GROW
U.S. Global Investors, Inc.
Asset Management - Global
Market Cap$35M
5Y Perf.+25.4%
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Stock Comparison
GROW vs MFIN vs ENVA vs DHIL
Revenue, margins, valuation, and 5-year total return — side by side.
MFIN
Medallion Financial Corp.
Financial - Credit Services
Market Cap$221M
5Y Perf.+303.9%
ENVA
Enova International, Inc.
Financial - Credit Services
Market Cap$4.30B
5Y Perf.+1119.6%
DHIL
Diamond Hill Investment Group, Inc.
Asset Management
Market Cap$473M
5Y Perf.+64.0%
GROW vs MFIN vs ENVA vs DHIL — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | GROW | MFIN | ENVA | DHIL |
|---|---|---|---|---|
| Industry | Asset Management - Global | Financial - Credit Services | Financial - Credit Services | Asset Management |
| Market Cap | $35M | $221M | $4.30B | $473M |
| Revenue (TTM) | $8M | $353M | $3.15B | $158M |
| Net Income (TTM) | $98K | $47M | $327M | $49M |
| Gross Margin | 41.7% | 96.7% | 50.1% | 96.0% |
| Operating Margin | -35.3% | 50.5% | 23.5% | 38.4% |
| Forward P/E | — | 7.8x | 10.5x | 9.5x |
| Total Debt | $83K | $316M | $4.56B | $6.40B |
| Cash & Equiv. | $25M | $202M | $72M | $42M |
GROW vs MFIN vs ENVA vs DHIL — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
GROW
MFIN
ENVA
DHIL
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| U.S. Global Investo… (GROW) | 100 | 125.4 | +25.4% |
| Medallion Financial… (MFIN) | 100 | 403.9 | +303.9% |
| Enova International… (ENVA) | 100 | 1219.6 | +1119.6% |
| Diamond Hill Invest… (DHIL) | 100 | 164.0 | +64.0% |
Price return only. Dividends and distributions are not included.
Quick Verdict: GROW vs MFIN vs ENVA vs DHIL
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: ENVA leads in 3 of 7 categories, making it the strongest pick for profitability and margin quality and recent price momentum and sentiment. Medallion Financial Corp. is the stronger pick specifically for growth and revenue expansion and valuation and capital efficiency. DHIL also leads in specific categories worth noting. As sector peers, any of these can serve as alternatives in the same allocation.
GROW
U.S. Global Investors, Inc.
The Financial Play
GROW lags the leaders in this set but could rank higher in a more targeted comparison.
Best for: financial services exposure
MFIN
Medallion Financial Corp.
The Banking Pick
MFIN is the #2 pick in this set and the best alternative if growth exposure and bank quality is your priority.
- Rev growth 21.1%, EPS growth 17.1%
- NIM 7.3% vs DHIL's 0.7%
- 21.1% NII/revenue growth vs GROW's -23.1%
- Lower P/E (7.8x vs 9.5x)
Best for: growth exposure and bank quality
ENVA
Enova International, Inc.
The Banking Pick
ENVA carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 20.1% 10Y total return vs GROW's 64.9%
- Efficiency ratio 0.3% vs GROW's 0.8% (lower = leaner)
- +86.5% vs MFIN's +8.3%
- Efficiency ratio 0.3% vs GROW's 0.8%
Best for: long-term compounding
DHIL
Diamond Hill Investment Group, Inc.
The Banking Pick
DHIL is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.57, yield 5.7%
- Lower volatility, beta 0.57, current ratio 75115.85x
- Beta 0.57, yield 5.7%, current ratio 75115.85x
- Beta 0.57 vs ENVA's 1.48
Best for: income & stability and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MFIN | 21.1% NII/revenue growth vs GROW's -23.1% |
| Value | MFIN | Lower P/E (7.8x vs 9.5x) |
| Quality / Margins | ENVA | Efficiency ratio 0.3% vs GROW's 0.8% (lower = leaner) |
| Stability / Safety | DHIL | Beta 0.57 vs ENVA's 1.48 |
| Dividends | DHIL | 5.7% yield, 1-year raise streak, vs MFIN's 4.8%, (1 stock pays no dividend) |
| Momentum (1Y) | ENVA | +86.5% vs MFIN's +8.3% |
| Efficiency (ROA) | ENVA | Efficiency ratio 0.3% vs GROW's 0.8% |
GROW vs MFIN vs ENVA vs DHIL — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
Segment breakdown not available.
Segment breakdown not available.
FY 2025
GROW vs MFIN vs ENVA vs DHIL — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLGROWLAGGINGDHIL
Who Leads Where
MFIN leads in 1 of 6 categories
GROW leads 1 • ENVA leads 1 • DHIL leads 1 • 2 tied
Explore the data ↓DHILDiamond Hill Investme…
1leads
ENVAEnova International, …
1leads
MFINMedallion Financial C…
1leads
GROWU.S. Global Investors…
1leads
6 Total Categories
CATEGORYLEADERvs MFINvs ENVAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
Tied
—
Valuation MetricsMultiples, price ratios, and targets
MFIN5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
GROW4/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ENVA5/6
Risk & VolatilityBeta, volatility, and downside exposure
DHIL2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
Evenly matched — MFIN and ENVA each lead in 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ENVA is the larger business by revenue, generating $3.2B annually — 372.9x GROW's $8M. DHIL is the more profitable business, keeping 30.9% of every revenue dollar as net income compared to GROW's -4.0%.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $8M | $353M | $3.2B | $158M |
| EBITDAEarnings before interest/tax | -$2M | $111M | $815M | $62M |
| Net IncomeAfter-tax profit | $98,000 | $47M | $327M | $49M |
| Free Cash FlowCash after capex | -$235,000 | $126M | $1.9B | $44.5B |
| Gross MarginGross profit ÷ Revenue | +41.7% | +96.7% | +50.1% | +96.0% |
| Operating MarginEBIT ÷ Revenue | -35.3% | +50.5% | +23.5% | +38.4% |
| Net MarginNet income ÷ Revenue | -4.0% | +12.2% | +9.8% | +30.9% |
| FCF MarginFCF ÷ Revenue | -9.8% | +35.7% | +56.2% | -57.4% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | — | +16.3% | +28.6% | +25.3% |
Evenly matched — MFIN and ENVA each lead in 2 of 5 comparable metrics.
Valuation Metrics
MFIN leads this category, winning 5 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 DHIL's 110.4x.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| Market CapShares × price | $35M | $221M | $4.3B | $473M |
| Enterprise ValueMkt cap + debt − cash | $10M | $336M | $8.8B | $6.8B |
| Trailing P/EPrice ÷ TTM EPS | -104.80x | 5.29x | 14.90x | 9.77x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 7.84x | 10.50x | 9.48x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 1.18x |
| EV / EBITDAEnterprise value multiple | — | 1.89x | 11.26x | 110.39x |
| Price / SalesMarket cap ÷ Revenue | 4.14x | 0.63x | 1.37x | 3.00x |
| Price / BookPrice ÷ Book value/share | 0.77x | 0.45x | 3.40x | 2.70x |
| Price / FCFMarket cap ÷ FCF | — | 1.75x | 2.43x | — |
MFIN leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
GROW leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
DHIL delivers a 27.0% return on equity — every $100 of shareholder capital generates $27 in annual profit, vs $0 for GROW. GROW carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to DHIL's 36.26x. On the Piotroski fundamental quality scale (0–9), MFIN scores 7/9 vs GROW's 2/9, reflecting strong financial health.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +0.2% | +9.4% | +24.9% | +27.0% |
| ROA (TTM)Return on assets | +0.2% | +1.6% | +5.2% | +19.5% |
| ROICReturn on invested capital | -4.7% | +17.2% | +10.4% | +1.3% |
| ROCEReturn on capital employed | -6.2% | +10.0% | +13.5% | +26.0% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 7 | 6 | 6 |
| Debt / EquityFinancial leverage | 0.00x | 0.62x | 3.41x | 36.26x |
| Net DebtTotal debt minus cash | -$24M | $115M | $4.5B | $6.4B |
| Cash & Equiv.Liquid assets | $25M | $202M | $72M | $42M |
| Total DebtShort + long-term debt | $83,000 | $316M | $4.6B | $6.4B |
| Interest CoverageEBIT ÷ Interest expense | 600.00x | 1.07x | 79.01x | — |
GROW leads this category, winning 4 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ENVA leads this category, winning 5 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 $4,258 for GROW. 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 GROW's 1.1% — a key indicator of consistent wealth creation.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +7.7% | -6.4% | +6.6% | +2.8% |
| 1-Year ReturnPast 12 months | +29.0% | +8.3% | +86.5% | +35.2% |
| 3-Year ReturnCumulative with dividends | +3.3% | +56.7% | +302.2% | +22.4% |
| 5-Year ReturnCumulative with dividends | -57.4% | +22.3% | +388.0% | +28.7% |
| 10-Year ReturnCumulative with dividends | +64.9% | +54.5% | +2009.7% | +52.8% |
| CAGR (3Y)Annualised 3-year return | +1.1% | +16.1% | +59.0% | +7.0% |
ENVA leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
DHIL leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
DHIL is the less volatile stock with a 0.57 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. DHIL currently trades 100.0% from its 52-week high vs GROW's 71.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.71x | 1.15x | 1.48x | 0.57x |
| 52-Week HighHighest price in past year | $3.65 | $11.00 | $176.68 | $175.03 |
| 52-Week LowLowest price in past year | $2.10 | $7.88 | $89.00 | $114.11 |
| % of 52W HighCurrent price vs 52-week peak | +71.8% | +85.5% | +97.7% | +100.0% |
| RSI (14)Momentum oscillator 0–100 | 45.3 | 51.8 | 62.6 | 70.5 |
| Avg Volume (50D)Average daily shares traded | 25K | 57K | 225K | 23K |
DHIL leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — MFIN and DHIL each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: MFIN as "Hold", ENVA as "Buy". For income investors, DHIL offers the higher dividend yield at 5.71% vs GROW's 3.46%.
| Metric | GROWU.S. Global Inves… | MFINMedallion Financi… | ENVAEnova Internation… | DHILDiamond Hill Inve… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Hold | Buy | — |
| Price TargetConsensus 12-month target | — | — | $199.50 | — |
| # AnalystsCovering analysts | — | 9 | 10 | — |
| Dividend YieldAnnual dividend ÷ price | +3.5% | +4.8% | — | +5.7% |
| Dividend StreakConsecutive years of raises | 1 | 4 | 1 | 1 |
| Dividend / ShareAnnual DPS | $0.09 | $0.45 | — | $9.98 |
| Buyback YieldShare repurchases ÷ mkt cap | +5.6% | +0.4% | +5.0% | +3.6% |
Evenly matched — MFIN and DHIL each lead in 1 of 2 comparable metrics.
Key Takeaway
MFIN leads in 1 of 6 categories (Valuation Metrics). GROW leads in 1 (Profitability & Efficiency). 2 tied.
Best OverallU.S. Global Investors, Inc. (GROW)Leads 1 of 6 categories
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GROW vs MFIN vs ENVA vs DHIL: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is GROW or MFIN or ENVA or DHIL 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 -23. 1% for U. S. Global Investors, Inc. (GROW). 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 — GROW or MFIN or ENVA or DHIL?
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 — GROW or MFIN or ENVA or DHIL?
Over the past 5 years, Enova International, Inc.
(ENVA) delivered a total return of +388. 0%, compared to -57. 4% for U. S. Global Investors, Inc. (GROW). Over 10 years, the gap is even starker: ENVA returned +20. 1% versus DHIL's +52. 8%. 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 — GROW or MFIN or ENVA or DHIL?
By beta (market sensitivity over 5 years), Diamond Hill Investment Group, Inc.
(DHIL) is the lower-risk stock at 0. 57β versus Enova International, Inc. 's 1. 48β — meaning ENVA is approximately 158% more volatile than DHIL relative to the S&P 500. On balance sheet safety, U. S. Global Investors, Inc. (GROW) carries a lower debt/equity ratio of 0% versus 36% for Diamond Hill Investment Group, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — GROW or MFIN or ENVA or DHIL?
By revenue growth (latest reported year), Medallion Financial Corp.
(MFIN) is pulling ahead at 21. 1% versus -23. 1% for U. S. Global Investors, Inc. (GROW). On earnings-per-share growth, the picture is similar: Enova International, Inc. grew EPS 55. 9% year-over-year, compared to -126. 6% for U. S. Global Investors, 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.
06Which has better profit margins — GROW or MFIN or ENVA or DHIL?
Diamond Hill Investment Group, Inc.
(DHIL) is the more profitable company, earning 30. 9% net margin versus -4. 0% for U. S. Global Investors, Inc. — meaning it keeps 30. 9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFIN leads at 50. 5% versus -35. 3% for GROW. 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 GROW or MFIN or ENVA or DHIL 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 — GROW or MFIN or ENVA or DHIL?
In this comparison, DHIL (5.
7% yield), MFIN (4. 8% yield), GROW (3. 5% yield) pay a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
09Is GROW or MFIN or ENVA or DHIL better for a retirement portfolio?
For long-horizon retirement investors, Diamond Hill Investment Group, Inc.
(DHIL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 57), 5. 7% yield). Both have compounded well over 10 years (DHIL: +52. 8%, 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 GROW and MFIN and ENVA and DHIL?
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: GROW is a small-cap income-oriented stock; MFIN is a small-cap high-growth stock; ENVA is a small-cap high-growth stock; DHIL is a small-cap deep-value stock. GROW, MFIN, DHIL pay 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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