PSMT vs ENVA

Comparison between Pricesmart Inc (PSMT, Company) and Enova International Inc (ENVA, Company).

PSMT is from the Consumer Defensive sector, while ENVA is from the Financial Services sector.

5-Year PerformanceENVA has outperformed PSMT, delivering a return of +47.6% compared to +18.7%

PSMT vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PSMT(COMPANY)	ENVA(COMPANY)
Market Cap	$6.03B	$6.04B
Max Drawdown	89.28%	81.56%
Sharpe Ratio	2.19	1.94
5Y Beta	0.57	1.34
Industry	Discount Stores	Credit Services
P/E Ratio	38.58	18.47
Forward P/E	27.47	14.45
PEG Ratio	4.39	0.41
Dividend Yield	0.67%	N/A
5Y Dividends CAGR	22.87%	N/A
5Y EPS CAGR	11.87%	-0.17%
Debt to Equity	12.24%	344.74%
Free Cash Flow Yield	1.40%	31.51%
P/S Ratio	1.09	3.81
P/B Ratio	4.53	4.30

Market Cap

PSMT

$6.03B

Winner

ENVA

$6.04B

Max Drawdown

PSMT

89.28%

Winner

ENVA

81.56%

Sharpe Ratio

Winner

PSMT

2.19

ENVA

1.94

5Y Beta

Winner

PSMT

0.57

ENVA

1.34

Industry

PSMT

Discount Stores

ENVA

Credit Services

P/E Ratio

PSMT

38.58

Winner

ENVA

18.47

Forward P/E

PSMT

27.47

Winner

ENVA

14.45

PEG Ratio

PSMT

4.39

Winner

ENVA

0.41

Dividend Yield

PSMT

0.67%

ENVA

N/A

5Y Dividends CAGR

PSMT

22.87%

ENVA

N/A

5Y EPS CAGR

Winner

PSMT

11.87%

ENVA

-0.17%

Debt to Equity

Winner

PSMT

12.24%

ENVA

344.74%

Free Cash Flow Yield

PSMT

1.40%

Winner

ENVA

31.51%

P/S Ratio

Winner

PSMT

1.09

ENVA

3.81

P/B Ratio

PSMT

4.53

Winner

ENVA

4.30

PSMT vs ENVA - Historical Returns

Returns include dividend reinvestment.

Period	PSMT	ENVA
1 month	+11.57%	+39.13%
3 months	+25.23%	+69.26%
6 months	+53.37%	+45.22%
1 year	+86.03%	+102.24%
5 years(CAGR)	+18.69%	+47.58%
10 years(CAGR)	+8.79%	+42.90%
Max(CAGR)	+7.44%	+20.43%

PSMT

+11.57%

Winner

ENVA

+39.13%

PSMT

+25.23%

Winner

ENVA

+69.26%

Winner

PSMT

+53.37%

ENVA

+45.22%

PSMT

+86.03%

Winner

ENVA

+102.24%

5Y(CAGR)

PSMT

+18.69%

Winner

ENVA

+47.58%

10Y(CAGR)

PSMT

+8.79%

Winner

ENVA

+42.90%

Max(CAGR)

PSMT

+7.44%

Winner

ENVA

+20.43%

PSMT vs ENVA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PSMT	ENVA
2026	+58.10%	+45.02%
2025	+33.74%	+63.51%
2024	+25.59%	+73.79%
2023	+24.65%	+43.31%
2022	-16.66%	-7.39%
2021	-20.07%	+77.62%
2020	+32.51%	+2.61%
2019	+21.98%	+20.24%
2018	-32.30%	+24.35%
2017	+3.59%	+14.72%
2016	+4.72%	+90.15%
2015	-6.85%	-71.03%
2014	-17.65%	-17.40%
2013	+50.80%	N/A
2012	+10.84%	N/A
2011	+84.49%	N/A
2010	+87.57%	N/A
2009	+0.90%	N/A
2008	-26.46%	N/A
2007	+77.01%	N/A
2006	+120.40%	N/A
2005	+11.32%	N/A
2004	+19.81%	N/A
2003	-72.02%	N/A
2002	-33.59%	N/A
2001	+12.22%	N/A
2000	-16.36%	N/A
1999	+6.26%	N/A

PSMT vs ENVA Drawdown Comparison

The maximum drawdown for PSMT was -89.28%, occurring on May 25, 2004. Recovery took 2811 trading sessions.

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

The current PSMT drawdown is -1.92%. The current ENVA drawdown is -3.01%.

Rank	PSMT	ENVA
#1	-89.28% Mar 3, 2000 - May 6, 2011	-81.56% Nov 13, 2014 - Apr 27, 2018
#2	-63.67% Nov 27, 2013 - Jul 17, 2025	-77.57% Jul 19, 2018 - Mar 10, 2021
#3	-25.64% May 2, 2012 - Nov 6, 2012	-42.84% Feb 10, 2022 - Feb 2, 2023
#4	-23.97% Nov 8, 2011 - Apr 12, 2012	-37.01% Jul 18, 2023 - Jan 25, 2024
#5	-22.06% Sep 19, 2011 - Oct 12, 2011	-26.25% Feb 6, 2025 - Jul 10, 2025
#6	-15.18% Aug 3, 2011 - Aug 29, 2011	-24.78% Mar 12, 2021 - Nov 5, 2021
#7	-15.07% Nov 6, 2012 - Apr 10, 2013	-24.75% Feb 2, 2026 - Apr 27, 2026
#8	-13.92% May 12, 2011 - Jun 27, 2011	-21.84% Feb 3, 2023 - Jun 29, 2023
#9	-12.19% Nov 8, 1999 - Feb 10, 2000	-18.31% Sep 22, 2025 - Nov 5, 2025
#10	-10.71% Jul 9, 2013 - Sep 18, 2013	-14.51% Jul 23, 2025 - Aug 26, 2025
#11	-10.62% Mar 2, 2026 - Apr 9, 2026	-13.97% Nov 12, 2021 - Jan 12, 2022
#12	-7.46% May 6, 2013 - Jun 18, 2013	-13.87% Jul 31, 2024 - Oct 16, 2024
#13	-7.37% Oct 15, 2025 - Nov 25, 2025	-12.17% Jan 14, 2022 - Feb 7, 2022
#14	-7.08% Nov 13, 2013 - Nov 22, 2013	-11.60% Nov 25, 2024 - Jan 17, 2025
#15	-6.98% Feb 10, 2000 - Mar 2, 2000	-10.29% Apr 23, 2024 - Jul 11, 2024