ENVA
Enova International, Inc.
Financial - Credit Services
Market Cap$4.30B
5Y Perf.+1119.6%
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Stock Comparison
ENVA vs RM
Revenue, margins, valuation, and 5-year total return — side by side.
RM
Regional Management Corp.
Financial - Credit Services
Market Cap$329M
5Y Perf.+120.5%
ENVA vs RM — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ENVA | RM |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Credit Services |
| Market Cap | $4.30B | $329M |
| Revenue (TTM) | $3.15B | $646M |
| Net Income (TTM) | $327M | $49M |
| Gross Margin | 50.1% | 52.3% |
| Operating Margin | 23.5% | 12.4% |
| Forward P/E | 10.5x | 6.3x |
| Total Debt | $4.56B | $1.73B |
| Cash & Equiv. | $72M | $98M |
ENVA vs RM — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
ENVA
RM
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Enova International… (ENVA) | 100 | 1219.6 | +1119.6% |
| Regional Management… (RM) | 100 | 220.5 | +120.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: ENVA vs RM
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ENVA leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Regional Management Corp. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
ENVA
Enova International, Inc.
The Banking Pick
ENVA carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.48
- Rev growth 18.6%, EPS growth 55.9%
- 20.1% 10Y total return vs RM's 161.7%
Best for: income & stability and growth exposure
RM
Regional Management Corp.
The Banking Pick
RM is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 1.40, current ratio 8.39x
- Beta 1.40, yield 3.3%, current ratio 8.39x
- Lower P/E (6.3x vs 10.5x)
Best for: sleep-well-at-night and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | ENVA | 18.6% NII/revenue growth vs RM's 9.7% |
| Value | RM | Lower P/E (6.3x vs 10.5x) |
| Quality / Margins | ENVA | Efficiency ratio 0.3% vs RM's 0.4% (lower = leaner) |
| Stability / Safety | RM | Beta 1.40 vs ENVA's 1.48 |
| Dividends | RM | 3.3% yield; the other pay no meaningful dividend |
| Momentum (1Y) | ENVA | +86.5% vs RM's +27.2% |
| Efficiency (ROA) | ENVA | Efficiency ratio 0.3% vs RM's 0.4% |
ENVA vs RM — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLENVALAGGINGRM
RMRegional Management C…
1leads
ENVAEnova International, …
4leads
6 Total Categories
CATEGORYLEADERvs RMMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
ENVA3/5
Valuation MetricsMultiples, price ratios, and targets
RM5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
ENVA6/8
Total Returns1Y, 3Y, 5Y total returns with dividends
ENVA6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
ENVA1/1
Income & Cash Flow (Last 12 Months)
ENVA 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 — 4.9x RM's $646M. Profitability is closely matched — net margins range from 9.8% (ENVA) to 6.9% (RM).
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| RevenueTrailing 12 months | $3.2B | $646M |
| EBITDAEarnings before interest/tax | $815M | $117M |
| Net IncomeAfter-tax profit | $327M | $49M |
| Free Cash FlowCash after capex | $1.9B | $316M |
| Gross MarginGross profit ÷ Revenue | +50.1% | +52.3% |
| Operating MarginEBIT ÷ Revenue | +23.5% | +12.4% |
| Net MarginNet income ÷ Revenue | +9.8% | +6.9% |
| FCF MarginFCF ÷ Revenue | +56.2% | +47.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +28.6% | +68.6% |
ENVA leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
RM leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 7.9x trailing earnings, RM trades at a 47% valuation discount to ENVA's 14.9x P/E. On an enterprise value basis, ENVA's 11.3x EV/EBITDA is more attractive than RM's 21.3x.
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| Market CapShares × price | $4.3B | $329M |
| Enterprise ValueMkt cap + debt − cash | $8.8B | $2.0B |
| Trailing P/EPrice ÷ TTM EPS | 14.90x | 7.86x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.50x | 6.28x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.60x |
| EV / EBITDAEnterprise value multiple | 11.26x | 21.34x |
| Price / SalesMarket cap ÷ Revenue | 1.37x | 0.51x |
| Price / BookPrice ÷ Book value/share | 3.40x | 0.93x |
| Price / FCFMarket cap ÷ FCF | 2.43x | 1.08x |
RM leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
ENVA leads this category, winning 6 of 8 comparable metrics.
Profitability & Efficiency
ENVA delivers a 24.9% return on equity — every $100 of shareholder capital generates $25 in annual profit, vs $13 for RM. ENVA carries lower financial leverage with a 3.41x debt-to-equity ratio, signaling a more conservative balance sheet compared to RM's 4.65x.
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| ROE (TTM)Return on equity | +24.9% | +13.2% |
| ROA (TTM)Return on assets | +5.2% | +2.4% |
| ROICReturn on invested capital | +10.4% | +3.0% |
| ROCEReturn on capital employed | +13.5% | +4.5% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 6 |
| Debt / EquityFinancial leverage | 3.41x | 4.65x |
| Net DebtTotal debt minus cash | $4.5B | $1.6B |
| Cash & Equiv.Liquid assets | $72M | $98M |
| Total DebtShort + long-term debt | $4.6B | $1.7B |
| Interest CoverageEBIT ÷ Interest expense | 79.01x | 1.24x |
ENVA leads this category, winning 6 of 8 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 $9,611 for RM. Over the past 12 months, ENVA leads with a +86.5% total return vs RM's +27.2%. The 3-year compound annual growth rate (CAGR) favors ENVA at 59.0% vs RM's 13.1% — a key indicator of consistent wealth creation.
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| YTD ReturnYear-to-date | +6.6% | -10.1% |
| 1-Year ReturnPast 12 months | +86.5% | +27.2% |
| 3-Year ReturnCumulative with dividends | +302.2% | +44.5% |
| 5-Year ReturnCumulative with dividends | +388.0% | -3.9% |
| 10-Year ReturnCumulative with dividends | +2009.7% | +161.7% |
| CAGR (3Y)Annualised 3-year return | +59.0% | +13.1% |
ENVA leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ENVA and RM each lead in 1 of 2 comparable metrics.
Risk & Volatility
RM is the less volatile stock with a 1.40 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 RM's 76.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.48x | 1.40x |
| 52-Week HighHighest price in past year | $176.68 | $46.00 |
| 52-Week LowLowest price in past year | $89.00 | $26.06 |
| % of 52W HighCurrent price vs 52-week peak | +97.7% | +76.0% |
| RSI (14)Momentum oscillator 0–100 | 62.6 | 42.7 |
| Avg Volume (50D)Average daily shares traded | 225K | 56K |
Evenly matched — ENVA and RM each lead in 1 of 2 comparable metrics.
Analyst Outlook
ENVA leads this category, winning 1 of 1 comparable metric.
Analyst Outlook
Wall Street rates ENVA as "Buy" and RM as "Hold". RM is the only dividend payer here at 3.31% yield — a key consideration for income-focused portfolios.
| Metric | ENVAEnova Internation… | RMRegional Manageme… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $199.50 | — |
| # AnalystsCovering analysts | 10 | 15 |
| Dividend YieldAnnual dividend ÷ price | — | +3.3% |
| Dividend StreakConsecutive years of raises | 1 | 0 |
| Dividend / ShareAnnual DPS | — | $1.16 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.0% | +7.3% |
ENVA leads this category, winning 1 of 1 comparable metric.
Key Takeaway
ENVA leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). RM leads in 1 (Valuation Metrics). 1 tied.
Best OverallEnova International, Inc. (ENVA)Leads 4 of 6 categories
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ENVA vs RM: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is ENVA or RM a better buy right now?
For growth investors, Enova International, Inc.
(ENVA) is the stronger pick with 18. 6% revenue growth year-over-year, versus 9. 7% for Regional Management Corp. (RM). Regional Management Corp. (RM) offers the better valuation at 7. 9x trailing P/E (6. 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.
02Which has the better valuation — ENVA or RM?
On trailing P/E, Regional Management Corp.
(RM) is the cheapest at 7. 9x versus Enova International, Inc. at 14. 9x. On forward P/E, Regional Management Corp. is actually cheaper at 6. 3x.
03Which is the better long-term investment — ENVA or RM?
Over the past 5 years, Enova International, Inc.
(ENVA) delivered a total return of +388. 0%, compared to -3. 9% for Regional Management Corp. (RM). Over 10 years, the gap is even starker: ENVA returned +20. 1% versus RM's +161. 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 — ENVA or RM?
By beta (market sensitivity over 5 years), Regional Management Corp.
(RM) is the lower-risk stock at 1. 40β versus Enova International, Inc. 's 1. 48β — meaning ENVA is approximately 6% more volatile than RM relative to the S&P 500. On balance sheet safety, Enova International, Inc. (ENVA) carries a lower debt/equity ratio of 3% versus 5% for Regional Management Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — ENVA or RM?
By revenue growth (latest reported year), Enova International, Inc.
(ENVA) is pulling ahead at 18. 6% versus 9. 7% for Regional Management Corp. (RM). On earnings-per-share growth, the picture is similar: Enova International, Inc. grew EPS 55. 9% year-over-year, compared to 7. 5% for Regional Management 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 — ENVA or RM?
Enova International, Inc.
(ENVA) is the more profitable company, earning 9. 8% net margin versus 6. 9% for Regional Management Corp. — 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 12. 4% for RM. At the gross margin level — before operating expenses — RM leads at 52. 3%, 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 ENVA or RM more undervalued right now?
On forward earnings alone, Regional Management Corp.
(RM) trades at 6. 3x forward P/E versus 10. 5x for Enova International, Inc. — 4. 2x cheaper on a one-year earnings basis.
08Which pays a better dividend — ENVA or RM?
In this comparison, RM (3.
3% yield) pays a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
09Is ENVA or RM better for a retirement portfolio?
For long-horizon retirement investors, Regional Management Corp.
(RM) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (3. 3% yield, +161. 7% 10Y return). Both have compounded well over 10 years (RM: +161. 7%, 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 ENVA and RM?
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; RM is a small-cap deep-value stock. RM 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>
%
(ENVA: 18.6% · RM: 9.7%)Net Margin>
%
(ENVA: 9.8% · RM: 6.9%)P/E Ratio<
x
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