ENVA vs URBN

Comparison between Enova International Inc (ENVA, Company) and Urban Outfitters Inc (URBN, Company).

ENVA is from the Financial Services sector, while URBN is from the Consumer Cyclical sector.

5-Year PerformanceENVA has outperformed URBN, delivering a return of +47.6% compared to +11.9%

ENVA vs URBN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	URBN(COMPANY)
Market Cap	$6.04B	$6.04B
Max Drawdown	81.56%	76.18%
Sharpe Ratio	1.94	-0.00
5Y Beta	1.34	1.25
Industry	Credit Services	Apparel Retail
P/E Ratio	18.47	13.25
Forward P/E	14.45	11.39
PEG Ratio	0.41	1.53
5Y EPS CAGR	-0.17%	21.97%
Debt to Equity	344.74%	0.00%
Free Cash Flow Yield	31.51%	2.49%
P/S Ratio	3.81	0.96
P/B Ratio	4.30	2.32

Market Cap

ENVA

$6.04B

Winner

URBN

$6.04B

Max Drawdown

ENVA

81.56%

Winner

URBN

76.18%

Sharpe Ratio

Winner

ENVA

1.94

URBN

-0.00

5Y Beta

ENVA

1.34

Winner

URBN

1.25

Industry

ENVA

Credit Services

URBN

Apparel Retail

P/E Ratio

ENVA

18.47

Winner

URBN

13.25

Forward P/E

ENVA

14.45

Winner

URBN

11.39

PEG Ratio

Winner

ENVA

0.41

URBN

1.53

5Y EPS CAGR

ENVA

-0.17%

Winner

URBN

21.97%

Debt to Equity

ENVA

344.74%

Winner

URBN

0.00%

Free Cash Flow Yield

Winner

ENVA

31.51%

URBN

2.49%

P/S Ratio

ENVA

3.81

Winner

URBN

0.96

P/B Ratio

ENVA

4.30

Winner

URBN

2.32

ENVA vs URBN - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	URBN
1 month	+39.13%	-2.71%
3 months	+69.26%	+4.27%
6 months	+45.22%	-14.11%
1 year	+102.24%	-1.80%
5 years(CAGR)	+47.58%	+11.86%
10 years(CAGR)	+42.90%	+9.43%
Max(CAGR)	+20.43%	+12.76%

Winner

ENVA

+39.13%

URBN

-2.71%

Winner

ENVA

+69.26%

URBN

+4.27%

Winner

ENVA

+45.22%

URBN

-14.11%

Winner

ENVA

+102.24%

URBN

-1.80%

5Y(CAGR)

Winner

ENVA

+47.58%

URBN

+11.86%

10Y(CAGR)

Winner

ENVA

+42.90%

URBN

+9.43%

Max(CAGR)

Winner

ENVA

+20.43%

URBN

+12.76%

ENVA vs URBN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	ENVA	URBN
2026	+45.02%	-7.92%
2025	+63.51%	+32.41%
2024	+73.79%	+53.60%
2023	+43.31%	+47.11%
2022	-7.39%	-19.97%
2021	+77.62%	+19.59%
2020	+2.61%	-8.01%
2019	+20.24%	-16.33%
2018	+24.35%	-7.37%
2017	+14.72%	+22.67%
2016	+90.15%	+25.19%
2015	-71.03%	-35.19%
2014	-17.40%	-7.01%
2013	N/A	-9.47%
2012	N/A	+41.84%
2011	N/A	-22.26%
2010	N/A	+2.58%
2009	N/A	+121.32%
2008	N/A	-45.31%
2007	N/A	+14.92%
2006	N/A	-7.73%
2005	N/A	+15.44%
2004	N/A	+141.83%
2003	N/A	+207.59%
2002	N/A	-3.99%
2001	N/A	+196.87%
2000	N/A	-71.13%
1999	N/A	+29.12%

ENVA vs URBN Drawdown Comparison

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

The maximum drawdown for URBN was -76.18%, occurring on Dec 18, 2000. Recovery took 573 trading sessions.

The current ENVA drawdown is -3.01%. The current URBN drawdown is -16.12%.

Rank	ENVA	URBN
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-76.18% Dec 31, 1999 - Apr 17, 2002
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-73.80% Aug 14, 2018 - Dec 2, 2024
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-65.54% Sep 8, 2008 - Mar 26, 2010
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-65.22% Mar 20, 2015 - Jun 11, 2018
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-58.09% Nov 23, 2005 - Apr 25, 2008
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-53.75% Jun 18, 2002 - Jun 5, 2003
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	-46.01% Apr 26, 2010 - Jan 2, 2013
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	-35.36% May 17, 2013 - Mar 13, 2015
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	-28.46% Jan 21, 2025 - May 15, 2025
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	-26.32% Dec 15, 2025 - Mar 30, 2026
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	-25.34% Aug 6, 2025 - Dec 11, 2025
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	-18.05% Jul 22, 2005 - Oct 21, 2005
#13	-12.17% Jan 14, 2022 - Feb 7, 2022	-17.92% Nov 12, 2004 - Mar 7, 2005
#14	-11.60% Nov 25, 2024 - Jan 17, 2025	-17.37% Dec 8, 1999 - Dec 27, 1999
#15	-10.29% Apr 23, 2024 - Jul 11, 2024	-16.80% Apr 29, 2008 - Aug 8, 2008