MOGO vs MFIN vs ATLC vs ENVA vs CACC

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

3% revenue growth year-over-year, versus 8. 6% for Credit Acceptance Corporation (CACC). 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 Atlanticus Holdings Corporation (ATLC) a "Buy" — based on 6 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 Enova International, Inc. at 14. 9x. On forward P/E, Medallion Financial Corp. is actually cheaper at 8. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Atlanticus Holdings Corporation wins at 1. 01x versus Credit Acceptance Corporation's 1. 15x — a reasonable growth-adjusted valuation.

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 Mogo Inc. 's 1. 88β — meaning MOGO is approximately 64% more volatile than MFIN relative to the S&P 500. On balance sheet safety, Medallion Financial Corp. (MFIN) carries a lower debt/equity ratio of 62% 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 8. 6% for Credit Acceptance Corporation (CACC). On earnings-per-share growth, the picture is similar: Credit Acceptance Corporation grew EPS 88. 9% year-over-year, compared to 17. 1% for Medallion Financial 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.

Credit Acceptance Corporation (CACC) is the more profitable company, earning 18.

3% net margin versus -19. 2% for Mogo Inc. — meaning it keeps 18. 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 — CACC leads at 98. 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.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Atlanticus Holdings Corporation (ATLC) is the more undervalued stock at a PEG of 1. 01x versus Credit Acceptance Corporation's 1. 15x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Medallion Financial Corp. (MFIN) trades at 8. 0x forward P/E versus 11. 3x for Credit Acceptance Corporation — 3. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ENVA: 15. 7% to $199. 50.

In this comparison, MFIN (4.

7% yield), ATLC (0. 8% yield) pay a dividend. MOGO, ENVA, CACC 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). Mogo Inc. (MOGO) carries a higher beta of 1. 88 — 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%, MOGO: -83. 0%), 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 MFIN (Financial Services) and ATLC (Financial Services) and ENVA (Financial Services) and CACC (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; MFIN is a small-cap high-growth stock; ATLC is a small-cap high-growth stock; ENVA is a small-cap high-growth stock; CACC is a small-cap deep-value stock. MFIN, ATLC pay a dividend while MOGO, ENVA, CACC 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.