PEGA vs ENVA

Comparison between Pegasystems Inc (PEGA, Company) and Enova International Inc (ENVA, Company).

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

5-Year PerformanceENVA has outperformed PEGA, delivering a return of +43.7% compared to -15.4%

PEGA vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PEGA(COMPANY)	ENVA(COMPANY)
Market Cap	$5.08B	$5.05B
Max Drawdown	92.16%	81.56%
Sharpe Ratio	-0.85	2.07
5Y Beta	1.23	1.34
Industry	Software - Application	Credit Services
P/E Ratio	15.04	15.44
Forward P/E	10.04	12.58
PEG Ratio	0.20	0.34
Dividend Yield	0.35%	N/A
5Y Dividends CAGR	17.61%	N/A
5Y EPS CAGR	N/A	-0.17%
Debt to Equity	0.00%	344.74%
Free Cash Flow Yield	9.75%	37.69%
P/S Ratio	2.96	3.19
P/B Ratio	7.12	3.60

Market Cap

Winner

PEGA

$5.08B

ENVA

$5.05B

Max Drawdown

PEGA

92.16%

Winner

ENVA

81.56%

Sharpe Ratio

PEGA

-0.85

Winner

ENVA

2.07

5Y Beta

Winner

PEGA

1.23

ENVA

1.34

Industry

PEGA

Software - Application

ENVA

Credit Services

P/E Ratio

Winner

PEGA

15.04

ENVA

15.44

Forward P/E

Winner

PEGA

10.04

ENVA

12.58

PEG Ratio

Winner

PEGA

0.20

ENVA

0.34

Dividend Yield

PEGA

0.35%

ENVA

N/A

5Y Dividends CAGR

PEGA

17.61%

ENVA

N/A

5Y EPS CAGR

PEGA

N/A

ENVA

-0.17%

Debt to Equity

Winner

PEGA

0.00%

ENVA

344.74%

Free Cash Flow Yield

PEGA

9.75%

Winner

ENVA

37.69%

P/S Ratio

Winner

PEGA

2.96

ENVA

3.19

P/B Ratio

PEGA

7.12

Winner

ENVA

3.60

PEGA vs ENVA - Historical Returns

Returns include dividend reinvestment.

Period	PEGA	ENVA
1 month	-13.13%	+33.95%
3 months	-32.68%	+53.63%
6 months	-52.30%	+29.33%
1 year	-40.12%	+111.46%
5 years(CAGR)	-15.43%	+43.69%
10 years(CAGR)	+7.71%	+39.84%
Max(CAGR)	+11.37%	+19.40%

PEGA

-13.13%

Winner

ENVA

+33.95%

PEGA

-32.68%

Winner

ENVA

+53.63%

PEGA

-52.30%

Winner

ENVA

+29.33%

PEGA

-40.12%

Winner

ENVA

+111.46%

5Y(CAGR)

PEGA

-15.43%

Winner

ENVA

+43.69%

10Y(CAGR)

PEGA

+7.71%

Winner

ENVA

+39.84%

Max(CAGR)

PEGA

+11.37%

Winner

ENVA

+19.40%

PEGA vs ENVA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PEGA	ENVA
2026	-46.73%	+30.27%
2025	+28.65%	+63.51%
2024	+99.13%	+73.79%
2023	+41.53%	+43.31%
2022	-68.86%	-7.39%
2021	-14.99%	+77.62%
2020	+63.54%	+2.61%
2019	+67.44%	+20.24%
2018	-0.14%	+24.35%
2017	+31.28%	+14.72%
2016	+33.59%	+90.15%
2015	+35.81%	-71.03%
2014	-14.75%	-17.40%
2013	+110.24%	N/A
2012	-22.85%	N/A
2011	-19.90%	N/A
2010	+5.18%	N/A
2009	+167.66%	N/A
2008	+12.31%	N/A
2007	+20.89%	N/A
2006	+32.67%	N/A
2005	-14.30%	N/A
2004	-1.39%	N/A
2003	+69.41%	N/A
2002	+19.39%	N/A
2001	+58.18%	N/A
2000	-78.86%	N/A
1999	+52.54%	N/A

PEGA vs ENVA Drawdown Comparison

The maximum drawdown for PEGA was -92.16%, occurring on Dec 26, 2000. Recovery took 2311 trading sessions.

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

The current PEGA drawdown is -58.88%.

Rank	PEGA	ENVA
#1	-92.16% Mar 2, 2000 - May 12, 2009	-81.56% Nov 13, 2014 - Apr 27, 2018
#2	-79.20% Feb 12, 2021 - Oct 11, 2022	-77.57% Jul 19, 2018 - Mar 10, 2021
#3	-58.68% Jul 8, 2011 - Nov 13, 2013	-42.84% Feb 10, 2022 - Feb 2, 2023
#4	-46.83% Apr 22, 2010 - Feb 25, 2011	-37.01% Jul 18, 2023 - Jan 25, 2024
#5	-40.08% Feb 20, 2020 - Jul 1, 2020	-26.25% Feb 6, 2025 - Jul 10, 2025
#6	-37.30% Nov 27, 2013 - Jul 30, 2015	-24.78% Mar 12, 2021 - Nov 5, 2021
#7	-33.81% Sep 18, 2018 - Apr 1, 2019	-24.75% Feb 2, 2026 - Apr 27, 2026
#8	-31.03% Nov 4, 2015 - Oct 18, 2016	-21.84% Feb 3, 2023 - Jun 29, 2023
#9	-26.82% Jun 8, 2017 - Apr 19, 2018	-18.31% Sep 22, 2025 - Nov 5, 2025
#10	-24.91% Jan 27, 2000 - Feb 15, 2000	-14.51% Jul 23, 2025 - Aug 26, 2025
#11	-21.94% Dec 9, 1999 - Jan 19, 2000	-13.97% Nov 12, 2021 - Jan 12, 2022
#12	-20.56% Oct 9, 2009 - Dec 28, 2009	-13.87% Jul 31, 2024 - Oct 16, 2024
#13	-20.52% Feb 25, 2011 - Jun 21, 2011	-12.17% Jan 14, 2022 - Feb 7, 2022
#14	-17.97% Jun 2, 2009 - Jul 29, 2009	-11.60% Nov 25, 2024 - Jan 17, 2025
#15	-17.97% Jun 6, 2018 - Sep 14, 2018	-10.29% Apr 23, 2024 - Jul 11, 2024