ENVA vs OPEN

Comparison between Enova International Inc (ENVA, Company) and Opendoor Technologies Inc (OPEN, Company).

ENVA is from the Financial Services sector, while OPEN is from the Real Estate sector.

5-Year PerformanceENVA has outperformed OPEN, delivering a return of +34.6% compared to -20.8%

ENVA vs OPEN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	OPEN(COMPANY)
Market Cap	$4.10B	$4.10B
Max Drawdown	81.56%	98.57%
Sharpe Ratio	1.45	1.83
5Y Beta	1.39	2.02
Industry	Credit Services	Real Estate Services
P/E Ratio	12.55	-2.90
Forward P/E	10.11	40.32
PEG Ratio	0.28	-0.01
5Y EPS CAGR	-0.17%	N/A
Debt to Equity	344.74%	20.23%
Free Cash Flow Yield	46.38%	26.09%
P/S Ratio	2.59	1.08
P/B Ratio	2.92	4.45

Market Cap

ENVA

$4.10B

Winner

OPEN

$4.10B

Max Drawdown

Winner

ENVA

81.56%

OPEN

98.57%

Sharpe Ratio

ENVA

1.45

Winner

OPEN

1.83

5Y Beta

Winner

ENVA

1.39

OPEN

2.02

Industry

ENVA

Credit Services

OPEN

Real Estate Services

P/E Ratio

ENVA

12.55

Winner

OPEN

-2.90

Forward P/E

Winner

ENVA

10.11

OPEN

40.32

PEG Ratio

ENVA

0.28

Winner

OPEN

-0.01

5Y EPS CAGR

ENVA

-0.17%

OPEN

N/A

Debt to Equity

ENVA

344.74%

Winner

OPEN

20.23%

Free Cash Flow Yield

Winner

ENVA

46.38%

OPEN

26.09%

P/S Ratio

ENVA

2.59

Winner

OPEN

1.08

P/B Ratio

Winner

ENVA

2.92

OPEN

4.45

ENVA vs OPEN - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	OPEN
1 month	-1.58%	-16.15%
3 months	+10.72%	-8.60%
6 months	+29.58%	-32.30%
1 year	+74.11%	+585.88%
5 years(CAGR)	+34.58%	-20.77%
10 years(CAGR)	+35.71%	N/A
Max(CAGR)	+16.78%	-13.04%

Winner

ENVA

-1.58%

OPEN

-16.15%

Winner

ENVA

+10.72%

OPEN

-8.60%

Winner

ENVA

+29.58%

OPEN

-32.30%

ENVA

+74.11%

Winner

OPEN

+585.88%

5Y(CAGR)

Winner

ENVA

+34.58%

OPEN

-20.77%

10Y(CAGR)

ENVA

+35.71%

OPEN

N/A

Max(CAGR)

Winner

ENVA

+16.78%

OPEN

-13.04%

ENVA vs OPEN - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	ENVA	OPEN
2026	-0.65%	-24.71%
2025	+63.51%	+278.89%
2024	+73.79%	-62.62%
2023	+43.31%	+307.28%
2022	-7.39%	-92.30%
2021	+77.62%	-39.15%
2020	+2.61%	+110.39%
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 OPEN Drawdown Comparison

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

The maximum drawdown for OPEN was -98.57%, occurring on Jun 25, 2025. This drawdown has not yet recovered.

The current ENVA drawdown is -8.00%. The current OPEN drawdown is -86.84%.

Rank	ENVA	OPEN
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-98.57% Feb 11, 2021 - Jun 25, 2025
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-41.28% Oct 14, 2020 - Dec 9, 2020
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-27.26% Dec 21, 2020 - Feb 10, 2021
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-16.86% Sep 15, 2020 - Sep 29, 2020
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-13.90% Sep 30, 2020 - Oct 9, 2020
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-12.92% Dec 14, 2020 - Dec 18, 2020
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-11.95% Jul 22, 2020 - Sep 10, 2020
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-5.18% Dec 9, 2020 - Dec 14, 2020
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-3.10% Jun 23, 2020 - Jun 29, 2020
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-2.98% Jun 30, 2020 - Jul 10, 2020
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-2.97% Jul 10, 2020 - Jul 16, 2020
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-0.58% Jul 16, 2020 - Jul 22, 2020
#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

Correlation

Correlation between ENVA and OPEN is -0.44 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.44

-101