YOU vs ENVA

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

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

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

YOU vs ENVA - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

YOU

$5.61B

ENVA

$5.60B

Max Drawdown

Winner

YOU

73.41%

ENVA

81.56%

Sharpe Ratio

YOU

1.33

Winner

ENVA

1.79

5Y Beta

Winner

YOU

0.84

ENVA

1.35

Industry

YOU

Software - Application

ENVA

Credit Services

P/E Ratio

YOU

44.41

Winner

ENVA

17.13

Forward P/E

YOU

N/A

ENVA

14.45

PEG Ratio

YOU

N/A

ENVA

0.38

Dividend Yield

YOU

0.93%

ENVA

N/A

5Y EPS CAGR

Winner

YOU

19.15%

ENVA

-0.17%

Debt to Equity

Winner

YOU

0.00%

ENVA

344.74%

Free Cash Flow Yield

YOU

7.80%

Winner

ENVA

33.97%

YOU vs ENVA - Historical Returns

Returns include dividend reinvestment.

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

YOU

+1.20%

Winner

ENVA

+31.00%

YOU

+10.38%

Winner

ENVA

+52.44%

Winner

YOU

+53.90%

ENVA

+36.33%

Winner

YOU

+97.32%

ENVA

+93.84%

5Y(CAGR)

YOU

+8.15%

Winner

ENVA

+46.98%

10Y(CAGR)

YOU

N/A

ENVA

+40.98%

Max(CAGR)

YOU

+9.33%

Winner

ENVA

+19.97%

YOU vs ENVA - Annual Returns (2014 - 2026)

Returns include dividend reinvestment.

Year	YOU	ENVA
2026	+63.07%	+38.75%
2025	+33.31%	+63.51%
2024	+34.72%	+73.79%
2023	-22.67%	+43.31%
2022	-13.21%	-7.39%
2021	-21.57%	+77.62%
2020	N/A	+2.61%
2019	N/A	+20.24%
2018	N/A	+24.35%
2017	N/A	+14.72%
2016	N/A	+90.15%
2015	N/A	-71.03%
2014	N/A	-17.40%

YOU vs ENVA Drawdown Comparison

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

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

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

Rank	YOU	ENVA
#1	-72.92% Aug 2, 2021 - Apr 20, 2026	-81.56% Nov 13, 2014 - Apr 27, 2018
#2	-19.19% May 26, 2026 - Jun 12, 2026	-77.57% Jul 19, 2018 - Mar 10, 2021
#3	-18.33% Jul 2, 2021 - Jul 30, 2021	-42.84% Feb 10, 2022 - Feb 2, 2023
#4	-8.86% May 6, 2026 - May 20, 2026	-37.01% Jul 18, 2023 - Jan 25, 2024
#5	-8.67% Apr 21, 2026 - May 5, 2026	-26.25% Feb 6, 2025 - Jul 10, 2025
#6	-3.14% May 20, 2026 - May 26, 2026	-24.78% Mar 12, 2021 - Nov 5, 2021
#7	N/A	-24.75% Feb 2, 2026 - Apr 27, 2026
#8	N/A	-21.84% Feb 3, 2023 - Jun 29, 2023
#9	N/A	-18.31% Sep 22, 2025 - Nov 5, 2025
#10	N/A	-14.51% Jul 23, 2025 - Aug 26, 2025
#11	N/A	-13.97% Nov 12, 2021 - Jan 12, 2022
#12	N/A	-13.87% Jul 31, 2024 - Oct 16, 2024
#13	N/A	-12.17% Jan 14, 2022 - Feb 7, 2022
#14	N/A	-11.60% Nov 25, 2024 - Jan 17, 2025
#15	N/A	-10.29% Apr 23, 2024 - Jul 11, 2024