URBN vs ENVA

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

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

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

URBN vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

URBN

$6.04B

ENVA

$6.04B

Max Drawdown

Winner

URBN

76.18%

ENVA

81.56%

Sharpe Ratio

URBN

-0.00

Winner

ENVA

1.94

5Y Beta

Winner

URBN

1.25

ENVA

1.34

Industry

URBN

Apparel Retail

ENVA

Credit Services

P/E Ratio

Winner

URBN

13.25

ENVA

18.47

Forward P/E

Winner

URBN

11.39

ENVA

14.45

PEG Ratio

URBN

1.53

Winner

ENVA

0.41

5Y EPS CAGR

Winner

URBN

21.97%

ENVA

-0.17%

Debt to Equity

Winner

URBN

0.00%

ENVA

344.74%

Free Cash Flow Yield

URBN

2.49%

Winner

ENVA

31.51%

P/S Ratio

Winner

URBN

0.96

ENVA

3.81

P/B Ratio

Winner

URBN

2.32

ENVA

4.30

URBN vs ENVA - Historical Returns

Returns include dividend reinvestment.

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

URBN

-2.71%

Winner

ENVA

+39.13%

URBN

+4.27%

Winner

ENVA

+69.26%

URBN

-14.11%

Winner

ENVA

+45.22%

URBN

-1.80%

Winner

ENVA

+102.24%

5Y(CAGR)

URBN

+11.86%

Winner

ENVA

+47.58%

10Y(CAGR)

URBN

+9.43%

Winner

ENVA

+42.90%

Max(CAGR)

URBN

+12.76%

Winner

ENVA

+20.43%

URBN vs ENVA - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

URBN vs ENVA Drawdown Comparison

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

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

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

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