ENVA vs SPY

Comparison between Enova International Inc (ENVA, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceENVA has outperformed SPY, delivering a return of +34.6% compared to +13.9%

ENVA vs SPY - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	SPY(ETF)
Market Cap / Net Assets	$4.10B	$735B
Expense Ratio	N/A	0.09%
Max Drawdown	81.56%	56.47%
Sharpe Ratio	1.45	1.72
5Y Beta	1.39	1.00
Industry	Credit Services	N/A
P/E Ratio	12.55	28.68
Forward P/E	10.11	22.00
PEG Ratio	0.28	N/A
5Y Dividends CAGR	N/A	5.43%
5Y EPS CAGR	-0.17%	26.37%
Debt to Equity	344.74%	34.04%
Free Cash Flow Yield	46.38%	N/A
P/S Ratio	2.59	3.85
P/B Ratio	2.92	5.68

Market Cap / Net Assets

ENVA

$4.10B

Winner

SPY

$735B

Expense Ratio

ENVA

N/A

SPY

0.09%

Max Drawdown

ENVA

81.56%

Winner

SPY

56.47%

Sharpe Ratio

ENVA

1.45

Winner

SPY

1.72

5Y Beta

ENVA

1.39

Winner

SPY

1.00

Industry

ENVA

Credit Services

SPY

N/A

P/E Ratio

Winner

ENVA

12.55

SPY

28.68

Forward P/E

Winner

ENVA

10.11

SPY

22.00

PEG Ratio

ENVA

0.28

SPY

N/A

5Y Dividends CAGR

ENVA

N/A

SPY

5.43%

5Y EPS CAGR

ENVA

-0.17%

Winner

SPY

26.37%

Debt to Equity

ENVA

344.74%

Winner

SPY

34.04%

Free Cash Flow Yield

ENVA

46.38%

SPY

N/A

P/S Ratio

Winner

ENVA

2.59

SPY

3.85

P/B Ratio

Winner

ENVA

2.92

SPY

5.68

ENVA vs SPY - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	SPY
1 month	-1.58%	+5.49%
3 months	+10.72%	+8.03%
6 months	+29.58%	+13.34%
1 year	+74.11%	+28.89%
5 years(CAGR)	+34.58%	+13.90%
10 years(CAGR)	+35.71%	+15.59%
Max(CAGR)	+16.78%	+8.51%

ENVA

-1.58%

Winner

SPY

+5.49%

Winner

ENVA

+10.72%

SPY

+8.03%

Winner

ENVA

+29.58%

SPY

+13.34%

Winner

ENVA

+74.11%

SPY

+28.89%

5Y(CAGR)

Winner

ENVA

+34.58%

SPY

+13.90%

10Y(CAGR)

Winner

ENVA

+35.71%

SPY

+15.59%

Max(CAGR)

Winner

ENVA

+16.78%

SPY

+8.51%

ENVA vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	SPY
2026	-0.65%	+9.02%
2025	+63.51%	+18.00%
2024	+73.79%	+25.59%
2023	+43.31%	+26.72%
2022	-7.39%	-18.64%
2021	+77.62%	+30.52%
2020	+2.61%	+17.28%
2019	+20.24%	+31.09%
2018	+24.35%	-5.24%
2017	+14.72%	+20.78%
2016	+90.15%	+13.59%
2015	-71.03%	+1.31%
2014	-17.40%	+14.56%
2013	N/A	+29.00%
2012	N/A	+14.17%
2011	N/A	+0.85%
2010	N/A	+13.14%
2009	N/A	+22.67%
2008	N/A	-36.25%
2007	N/A	+5.32%
2006	N/A	+13.85%
2005	N/A	+5.32%
2004	N/A	+10.75%
2003	N/A	+24.18%
2002	N/A	-22.42%
2001	N/A	-10.13%
2000	N/A	-8.84%
1999	N/A	+8.61%

ENVA vs SPY Drawdown Comparison

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

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current ENVA drawdown is -8.00%. The current SPY drawdown is -0.73%.

Rank	ENVA	SPY
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-55.20% Oct 9, 2007 - Aug 16, 2012
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-47.50% Mar 24, 2000 - Oct 26, 2006
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-33.70% Feb 19, 2020 - Aug 10, 2020
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-24.50% Jan 3, 2022 - Dec 13, 2023
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-19.34% Sep 20, 2018 - Apr 12, 2019
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-18.76% Feb 19, 2025 - Jun 26, 2025
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-13.02% Jul 20, 2015 - Apr 18, 2016
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-10.10% Jan 26, 2018 - Aug 6, 2018
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-9.44% Sep 2, 2020 - Nov 11, 2020
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-9.30% Jan 19, 2000 - Mar 17, 2000
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-9.05% Jul 19, 2007 - Oct 5, 2007
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-8.88% Jan 27, 2026 - Apr 14, 2026
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-8.41% Jul 16, 2024 - Sep 19, 2024
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-7.35% Sep 14, 2012 - Jan 2, 2013
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-7.27% Sep 18, 2014 - Oct 31, 2014