ENVA vs NJR

Comparison between Enova International Inc (ENVA, Company) and New Jersey Resources Corporation (NJR, Company).

ENVA is from the Financial Services sector, while NJR is from the Utilities sector.

5-Year PerformanceENVA has outperformed NJR, delivering a return of +48.7% compared to +12.6%

ENVA vs NJR - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	NJR(COMPANY)
Market Cap	$5.87B	$5.84B
Max Drawdown	81.56%	51.87%
Sharpe Ratio	1.98	1.53
5Y Beta	1.36	0.05
Industry	Credit Services	Utilities - Regulated Gas
P/E Ratio	17.96	17.10
Forward P/E	14.24	16.92
PEG Ratio	0.39	2.29
Dividend Yield	N/A	3.24%
5Y Dividends CAGR	N/A	12.40%
5Y EPS CAGR	-0.17%	8.58%
Debt to Equity	344.74%	5.66%
Free Cash Flow Yield	32.40%	10.98%
P/S Ratio	3.63	2.72
P/B Ratio	4.12	2.26

Market Cap

Winner

ENVA

$5.87B

NJR

$5.84B

Max Drawdown

ENVA

81.56%

Winner

NJR

51.87%

Sharpe Ratio

Winner

ENVA

1.98

NJR

1.53

5Y Beta

ENVA

1.36

Winner

NJR

0.05

Industry

ENVA

Credit Services

NJR

Utilities - Regulated Gas

P/E Ratio

ENVA

17.96

Winner

NJR

17.10

Forward P/E

Winner

ENVA

14.24

NJR

16.92

PEG Ratio

Winner

ENVA

0.39

NJR

2.29

Dividend Yield

ENVA

N/A

NJR

3.24%

5Y Dividends CAGR

ENVA

N/A

NJR

12.40%

5Y EPS CAGR

ENVA

-0.17%

Winner

NJR

8.58%

Debt to Equity

ENVA

344.74%

Winner

NJR

5.66%

Free Cash Flow Yield

Winner

ENVA

32.40%

NJR

10.98%

P/S Ratio

ENVA

3.63

Winner

NJR

2.72

P/B Ratio

ENVA

4.12

Winner

NJR

2.26

ENVA vs NJR - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	NJR
1 month	+21.51%	+8.29%
3 months	+50.84%	+6.82%
6 months	+50.11%	+25.39%
1 year	+107.09%	+33.19%
5 years(CAGR)	+48.68%	+12.65%
10 years(CAGR)	+39.56%	+8.19%
Max(CAGR)	+20.41%	+11.24%

Winner

ENVA

+21.51%

NJR

+8.29%

Winner

ENVA

+50.84%

NJR

+6.82%

Winner

ENVA

+50.11%

NJR

+25.39%

Winner

ENVA

+107.09%

NJR

+33.19%

5Y(CAGR)

Winner

ENVA

+48.68%

NJR

+12.65%

10Y(CAGR)

Winner

ENVA

+39.56%

NJR

+8.19%

Max(CAGR)

Winner

ENVA

+20.41%

NJR

+11.24%

ENVA vs NJR - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	NJR
2026	+45.39%	+31.20%
2025	+63.51%	+3.35%
2024	+73.79%	+7.08%
2023	+43.31%	-6.14%
2022	-7.39%	+25.57%
2021	+77.62%	+23.33%
2020	+2.61%	-16.17%
2019	+20.24%	+2.75%
2018	+24.35%	+17.57%
2017	+14.72%	+17.53%
2016	+90.15%	+11.44%
2015	-71.03%	+11.22%
2014	-17.40%	+42.32%
2013	N/A	+20.07%
2012	N/A	-16.57%
2011	N/A	+15.86%
2010	N/A	+17.96%
2009	N/A	-1.12%
2008	N/A	+24.93%
2007	N/A	+6.79%
2006	N/A	+16.82%
2005	N/A	+0.66%
2004	N/A	+15.45%
2003	N/A	+23.20%
2002	N/A	+6.16%
2001	N/A	+17.44%
2000	N/A	+20.95%
1999	N/A	-1.30%

ENVA vs NJR Drawdown Comparison

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

The maximum drawdown for NJR was -50.63%, occurring on Mar 18, 2020. Recovery took 698 trading sessions.

The current ENVA drawdown is -2.77%.

Rank	ENVA	NJR
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-50.63% Jun 21, 2019 - Mar 29, 2022
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-27.78% Apr 11, 2023 - Feb 2, 2026
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-25.39% Feb 2, 2009 - Sep 24, 2010
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-24.47% Sep 18, 2008 - Nov 21, 2008
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-21.15% Apr 16, 2002 - Aug 21, 2002
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-19.31% Dec 29, 2011 - Nov 4, 2013
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-19.15% Jul 6, 2016 - Feb 21, 2017
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-18.90% Nov 14, 2017 - May 30, 2018
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-17.53% May 14, 2007 - Aug 12, 2008
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-17.24% Aug 19, 2022 - Nov 18, 2022
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-17.16% Feb 5, 2015 - Dec 24, 2015
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-16.04% Dec 28, 2000 - May 18, 2001
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-14.71% Jun 27, 2014 - Oct 28, 2014
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-14.59% Jul 8, 2005 - Jul 19, 2006
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-13.31% Jul 21, 2011 - Aug 29, 2011