ENVA vs PSMT

Comparison between Enova International Inc (ENVA, Company) and Pricesmart Inc (PSMT, Company).

ENVA is from the Financial Services sector, while PSMT is from the Consumer Defensive sector.

5-Year PerformanceENVA has outperformed PSMT, delivering a return of +47.6% compared to +18.7%

ENVA vs PSMT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	PSMT(COMPANY)
Market Cap	$6.04B	$6.03B
Max Drawdown	81.56%	89.28%
Sharpe Ratio	1.94	2.19
5Y Beta	1.34	0.57
Industry	Credit Services	Discount Stores
P/E Ratio	18.47	38.58
Forward P/E	14.45	27.47
PEG Ratio	0.41	4.39
Dividend Yield	N/A	0.67%
5Y Dividends CAGR	N/A	22.87%
5Y EPS CAGR	-0.17%	11.87%
Debt to Equity	344.74%	12.24%
Free Cash Flow Yield	31.51%	1.40%
P/S Ratio	3.81	1.09
P/B Ratio	4.30	4.53

Market Cap

Winner

ENVA

$6.04B

PSMT

$6.03B

Max Drawdown

Winner

ENVA

81.56%

PSMT

89.28%

Sharpe Ratio

ENVA

1.94

Winner

PSMT

2.19

5Y Beta

ENVA

1.34

Winner

PSMT

0.57

Industry

ENVA

Credit Services

PSMT

Discount Stores

P/E Ratio

Winner

ENVA

18.47

PSMT

38.58

Forward P/E

Winner

ENVA

14.45

PSMT

27.47

PEG Ratio

Winner

ENVA

0.41

PSMT

4.39

Dividend Yield

ENVA

N/A

PSMT

0.67%

5Y Dividends CAGR

ENVA

N/A

PSMT

22.87%

5Y EPS CAGR

ENVA

-0.17%

Winner

PSMT

11.87%

Debt to Equity

ENVA

344.74%

Winner

PSMT

12.24%

Free Cash Flow Yield

Winner

ENVA

31.51%

PSMT

1.40%

P/S Ratio

ENVA

3.81

Winner

PSMT

1.09

P/B Ratio

Winner

ENVA

4.30

PSMT

4.53

ENVA vs PSMT - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	PSMT
1 month	+39.13%	+11.57%
3 months	+69.26%	+25.23%
6 months	+45.22%	+53.37%
1 year	+102.24%	+86.03%
5 years(CAGR)	+47.58%	+18.69%
10 years(CAGR)	+42.90%	+8.79%
Max(CAGR)	+20.43%	+7.44%

Winner

ENVA

+39.13%

PSMT

+11.57%

Winner

ENVA

+69.26%

PSMT

+25.23%

ENVA

+45.22%

Winner

PSMT

+53.37%

Winner

ENVA

+102.24%

PSMT

+86.03%

5Y(CAGR)

Winner

ENVA

+47.58%

PSMT

+18.69%

10Y(CAGR)

Winner

ENVA

+42.90%

PSMT

+8.79%

Max(CAGR)

Winner

ENVA

+20.43%

PSMT

+7.44%

ENVA vs PSMT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	PSMT
2026	+45.02%	+58.10%
2025	+63.51%	+33.74%
2024	+73.79%	+25.59%
2023	+43.31%	+24.65%
2022	-7.39%	-16.66%
2021	+77.62%	-20.07%
2020	+2.61%	+32.51%
2019	+20.24%	+21.98%
2018	+24.35%	-32.30%
2017	+14.72%	+3.59%
2016	+90.15%	+4.72%
2015	-71.03%	-6.85%
2014	-17.40%	-17.65%
2013	N/A	+50.80%
2012	N/A	+10.84%
2011	N/A	+84.49%
2010	N/A	+87.57%
2009	N/A	+0.90%
2008	N/A	-26.46%
2007	N/A	+77.01%
2006	N/A	+120.40%
2005	N/A	+11.32%
2004	N/A	+19.81%
2003	N/A	-72.02%
2002	N/A	-33.59%
2001	N/A	+12.22%
2000	N/A	-16.36%
1999	N/A	+6.26%

ENVA vs PSMT Drawdown Comparison

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

The maximum drawdown for PSMT was -89.28%, occurring on May 25, 2004. Recovery took 2811 trading sessions.

The current ENVA drawdown is -3.01%. The current PSMT drawdown is -1.92%.

Rank	ENVA	PSMT
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-89.28% Mar 3, 2000 - May 6, 2011
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-63.67% Nov 27, 2013 - Jul 17, 2025
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-25.64% May 2, 2012 - Nov 6, 2012
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-23.97% Nov 8, 2011 - Apr 12, 2012
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-22.06% Sep 19, 2011 - Oct 12, 2011
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-15.18% Aug 3, 2011 - Aug 29, 2011
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-15.07% Nov 6, 2012 - Apr 10, 2013
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-13.92% May 12, 2011 - Jun 27, 2011
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-12.19% Nov 8, 1999 - Feb 10, 2000
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-10.71% Jul 9, 2013 - Sep 18, 2013
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-10.62% Mar 2, 2026 - Apr 9, 2026
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-7.46% May 6, 2013 - Jun 18, 2013
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-7.37% Oct 15, 2025 - Nov 25, 2025
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-7.08% Nov 13, 2013 - Nov 22, 2013
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-6.98% Feb 10, 2000 - Mar 2, 2000