9.72%

Winner

ENVA

+10.72%

MNSO

-28.22%

Winner

ENVA

+29.58%

MNSO

-28.11%

Winner

ENVA

+74.11%

MNSO

-31.46%

5Y(CAGR)

Winner

ENVA

+34.58%

MNSO

-7.78%

10Y(CAGR)

ENVA

+35.71%

MNSO

N/A

Max(CAGR)

Winner

ENVA

+16.78%

MNSO

-4.81%

ENVA vs MNSO - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	ENVA	MNSO
2026	-0.65%	-27.81%
2025	+63.51%	-23.03%
2024	+73.79%	+24.31%
2023	+43.31%	+92.65%
2022	-7.39%	+6.84%
2021	+77.62%	-58.84%
2020	+2.61%	+26.39%
2019	+20.24%	N/A
2018	+24.35%	N/A
2017	+14.72%	N/A
2016	+90.15%	N/A
2015	-71.03%	N/A
2014	-17.40%	N/A

ENVA vs MNSO Drawdown Comparison

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

The maximum drawdown for MNSO was -86.56%, occurring on Sep 27, 2022. This drawdown has not yet recovered.

The current ENVA drawdown is -8.00%. The current MNSO drawdown is -54.42%.

Rank	ENVA	MNSO
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-86.56% Feb 8, 2021 - Sep 27, 2022
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-22.26% Oct 16, 2020 - Dec 17, 2020
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-18.11% Dec 24, 2020 - Jan 12, 2021
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-13.77% Jan 25, 2021 - Feb 8, 2021
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-8.04% Jan 12, 2021 - Jan 20, 2021
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-5.63% Jan 20, 2021 - Jan 25, 2021
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-1.24% Dec 17, 2020 - Dec 21, 2020
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-0.39% Dec 21, 2020 - Dec 23, 2020
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	N/A
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	N/A
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	N/A
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	N/A
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	N/A
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	N/A
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	N/A