Comprehensive Stock Comparison
Compare Akso Health Group (AHG) vs Enova International, Inc. (ENVA) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | AHG | 5.1% revenue growth vs ENVA's 18.6% |
| Value | AHG | Lower P/E (0.4x vs 9.0x) |
| Quality / Margins | ENVA | 9.8% net margin vs AHG's -9.1% |
| Stability / Safety | AHG | Beta 0.80 vs ENVA's 1.38, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | ENVA | +34.6% vs AHG's +5.6% |
| Efficiency (ROA) | ENVA | 4.8% ROA vs AHG's -62.8%, ROIC 10.4% vs -73.9% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Akso Health Group operates a social e-commerce mobile platform in China that connects consumers with health and lifestyle products. The company generates revenue primarily through its Xiaobai Maimai App — which earns commissions on sales of food, beverages, cosmetics, apparel, and home goods — supplemented by IT support services and branded product trading. Its competitive advantage lies in its social commerce model that leverages community-driven purchasing and established supplier relationships in China's health-conscious consumer market.
Enova International is an online financial services provider that offers installment loans, lines of credit, and other financing products to consumers and small businesses through digital platforms. It generates revenue primarily from interest and fees on its loans — with consumer lending accounting for roughly 80% of revenue and small business lending making up the remaining 20%. The company's competitive advantage lies in its proprietary technology and analytics platform that enables rapid, data-driven credit decisions for near-prime borrowers who are often underserved by traditional banks.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
ENVA leads in 2 of 6 categories (Financial Metrics, Profitability & Efficiency). AHG leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
ENVA is the larger business by revenue, generating $3.2B annually — 213.3x AHG's $15M. ENVA is the more profitable business, keeping 9.8% of every revenue dollar as net income compared to AHG's -9.1%.
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| RevenueTrailing 12 months | $15M | $3.2B |
| EBITDAEarnings before interest/tax | -$164M | $781M |
| Net IncomeAfter-tax profit | -$135M | $308M |
| Free Cash FlowCash after capex | $1M | $1.8B |
| Gross MarginGross profit ÷ Revenue | -1.9% | +50.1% |
| Operating MarginEBIT ÷ Revenue | -11.3% | +23.5% |
| Net MarginNet income ÷ Revenue | -9.1% | +9.8% |
| FCF MarginFCF ÷ Revenue | +6.9% | +56.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.8% | +30.4% |
Valuation Metrics
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| Market CapShares × price | $2.4B | $3.4B |
| Enterprise ValueMkt cap + debt − cash | $2.2B | $7.9B |
| Trailing P/EPrice ÷ TTM EPS | -2.97x | 12.01x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.35x | 8.97x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | — | 10.06x |
| Price / SalesMarket cap ÷ Revenue | 159.65x | 1.09x |
| Price / BookPrice ÷ Book value/share | 2.04x | 2.74x |
| Price / FCFMarket cap ÷ FCF | 2306.83x | 1.94x |
Profitability & Efficiency
ENVA delivers a 23.1% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $-68 for AHG. AHG carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.37x. On the Piotroski fundamental quality scale (0–9), ENVA scores 6/9 vs AHG's 4/9, reflecting solid financial health.
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| ROE (TTM)Return on equity | -67.8% | +23.1% |
| ROA (TTM)Return on assets | -62.8% | +4.8% |
| ROICReturn on invested capital | -73.9% | +10.4% |
| ROCEReturn on capital employed | -98.0% | +13.5% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 6 |
| Debt / EquityFinancial leverage | 0.00x | 3.37x |
| Net DebtTotal debt minus cash | -$176M | $4.4B |
| Cash & Equiv.Liquid assets | $176M | $72M |
| Total DebtShort + long-term debt | $81,737 | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | — | 2.88x |
Total Returns (with DRIP)
A $10,000 investment in ENVA five years ago would be worth $44,143 today (with dividends reinvested), compared to $7,383 for AHG. Over the past 12 months, ENVA leads with a +34.6% total return vs AHG's +5.6%. The 3-year compound annual growth rate (CAGR) favors AHG at 43.7% vs ENVA's 41.8% — a key indicator of consistent wealth creation.
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| YTD ReturnYear-to-date | -10.9% | -14.1% |
| 1-Year ReturnPast 12 months | +5.6% | +34.6% |
| 3-Year ReturnCumulative with dividends | +196.9% | +185.2% |
| 5-Year ReturnCumulative with dividends | -26.2% | +341.4% |
| 10-Year ReturnCumulative with dividends | -97.7% | +2305.7% |
| CAGR (3Y)Annualised 3-year return | +43.7% | +41.8% |
Risk & Volatility
AHG is the less volatile stock with a 0.80 beta — it tends to amplify market swings less than ENVA's 1.38 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ENVA currently trades 78.7% from its 52-week high vs AHG's 67.9% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.80x | 1.38x |
| 52-Week HighHighest price in past year | $2.10 | $176.68 |
| 52-Week LowLowest price in past year | $0.83 | $79.41 |
| % of 52W HighCurrent price vs 52-week peak | +67.9% | +78.7% |
| RSI (14)Momentum oscillator 0–100 | 49.3 | 46.6 |
| Avg Volume (50D)Average daily shares traded | 16K | 275K |
Analyst Outlook
| Metric | AHGAkso Health Group | ENVAEnova Internation… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $193.00 |
| # AnalystsCovering analysts | — | 10 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 100 | 35 | -65.0% |
| Enova International… (ENVA) | 100 | 881.24 | +781.2% |
Enova International… (ENVA) returned +341% over 5 years vs Akso Health Group (AHG)'s -26%. A $10,000 investment in ENVA 5 years ago would be worth $44,143 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | $12M | $15M | +24.2% |
| Enova International… (ENVA) | $746M | $3.2B | +322.7% |
Akso Health Group's revenue grew from $12M (2016) to $15M (2025) — a 2.4% CAGR. Enova International, Inc.'s revenue grew from $746M (2016) to $3.2B (2025) — a 17.4% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 29.7% | -9.1% | -130.7% |
| Enova International… (ENVA) | 4.6% | 9.8% | +110.8% |
Akso Health Group's net margin went from 30% (2016) to -9% (2025). Enova International, Inc.'s net margin went from 5% (2016) to 10% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 61.4 | 9.1 | -85.2% |
| Enova International… (ENVA) | 17.7 | 13.6 | -23.2% |
Akso Health Group has traded in a 2x–61x P/E range over 3 years; current trailing P/E is ~-3x. Enova International, Inc. has traded in a 2x–18x P/E range over 9 years; current trailing P/E is ~12x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Akso Health Group (AHG) | 0.66 | -0.48 | -172.7% |
| Enova International… (ENVA) | 1.03 | 11.58 | +1024.3% |
Akso Health Group's EPS grew from $0.66 (2016) to $-0.48 (2025) — a NaN% CAGR. Enova International, Inc.'s EPS grew from $1.03 (2016) to $11.58 (2025) — a 31% CAGR.
Chart 6Free Cash Flow — 5 Years
Akso Health Group generated $1M FCF in 2025 (-90% vs 2021). Enova International, Inc. generated $2B FCF in 2025 (+301% vs 2021).
AHG vs ENVA: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is AHG or ENVA a better buy right now?
Enova International, Inc. (ENVA) offers the better valuation at 12.0x trailing P/E (9.0x 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 — AHG or ENVA?
On forward P/E, Akso Health Group is actually cheaper at 0.4x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — AHG or ENVA?
Over the past 5 years, Enova International, Inc. (ENVA) delivered a total return of +341.4%, compared to -26.2% for Akso Health Group (AHG). A $10,000 investment in ENVA five years ago would be worth approximately $44K today (assuming dividends reinvested). Over 10 years, the gap is even starker: ENVA returned +23.1% versus AHG's -97.7%. 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 — AHG or ENVA?
By beta (market sensitivity over 5 years), Akso Health Group (AHG) is the lower-risk stock at 0.80β versus Enova International, Inc.'s 1.38β — meaning ENVA is approximately 74% more volatile than AHG relative to the S&P 500. On balance sheet safety, Akso Health Group (AHG) carries a lower debt/equity ratio of 0% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — AHG or ENVA?
Enova International, Inc. (ENVA) is the more profitable company, earning 9.8% net margin versus -913.4% for Akso Health Group — meaning it keeps 9.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ENVA leads at 23.5% versus -1125.4% for AHG. At the gross margin level — before operating expenses — ENVA leads at 50.1%, 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.
06Is AHG or ENVA more undervalued right now?
On forward earnings alone, Akso Health Group (AHG) trades at 0.4x forward P/E versus 9.0x for Enova International, Inc. — 8.6x cheaper on a one-year earnings basis.
07Which pays a better dividend — AHG or ENVA?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
08Is AHG or ENVA better for a retirement portfolio?
For long-horizon retirement investors, Akso Health Group (AHG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.80)). Both have compounded well over 10 years (AHG: -97.7%, ENVA: +23.1%), 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.
09What are the main differences between AHG 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. In terms of investment character: AHG is a small-cap quality compounder stock; ENVA is a small-cap deep-value stock. 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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