ENVA vs YOU

Comparison between Enova International Inc (ENVA, Company) and Clear Secure Inc Class A (YOU, Company).

ENVA is from the Financial Services sector, while YOU is from the Technology sector.

5-Year PerformanceENVA has outperformed YOU, delivering a return of +47.0% compared to +8.2%

ENVA vs YOU - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ENVA(COMPANY)	YOU(COMPANY)
Market Cap	$5.60B	$5.61B
Max Drawdown	81.56%	73.41%
Sharpe Ratio	1.79	1.33
5Y Beta	1.35	0.84
Industry	Credit Services	Software - Application
P/E Ratio	17.13	44.41
Forward P/E	14.45	N/A
PEG Ratio	0.38	N/A
Dividend Yield	N/A	0.93%
5Y EPS CAGR	-0.17%	19.15%
Debt to Equity	344.74%	0.00%
Free Cash Flow Yield	33.97%	7.80%

Market Cap

ENVA

$5.60B

Winner

YOU

$5.61B

Max Drawdown

ENVA

81.56%

Winner

YOU

73.41%

Sharpe Ratio

Winner

ENVA

1.79

YOU

1.33

5Y Beta

ENVA

1.35

Winner

YOU

0.84

Industry

ENVA

Credit Services

YOU

Software - Application

P/E Ratio

Winner

ENVA

17.13

YOU

44.41

Forward P/E

ENVA

14.45

YOU

N/A

PEG Ratio

ENVA

0.38

YOU

N/A

Dividend Yield

ENVA

N/A

YOU

0.93%

5Y EPS CAGR

ENVA

-0.17%

Winner

YOU

19.15%

Debt to Equity

ENVA

344.74%

Winner

YOU

0.00%

Free Cash Flow Yield

Winner

ENVA

33.97%

YOU

7.80%

ENVA vs YOU - Historical Returns

Returns include dividend reinvestment.

Period	ENVA	YOU
1 month	+31.00%	+1.20%
3 months	+52.44%	+10.38%
6 months	+36.33%	+53.90%
1 year	+93.84%	+97.32%
5 years(CAGR)	+46.98%	+8.15%
10 years(CAGR)	+40.98%	N/A
Max(CAGR)	+19.97%	+9.33%

Winner

ENVA

+31.00%

YOU

+1.20%

Winner

ENVA

+52.44%

YOU

+10.38%

ENVA

+36.33%

Winner

YOU

+53.90%

ENVA

+93.84%

Winner

YOU

+97.32%

5Y(CAGR)

Winner

ENVA

+46.98%

YOU

+8.15%

10Y(CAGR)

ENVA

+40.98%

YOU

N/A

Max(CAGR)

Winner

ENVA

+19.97%

YOU

+9.33%

ENVA vs YOU - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	ENVA	YOU
2026	+38.75%	+63.07%
2025	+63.51%	+33.31%
2024	+73.79%	+34.72%
2023	+43.31%	-22.67%
2022	-7.39%	-13.21%
2021	+77.62%	-21.57%
2020	+2.61%	N/A
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 YOU Drawdown Comparison

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

The maximum drawdown for YOU was -72.92%, occurring on Oct 30, 2023. Recovery took 1183 trading sessions.

The current ENVA drawdown is -7.21%. The current YOU drawdown is -10.78%.

Rank	ENVA	YOU
#1	-81.56% Nov 13, 2014 - Apr 27, 2018	-72.92% Aug 2, 2021 - Apr 20, 2026
#2	-77.57% Jul 19, 2018 - Mar 10, 2021	-19.19% May 26, 2026 - Jun 12, 2026
#3	-42.84% Feb 10, 2022 - Feb 2, 2023	-18.33% Jul 2, 2021 - Jul 30, 2021
#4	-37.01% Jul 18, 2023 - Jan 25, 2024	-8.86% May 6, 2026 - May 20, 2026
#5	-26.25% Feb 6, 2025 - Jul 10, 2025	-8.67% Apr 21, 2026 - May 5, 2026
#6	-24.78% Mar 12, 2021 - Nov 5, 2021	-3.14% May 20, 2026 - May 26, 2026
#7	-24.75% Feb 2, 2026 - Apr 27, 2026	N/A
#8	-21.84% Feb 3, 2023 - Jun 29, 2023	N/A
#9	-18.31% Sep 22, 2025 - Nov 5, 2025	N/A
#10	-14.51% Jul 23, 2025 - Aug 26, 2025	N/A
#11	-13.97% Nov 12, 2021 - Jan 12, 2022	N/A
#12	-13.87% Jul 31, 2024 - Oct 16, 2024	N/A
#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