ENVA vs RLI

Comparison between Enova International Inc (ENVA, Company) and RLI Corp (RLI, Company).

Both ENVA and RLI are from the Financial Services sector.

5-Year PerformanceENVA has outperformed RLI, delivering a return of +47.0% compared to +8.0%

ENVA vs RLI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	RLI(COMPANY)
Market Cap	$5.60B	$5.58B
Max Drawdown	81.56%	47.18%
Sharpe Ratio	1.79	-0.37
5Y Beta	1.35	0.24
Industry	Credit Services	Insurance - Property & Casualty
P/E Ratio	17.13	14.12
Forward P/E	14.45	22.73
PEG Ratio	0.38	0.35
Dividend Yield	N/A	1.04%
5Y Dividends CAGR	N/A	37.38%
5Y EPS CAGR	-0.17%	5.88%
Debt to Equity	344.74%	19.33%
Free Cash Flow Yield	33.97%	9.82%

Market Cap

Winner

ENVA

$5.60B

RLI

$5.58B

Max Drawdown

ENVA

81.56%

Winner

RLI

47.18%

Sharpe Ratio

Winner

ENVA

1.79

RLI

-0.37

5Y Beta

ENVA

1.35

Winner

RLI

0.24

Industry

ENVA

Credit Services

RLI

Insurance - Property & Casualty

P/E Ratio

ENVA

17.13

Winner

RLI

14.12

Forward P/E

Winner

ENVA

14.45

RLI

22.73

PEG Ratio

ENVA

0.38

Winner

RLI

0.35

Dividend Yield

ENVA

N/A

RLI

1.04%

5Y Dividends CAGR

ENVA

N/A

RLI

37.38%

5Y EPS CAGR

ENVA

-0.17%

Winner

RLI

5.88%

Debt to Equity

ENVA

344.74%

Winner

RLI

19.33%

Free Cash Flow Yield

Winner

ENVA

33.97%

RLI

9.82%

ENVA vs RLI - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	RLI
1 month	+31.00%	+16.48%
3 months	+52.44%	+8.02%
6 months	+36.33%	+4.16%
1 year	+93.84%	-7.89%
5 years(CAGR)	+46.98%	+8.03%
10 years(CAGR)	+40.98%	+10.04%
Max(CAGR)	+19.97%	+15.01%

Winner

ENVA

+31.00%

RLI

+16.48%

Winner

ENVA

+52.44%

RLI

+8.02%

Winner

ENVA

+36.33%

RLI

+4.16%

Winner

ENVA

+93.84%

RLI

-7.89%

5Y(CAGR)

Winner

ENVA

+46.98%

RLI

+8.03%

10Y(CAGR)

Winner

ENVA

+40.98%

RLI

+10.04%

Max(CAGR)

Winner

ENVA

+19.97%

RLI

+15.01%

ENVA vs RLI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	RLI
2026	+38.75%	+1.64%
2025	+63.51%	-18.33%
2024	+73.79%	+25.65%
2023	+43.31%	+2.82%
2022	-7.39%	+24.84%
2021	+77.62%	+13.46%
2020	+2.61%	+18.01%
2019	+20.24%	+35.57%
2018	+24.35%	+19.02%
2017	+14.72%	+2.79%
2016	+90.15%	+10.09%
2015	-71.03%	+33.65%
2014	-17.40%	+12.95%
2013	N/A	+54.33%
2012	N/A	-3.29%
2011	N/A	+50.26%
2010	N/A	+12.73%
2009	N/A	-10.20%
2008	N/A	+12.17%
2007	N/A	+1.88%
2006	N/A	+11.77%
2005	N/A	+23.63%
2004	N/A	+12.17%
2003	N/A	+35.49%
2002	N/A	+25.07%
2001	N/A	+3.80%
2000	N/A	+35.55%
1999	N/A	+3.84%

ENVA vs RLI Drawdown Comparison

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

The maximum drawdown for RLI was -43.50%, occurring on May 13, 2026. This drawdown has not yet recovered.

The current ENVA drawdown is -7.21%. The current RLI drawdown is -25.07%.

Rank	ENVA	RLI
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-43.50% Nov 26, 2024 - May 13, 2026
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-34.71% Sep 22, 2008 - Feb 8, 2011
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-30.17% Nov 27, 2019 - Nov 9, 2020
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-25.33% Dec 6, 2007 - Sep 18, 2008
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-25.32% Nov 18, 1999 - May 30, 2000
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-24.73% Aug 30, 2016 - May 7, 2018
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-20.97% May 3, 2002 - Sep 9, 2002
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-20.94% Mar 30, 2006 - Nov 20, 2006
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-20.12% Nov 26, 2013 - Nov 24, 2014
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-19.02% Oct 25, 2002 - Apr 17, 2003
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-18.44% Jan 27, 2004 - Nov 26, 2004
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-17.83% Sep 14, 2018 - Apr 22, 2019
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-15.84% Jan 20, 2012 - Jan 22, 2013
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-15.72% May 31, 2022 - Oct 21, 2022
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-15.70% Apr 20, 2023 - Jan 19, 2024