MOGO vs DAVE vs MFIN vs ATLC vs ENVA

For growth investors, Atlanticus Holdings Corporation (ATLC) is the stronger pick with 53.

3% revenue growth year-over-year, versus 9. 2% for Mogo Inc. (MOGO). Medallion Financial Corp. (MFIN) offers the better valuation at 5. 4x trailing P/E (8. 0x forward), making it the more compelling value choice. Analysts rate Dave Inc. (DAVE) a "Buy" — based on 11 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, Medallion Financial Corp.

(MFIN) is the cheapest at 5. 4x versus Dave Inc. at 18. 4x. On forward P/E, Medallion Financial Corp. is actually cheaper at 8. 0x.

Over the past 5 years, Enova International, Inc.

(ENVA) delivered a total return of +368. 1%, compared to -95. 7% for Mogo Inc. (MOGO). Over 10 years, the gap is even starker: ATLC returned +25. 1% versus MOGO's -83. 0%. 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), Medallion Financial Corp.

(MFIN) is the lower-risk stock at 1. 15β versus Dave Inc. 's 2. 69β — meaning DAVE is approximately 134% more volatile than MFIN relative to the S&P 500. On balance sheet safety, Dave Inc. (DAVE) carries a lower debt/equity ratio of 21% versus 11% for Atlanticus Holdings Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Atlanticus Holdings Corporation (ATLC) is pulling ahead at 53.

3% versus 9. 2% for Mogo Inc. (MOGO). On earnings-per-share growth, the picture is similar: Dave Inc. grew EPS 222. 9% year-over-year, compared to 17. 1% for Medallion Financial Corp.. Over a 3-year CAGR, DAVE leads at 35. 7% annualised revenue growth. 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.

Dave Inc.

(DAVE) is the more profitable company, earning 38. 3% net margin versus -19. 2% for Mogo Inc. — meaning it keeps 38. 3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MFIN leads at 50. 5% versus -5. 2% for MOGO. 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.

On forward earnings alone, Medallion Financial Corp.

(MFIN) trades at 8. 0x forward P/E versus 19. 1x for Dave Inc. — 11. 1x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for DAVE: 24. 1% to $309. 25.

In this comparison, MFIN (4.

7% yield), ATLC (0. 8% yield) pay a dividend. MOGO, DAVE, ENVA do not pay a meaningful dividend and should not be held primarily for income.

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. 7% yield). Dave Inc. (DAVE) carries a higher beta of 2. 69 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MFIN: +60. 3%, DAVE: -20. 5%), 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.

These companies operate in different sectors (MOGO (Technology) and DAVE (Technology) and MFIN (Financial Services) and ATLC (Financial Services) and ENVA (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.

In terms of investment character: MOGO is a small-cap quality compounder stock; DAVE is a small-cap high-growth stock; MFIN is a small-cap high-growth stock; ATLC is a small-cap high-growth stock; ENVA is a small-cap high-growth stock. MFIN, ATLC pay a dividend while MOGO, DAVE, ENVA do 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.