SII
Sprott Inc.
Asset Management
Market Cap$3.06B
5Y Perf.+229.1%
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Side-by-side financial analysisSII
MFIN
ENVA
GROW
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Stock Comparison
SII vs MFIN vs ENVA vs GROW
Revenue, margins, valuation, and 5-year total return — side by side.
MFIN
Medallion Financial Corp.
Financial - Credit Services
Market Cap$231M
5Y Perf.+270.2%
ENVA
Enova International, Inc.
Financial - Credit Services
Market Cap$4.72B
5Y Perf.+1173.2%
GROW
U.S. Global Investors, Inc.
Asset Management
Market Cap$38M
5Y Perf.+55.8%
SII vs MFIN vs ENVA vs GROW — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  SII |  MFIN |  ENVA |  GROW |
|---|---|---|---|---|
| Industry | Asset Management | Financial - Credit Services | Financial - Credit Services | Asset Management |
| Market Cap | $3.06B | $231M | $4.72B | $38M |
| Revenue (TTM) | $386M | $340M | $3.28B | $11M |
| Net Income (TTM) | $84M | $47M | $327M | $3M |
| Gross Margin | 83.4% | 59.3% | 37.6% | 64.9% |
| Operating Margin | 30.5% | 30.9% | 23.6% | -1.4% |
| Forward P/E | 25.3x | 8.8x | 11.5x | — |
| Total Debt | $0.00 | $316M | $4.56B | $83K |
| Cash & Equiv. | $118M | $202M | $72M | $25M |
SII vs MFIN vs ENVA vs GROW — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SII
MFIN
ENVA
GROW
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Sprott Inc. (SII) | 100 | 329.1 | +229.1% |
| Medallion Financial… (MFIN) | 100 | 370.2 | +270.2% |
| Enova International… (ENVA) | 100 | 1273.2 | +1173.2% |
| U.S. Global Investo… (GROW) | 100 | 155.8 | +55.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SII vs MFIN vs ENVA vs GROW
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 valuation and capital efficiency and dividend income and shareholder returns. SII and GROW also each lead in at least one category. As sector peers, any of these can serve as alternatives in the same allocation.
🥇ENVA emerged as the overall leader. Track its performance:
SII
Sprott Inc.
The Banking Pick
SII is the clearest fit if your priority is growth exposure.
- Rev growth 75.2%, EPS growth 38.7%
- 75.2% NII/revenue growth vs GROW's -23.1%
Best for: growth exposure
MFIN
Medallion Financial Corp.
The Banking Pick
MFIN is the #2 pick in this set and the best alternative if income & stability and defensive is your priority.
- Dividend streak 3 yrs, beta 1.12, yield 4.6%
- Beta 1.12, yield 4.6%, current ratio 27.10x
- NIM 7.3% vs SII's 1.1%
- Better valuation composite
Best for: income & stability and defensive
ENVA
Enova International, Inc.
The Banking Pick
ENVA carries the broadest edge in this set and is the clearest fit for long-term compounding.
- 24.2% 10Y total return vs SII's 5.6%
- Efficiency ratio 0.3% vs GROW's 0.8% (lower = leaner)
- +99.5% vs MFIN's +8.6%
- Efficiency ratio 0.3% vs GROW's 0.8%
Best for: long-term compounding
GROW
U.S. Global Investors, Inc.
The Banking Pick
GROW is the clearest fit if your priority is sleep-well-at-night.
- Lower volatility, beta 0.77, Low D/E 0.2%, current ratio 20.87x
- Beta 0.77 vs SII's 1.51
Best for: sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  SII | 75.2% NII/revenue growth vs GROW's -23.1% |
| Value |  MFIN | Better valuation composite |
| Quality / Margins |  ENVA | Efficiency ratio 0.3% vs GROW's 0.8% (lower = leaner) |
| Stability / Safety |  GROW | Beta 0.77 vs SII's 1.51 |
| Dividends | MFIN | 4.6% yield, 3-year raise streak, vs GROW's 3.1%, (1 stock pays no dividend) |
| Momentum (1Y) | ENVA | +99.5% vs MFIN's +8.6% |
| Efficiency (ROA) | ENVA | Efficiency ratio 0.3% vs GROW's 0.8% |
SII vs MFIN vs ENVA vs GROW — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
Segment breakdown not available.
FY 2025
SII vs MFIN vs ENVA vs GROW — Financial Metrics
Side-by-side numbers across 4 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMFINLAGGINGGROW
Who Leads Where
MFIN leads in 2 of 6 categories
GROW leads 1 • SII leads 1 • ENVA leads 1 • 1 tied
Explore the data ↓GROWU.S. Global Investors…
1leads
ENVAEnova International, …
1leads
SIISprott Inc.
1leads
MFINMedallion Financial C…
2leads
6 Total Categories
CATEGORYLEADERvs SIIvs ENVAMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
GROW2/5
Valuation MetricsMultiples, price ratios, and targets
MFIN5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
SII6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
ENVA3/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
MFIN2/2
Income & Cash Flow (Last 12 Months)
GROW leads this category, winning 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
ENVA is the larger business by revenue, generating $3.3B annually — 302.9x GROW's $11M. GROW is the more profitable business, keeping 29.1% of every revenue dollar as net income compared to ENVA's 10.0%.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| RevenueTrailing 12 months | $386M | $340M | $3.3B | $11M |
| EBITDAEarnings before interest/tax | $121M | $111M | $815M | -$111,000 |
| Net IncomeAfter-tax profit | $84M | $47M | $327M | $3M |
| Free Cash FlowCash after capex | $126M | $126M | $1.9B | $464,000 |
| Gross MarginGross profit ÷ Revenue | +83.4% | +59.3% | +37.6% | +64.9% |
| Operating MarginEBIT ÷ Revenue | +30.5% | +30.9% | +23.6% | -1.4% |
| Net MarginNet income ÷ Revenue | +21.9% | +13.7% | +10.0% | +29.1% |
| FCF MarginFCF ÷ Revenue | +32.6% | +37.2% | +56.6% | +4.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +143.5% | +16.3% | +28.6% | +8.8% |
GROW leads this category, winning 2 of 5 comparable metrics.
Valuation Metrics
MFIN leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 5.5x trailing earnings, MFIN trades at a 88% valuation discount to SII's 44.8x P/E. On an enterprise value basis, MFIN's 1.9x EV/EBITDA is more attractive than SII's 29.5x.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| Market CapShares × price | $3.1B | $231M | $4.7B | $38M |
| Enterprise ValueMkt cap + debt − cash | $2.9B | $346M | $9.2B | $13M |
| Trailing P/EPrice ÷ TTM EPS | 44.83x | 5.51x | 16.35x | -118.40x |
| Forward P/EPrice ÷ next-FY EPS est. | 25.29x | 8.80x | 11.51x | — |
| PEG RatioP/E ÷ EPS growth rate | 2.33x | — | — | — |
| EV / EBITDAEnterprise value multiple | 29.48x | 1.94x | 11.79x | — |
| Price / SalesMarket cap ÷ Revenue | 10.39x | 0.65x | 1.50x | 4.44x |
| Price / BookPrice ÷ Book value/share | 8.35x | 0.47x | 3.73x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 31.96x | 1.83x | 2.67x | — |
MFIN leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
SII leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
ENVA delivers a 24.9% return on equity — every $100 of shareholder capital generates $25 in annual profit, vs $7 for GROW. GROW carries lower financial leverage with a 0.00x debt-to-equity ratio, signaling a more conservative balance sheet compared to ENVA's 3.41x. On the Piotroski fundamental quality scale (0–9), SII scores 7/9 vs GROW's 2/9, reflecting strong financial health.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| ROE (TTM)Return on equity | +23.5% | +9.4% | +24.9% | +7.0% |
| ROA (TTM)Return on assets | +17.5% | +1.6% | +5.2% | +6.5% |
| ROICReturn on invested capital | +21.1% | +17.2% | +10.4% | -4.7% |
| ROCEReturn on capital employed | +24.8% | +10.0% | +13.5% | -6.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 | 6 | 2 |
| Debt / EquityFinancial leverage | — | 0.62x | 3.41x | 0.00x |
| Net DebtTotal debt minus cash | -$118M | $115M | $4.5B | -$24M |
| Cash & Equiv.Liquid assets | $118M | $202M | $72M | $25M |
| Total DebtShort + long-term debt | $0 | $316M | $4.6B | $83,000 |
| Interest CoverageEBIT ÷ Interest expense | 94.69x | 1.07x | 79.01x | 776.00x |
SII leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
ENVA leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in ENVA five years ago would be worth $54,017 today (with dividends reinvested), compared to $5,280 for GROW. Over the past 12 months, ENVA leads with a +99.5% total return vs MFIN's +8.6%. The 3-year compound annual growth rate (CAGR) favors SII at 54.8% vs GROW's 5.0% — a key indicator of consistent wealth creation.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| YTD ReturnYear-to-date | +18.1% | -1.1% | +16.9% | +21.8% |
| 1-Year ReturnPast 12 months | +89.8% | +8.6% | +99.5% | +28.2% |
| 3-Year ReturnCumulative with dividends | +271.1% | +44.5% | +267.9% | +15.9% |
| 5-Year ReturnCumulative with dividends | +192.1% | +25.5% | +440.2% | -47.2% |
| 10-Year ReturnCumulative with dividends | +555.3% | +65.9% | +2421.0% | +89.2% |
| CAGR (3Y)Annualised 3-year return | +54.8% | +13.1% | +54.4% | +5.0% |
ENVA leads this category, winning 3 of 6 comparable metrics.
Risk & Volatility
Evenly matched — ENVA and GROW each lead in 1 of 2 comparable metrics.
Risk & Volatility
GROW is the less volatile stock with a 0.77 beta — it tends to amplify market swings less than SII's 1.51 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. ENVA currently trades 97.8% from its 52-week high vs SII's 70.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.51x | 1.12x | 1.42x | 0.77x |
| 52-Week HighHighest price in past year | $169.63 | $11.00 | $193.54 | $3.65 |
| 52-Week LowLowest price in past year | $61.94 | $7.88 | $92.75 | $2.23 |
| % of 52W HighCurrent price vs 52-week peak | +70.0% | +89.2% | +97.8% | +81.1% |
| RSI (14)Momentum oscillator 0–100 | 36.0 | 57.4 | 72.9 | 67.1 |
| Avg Volume (50D)Average daily shares traded | 174K | 62K | 219K | 25K |
Evenly matched — ENVA and GROW each lead in 1 of 2 comparable metrics.
Analyst Outlook
MFIN leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: SII as "Buy", MFIN as "Hold", ENVA as "Buy". Consensus price targets imply 8.3% upside for ENVA (target: $205) vs 7.0% for MFIN (target: $11). For income investors, MFIN offers the higher dividend yield at 4.61% vs SII's 1.09%.
| Metric | SIISprott Inc. | MFINMedallion Financi… | ENVAEnova Internation… | GROWU.S. Global Inves… |
|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold | Buy | — |
| Price TargetConsensus 12-month target | — | $10.50 | $205.00 | — |
| # AnalystsCovering analysts | 1 | 9 | 10 | — |
| Dividend YieldAnnual dividend ÷ price | +1.1% | +4.6% | — | +3.1% |
| Dividend StreakConsecutive years of raises | 2 | 3 | 1 | 0 |
| Dividend / ShareAnnual DPS | $1.30 | $0.45 | — | $0.09 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.4% | +4.5% | +5.2% |
MFIN leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
MFIN leads in 2 of 6 categories (Valuation Metrics, Analyst Outlook). GROW leads in 1 (Income & Cash Flow). 1 tied.
Best OverallMedallion Financial Corp. (MFIN)Leads 2 of 6 categories
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SII vs MFIN vs ENVA vs GROW: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is SII or MFIN or ENVA or GROW a better buy right now?
For growth investors, Sprott Inc.
(SII) is the stronger pick with 75. 2% 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. 5x trailing P/E (8. 8x forward), making it the more compelling value choice. Analysts rate Sprott Inc. (SII) a "Buy" — based on 1 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 — SII or MFIN or ENVA or GROW?
On trailing P/E, Medallion Financial Corp.
(MFIN) is the cheapest at 5. 5x versus Sprott Inc. at 44. 8x. On forward P/E, Medallion Financial Corp. is actually cheaper at 8. 8x.
03Which is the better long-term investment — SII or MFIN or ENVA or GROW?
Over the past 5 years, Enova International, Inc.
(ENVA) delivered a total return of +440. 2%, compared to -47. 2% for U. S. Global Investors, Inc. (GROW). Over 10 years, the gap is even starker: ENVA returned +24. 2% versus MFIN's +65. 9%. 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 — SII or MFIN or ENVA or GROW?
By beta (market sensitivity over 5 years), U.
S. Global Investors, Inc. (GROW) is the lower-risk stock at 0. 77β versus Sprott Inc. 's 1. 51β — meaning SII is approximately 97% more volatile than GROW 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 3% for Enova International, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SII or MFIN or ENVA or GROW?
By revenue growth (latest reported year), Sprott Inc.
(SII) is pulling ahead at 75. 2% 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 — SII or MFIN or ENVA or GROW?
Sprott Inc.
(SII) is the more profitable company, earning 23. 2% net margin versus -4. 0% for U. S. Global Investors, Inc. — meaning it keeps 23. 2% 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 SII or MFIN or ENVA or GROW more undervalued right now?
On forward earnings alone, Medallion Financial Corp.
(MFIN) trades at 8. 8x forward P/E versus 25. 3x for Sprott Inc. — 16. 5x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for ENVA: 8. 3% to $205. 00.
08Which pays a better dividend — SII or MFIN or ENVA or GROW?
In this comparison, MFIN (4.
6% yield), GROW (3. 1% yield), SII (1. 1% yield) pay a dividend. ENVA does not pay a meaningful dividend and should not be held primarily for income.
09Is SII or MFIN or ENVA or GROW better for a retirement portfolio?
For long-horizon retirement investors, U.
S. Global Investors, Inc. (GROW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 77), 3. 1% yield). Both have compounded well over 10 years (GROW: +89. 2%, ENVA: +24. 2%), 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 SII and MFIN and ENVA and GROW?
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: SII is a small-cap high-growth stock; MFIN is a small-cap high-growth stock; ENVA is a small-cap high-growth stock; GROW is a small-cap income-oriented stock. SII, MFIN, GROW 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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