ENVA vs QCRH

For growth investors, Enova International, Inc.

(ENVA) is the stronger pick with 18. 6% revenue growth year-over-year, versus 1. 5% for QCR Holdings, Inc. (QCRH). QCR Holdings, Inc. (QCRH) offers the better valuation at 12. 2x trailing P/E (11. 3x 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.

On trailing P/E, QCR Holdings, Inc.

(QCRH) is the cheapest at 12. 2x versus Enova International, Inc. at 14. 9x. On forward P/E, Enova International, Inc. is actually cheaper at 10. 5x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Enova International, Inc.

(ENVA) delivered a total return of +388. 0%, compared to +92. 5% for QCR Holdings, Inc. (QCRH). Over 10 years, the gap is even starker: ENVA returned +20. 1% versus QCRH's +263. 3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), QCR Holdings, Inc.

(QCRH) is the lower-risk stock at 0. 95β versus Enova International, Inc. 's 1. 48β — meaning ENVA is approximately 55% more volatile than QCRH relative to the S&P 500. On balance sheet safety, QCR Holdings, Inc. (QCRH) carries a lower debt/equity ratio of 56% versus 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Enova International, Inc.

(ENVA) is pulling ahead at 18. 6% versus 1. 5% for QCR Holdings, Inc. (QCRH). On earnings-per-share growth, the picture is similar: Enova International, Inc. grew EPS 55. 9% year-over-year, compared to 12. 1% for QCR Holdings, Inc.. 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.

QCR Holdings, Inc.

(QCRH) is the more profitable company, earning 21. 3% net margin versus 9. 8% for Enova International, Inc. — meaning it keeps 21. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: ENVA leads at 23. 5% versus 22. 8% for QCRH. At the gross margin level — before operating expenses — QCRH leads at 57. 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.

On forward earnings alone, Enova International, Inc.

(ENVA) trades at 10. 5x forward P/E versus 11. 3x for QCR Holdings, Inc. — 0. 8x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ENVA: 15. 6% to $199. 50.

In this comparison, QCRH (0.

3% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, QCR Holdings, Inc.

(QCRH) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 95), +263. 3% 10Y return). Both have compounded well over 10 years (QCRH: +263. 3%, 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.

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: ENVA is a small-cap high-growth stock; QCRH 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.