MFIN
Medallion Financial Corp.
Financial - Credit Services
Market Cap$221M
5Y Perf.+303.9%
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Stock Comparison
MFIN vs ENVA
Revenue, margins, valuation, and 5-year total return — side by side.
ENVA
Enova International, Inc.
Financial - Credit Services
Market Cap$4.30B
5Y Perf.+1119.6%
MFIN vs ENVA — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | MFIN | ENVA |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $221M | $4.30B |
| Revenue (TTM) | $353M | $3.15B |
| Net Income (TTM) | $47M | $327M |
| Gross Margin | 96.7% | 50.1% |
| Operating Margin | 50.5% | 23.5% |
| Forward P/E | 7.8x | 10.5x |
| Total Debt | $316M | $4.56B |
| Cash & Equiv. | $202M | $72M |
MFIN vs ENVA — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
MFIN
ENVA
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Medallion Financial… (MFIN) | 100 | 403.9 | +303.9% |
| Enova International… (ENVA) | 100 | 1219.6 | +1119.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: MFIN vs ENVA
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MFIN leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and valuation and capital efficiency. Enova International, Inc. is the stronger pick specifically for profitability and margin quality and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
MFIN
Medallion Financial Corp.
The Banking Pick
MFIN carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 4 yrs, beta 1.15, yield 4.8%
- Rev growth 21.1%, EPS growth 17.1%
- Lower volatility, beta 1.15, Low D/E 62.3%, current ratio 27.10x
Best for: income & stability and growth exposure
ENVA
Enova International, Inc.
The Banking Pick
ENVA is the clearest fit if your priority is long-term compounding.
- 20.1% 10Y total return vs MFIN's 54.5%
- Efficiency ratio 0.3% vs MFIN's 0.5% (lower = leaner)
- +86.5% vs MFIN's +8.3%
Best for: long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MFIN | 21.1% NII/revenue growth vs ENVA's 18.6% |
| Value | MFIN | Lower P/E (7.8x vs 10.5x) |
| Quality / Margins | ENVA | Efficiency ratio 0.3% vs MFIN's 0.5% (lower = leaner) |
| Stability / Safety | MFIN | Beta 1.15 vs ENVA's 1.48, lower leverage |
| Dividends | MFIN | 4.8% yield; 4-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | ENVA | +86.5% vs MFIN's +8.3% |
| Efficiency (ROA) | ENVA | Efficiency ratio 0.3% vs MFIN's 0.5% |
MFIN vs ENVA — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMFINLAGGINGENVA
ENVAEnova International, …
1leads
MFINMedallion Financial C…
4leads
6 Total Categories
CATEGORYLEADERvs ENVAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MFIN3/5
Valuation MetricsMultiples, price ratios, and targets
MFIN6/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MFIN5/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ENVA6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
MFIN1/1
Income & Cash Flow (Last 12 Months)
MFIN leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ENVA is the larger business by revenue, generating $3.2B annually — 8.9x MFIN's $353M. Profitability is closely matched — net margins range from 12.2% (MFIN) to 9.8% (ENVA).
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| RevenueTrailing 12 months | $353M | $3.2B |
| EBITDAEarnings before interest/tax | $111M | $815M |
| Net IncomeAfter-tax profit | $47M | $327M |
| Free Cash FlowCash after capex | $126M | $1.9B |
| Gross MarginGross profit ÷ Revenue | +96.7% | +50.1% |
| Operating MarginEBIT ÷ Revenue | +50.5% | +23.5% |
| Net MarginNet income ÷ Revenue | +12.2% | +9.8% |
| FCF MarginFCF ÷ Revenue | +35.7% | +56.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +16.3% | +28.6% |
MFIN leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
MFIN leads this category, winning 6 of 6 comparable metrics.
Valuation Metrics
At 5.3x trailing earnings, MFIN trades at a 65% valuation discount to ENVA's 14.9x P/E. On an enterprise value basis, MFIN's 1.9x EV/EBITDA is more attractive than ENVA's 11.3x.
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| Market CapShares × price | $221M | $4.3B |
| Enterprise ValueMkt cap + debt − cash | $336M | $8.8B |
| Trailing P/EPrice ÷ TTM EPS | 5.29x | 14.90x |
| Forward P/EPrice ÷ next-FY EPS est. | 7.84x | 10.50x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 1.89x | 11.26x |
| Price / SalesMarket cap ÷ Revenue | 0.63x | 1.37x |
| Price / BookPrice ÷ Book value/share | 0.45x | 3.40x |
| Price / FCFMarket cap ÷ FCF | 1.75x | 2.43x |
MFIN leads this category, winning 6 of 6 comparable metrics.
Profitability & Efficiency
MFIN leads this category, winning 5 of 9 comparable metrics.
Profitability & Efficiency
ENVA delivers a 24.9% return on equity — every $100 of shareholder capital generates $25 in annual profit, vs $9 for MFIN. MFIN carries lower financial leverage with a 0.62x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.41x. On the Piotroski fundamental quality scale (0–9), MFIN scores 7/9 vs ENVA's 6/9, reflecting strong financial health.
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| ROE (TTM)Return on equity | +9.4% | +24.9% |
| ROA (TTM)Return on assets | +1.6% | +5.2% |
| ROICReturn on invested capital | +17.2% | +10.4% |
| ROCEReturn on capital employed | +10.0% | +13.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.62x | 3.41x |
| Net DebtTotal debt minus cash | $115M | $4.5B |
| Cash & Equiv.Liquid assets | $202M | $72M |
| Total DebtShort + long-term debt | $316M | $4.6B |
| Interest CoverageEBIT ÷ Interest expense | 1.07x | 79.01x |
MFIN leads this category, winning 5 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ENVA leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ENVA five years ago would be worth $48,804 today (with dividends reinvested), compared to $12,232 for MFIN. Over the past 12 months, ENVA leads with a +86.5% total return vs MFIN's +8.3%. The 3-year compound annual growth rate (CAGR) favors ENVA at 59.0% vs MFIN's 16.1% — a key indicator of consistent wealth creation.
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| YTD ReturnYear-to-date | -6.4% | +6.6% |
| 1-Year ReturnPast 12 months | +8.3% | +86.5% |
| 3-Year ReturnCumulative with dividends | +56.7% | +302.2% |
| 5-Year ReturnCumulative with dividends | +22.3% | +388.0% |
| 10-Year ReturnCumulative with dividends | +54.5% | +2009.7% |
| CAGR (3Y)Annualised 3-year return | +16.1% | +59.0% |
ENVA leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — MFIN and ENVA each lead in 1 of 2 comparable metrics.
Risk & Volatility
MFIN is the less volatile stock with a 1.15 beta — it tends to amplify market swings less than ENVA's 1.48 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ENVA currently trades 97.7% from its 52-week high vs MFIN's 85.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.15x | 1.48x |
| 52-Week HighHighest price in past year | $11.00 | $176.68 |
| 52-Week LowLowest price in past year | $7.88 | $89.00 |
| % of 52W HighCurrent price vs 52-week peak | +85.5% | +97.7% |
| RSI (14)Momentum oscillator 0–100 | 51.8 | 62.6 |
| Avg Volume (50D)Average daily shares traded | 57K | 225K |
Evenly matched — MFIN and ENVA each lead in 1 of 2 comparable metrics.
Analyst Outlook
MFIN leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates MFIN as "Hold" and ENVA as "Buy". MFIN is the only dividend payer here at 4.81% yield — a key consideration for income-focused portfolios.
| Metric | MFINMedallion Financi… | ENVAEnova Internation… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | $199.50 |
| # AnalystsCovering analysts | 9 | 10 |
| Dividend YieldAnnual dividend ÷ price | +4.8% | — |
| Dividend StreakConsecutive years of raises | 4 | 1 |
| Dividend / ShareAnnual DPS | $0.45 | — |
| Buyback YieldShare repurchases ÷ mkt cap | +0.4% | +5.0% |
MFIN leads this category, winning 1 of 1 comparable metric.
Key Takeaway
MFIN leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). ENVA leads in 1 (Total Returns). 1 tied.
Best OverallMedallion Financial Corp. (MFIN)Leads 4 of 6 categories
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MFIN vs ENVA: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is MFIN or ENVA a better buy right now?
For growth investors, Medallion Financial Corp.
(MFIN) is the stronger pick with 21. 1% revenue growth year-over-year, versus 18. 6% for Enova International, Inc. (ENVA). Medallion Financial Corp. (MFIN) offers the better valuation at 5. 3x trailing P/E (7. 8x forward), making it the more compelling value choice. Analysts rate Enova International, Inc. (ENVA) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — MFIN or ENVA?
On trailing P/E, Medallion Financial Corp.
(MFIN) is the cheapest at 5. 3x versus Enova International, Inc. at 14. 9x. On forward P/E, Medallion Financial Corp. is actually cheaper at 7. 8x.
03Which is the better long-term investment — MFIN or ENVA?
Over the past 5 years, Enova International, Inc.
(ENVA) delivered a total return of +388. 0%, compared to +22. 3% for Medallion Financial Corp. (MFIN). Over 10 years, the gap is even starker: ENVA returned +20. 1% versus MFIN's +54. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — MFIN or ENVA?
By beta (market sensitivity over 5 years), Medallion Financial Corp.
(MFIN) is the lower-risk stock at 1. 15β versus Enova International, Inc. 's 1. 48β — meaning ENVA is approximately 29% more volatile than MFIN relative to the S&P 500. On balance sheet safety, Medallion Financial Corp. (MFIN) carries a lower debt/equity ratio of 62% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — MFIN or ENVA?
By revenue growth (latest reported year), Medallion Financial Corp.
(MFIN) is pulling ahead at 21. 1% versus 18. 6% for Enova International, Inc. (ENVA). On earnings-per-share growth, the picture is similar: Enova International, Inc. grew EPS 55. 9% year-over-year, compared to 17. 1% for Medallion Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — MFIN or ENVA?
Medallion Financial Corp.
(MFIN) is the more profitable company, earning 12. 2% net margin versus 9. 8% for Enova International, Inc. — meaning it keeps 12. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFIN leads at 50. 5% versus 23. 5% for ENVA. At the gross margin level — before operating expenses — MFIN leads at 96. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is MFIN or ENVA more undervalued right now?
On forward earnings alone, Medallion Financial Corp.
(MFIN) trades at 7. 8x forward P/E versus 10. 5x for Enova International, Inc. — 2. 7x cheaper on a one-year earnings basis.
08Which pays a better dividend — MFIN or ENVA?
In this comparison, MFIN (4.
8% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
09Is MFIN or ENVA better for a retirement portfolio?
For long-horizon retirement investors, Medallion Financial Corp.
(MFIN) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 15), 4. 8% yield). Both have compounded well over 10 years (MFIN: +54. 5%, ENVA: +20. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between MFIN and ENVA?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
MFIN pays a dividend while ENVA does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(MFIN: 21.1% · ENVA: 18.6%)Net Margin>
%
(MFIN: 12.2% · ENVA: 9.8%)P/E Ratio<
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