Enova International Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Enova International Inc (ENVA) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Enova International Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 3,446M vs 201,802M combined for tracked competitors (1.7% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+7.8% annualized vs trailing 12 months), vs accelerating (+4.9%) for its tracked peer group.
- Growth: Enova International Inc generated 21.6% revenue growth year over year in Q2 2026, vs 15.4% for its tracked competitors combined.
- Profitability: Its 11.3% net margin compares with 28.3% for the peer group.
- Scale: Enova International Inc ranks #11 of 30 companies by market capitalization in the Consumer Financial Services industry, holding 1.1% of industry market cap.
- Peer revenue share: Enova International Inc accounted for 1.7% of combined revenue among its tracked peer group, up from 1.6% a year earlier.
- Peer differentiation: Revenue per employee of $1.88M compares with $0.50M for the peer group (3.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
ENVA Sales vs. its Competitors, Q2 2026
Enova International Inc reported revenue growth of 21.58 % year on year in Q2 2026, above its competitors' combined revenue growth of 15.37 %.
With a net margin of 11.31 %, Enova International Inc reported lower profitability than its competitors (28.31 %).
Enova International Inc generated 1.72 % of the combined sales of its peer group, up from 1.64 % a year earlier.
Enova International Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Enova International Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Enova International Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (7) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (4) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Enova International Inc's competitor groups requires a Commercial License.
For context: the Consumer Financial Services industry grew revenue 9.0% year over year, combined, vs 21.6% for Enova International Inc. Enova International Inc's share of combined industry revenue moved from 1.95% to 2.18%, a gain of 0.23 percentage points.
Enova International Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Enova International Inc | Yes | Yes | Yes | No |
| Competitors combined (18) | ||||
| Similar-Size Competitors (10) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 75.00 % (6 of 8) | 14.30 % (1 of 7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
ENVA Stock Performance relative to its Competitors
ENVA Stock Performance relative to Similar-Size Competitors
ENVA Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Atlanticus Holdings Corp | 282.9% | Outperformed |
| 2 | Northern Trust Corporation | 282.9% | Outperformed |
| 3 | Comerica Incorporated | 282.9% | Outperformed |
| 4 | M and t Bank Corporation | 282.9% | Outperformed |
| 5 | Pnc Financial Services Group Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Enova International Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Enova International Inc's Comment on Competition and Industry Peers
We have many competitors. Our principal competitors are consumer loan companies,
CSOs, online lenders, credit card companies, consumer finance companies, auto
title lenders, pawnshops and other financial institutions that offer similar
financial products and services, including loans on an unsecured as well as
a secured basis. We believe that there is also indirect competition to some
of our products, including bank overdraft facilities and banks’ and retailers’
insufficient funds policies, many of which may be more expensive alternative
approaches for consumers and small businesses to cover their bills and expenses
than the consumer and small business loan and financing products we offer. Some
of our U.S. competitors operate using other business models, including a “tribal
model” where the lender follows the laws of a Native American tribe regardless
of the state in which the customer resides.
We believe that the principal competitive factors in the consumer and small
business loan and financing industry consist of the ability to provide sufficient
loan size to meet customers’ loan requests, speed of funding, customer
privacy, ease of access, transparency of fees and interest and customer service.
We believe we have a significant competitive advantage as an early mover in
many of the markets that we serve. New entrants face obstacles typical to launching
new lending operations, such as successfully implementing underwriting and fraud
prevention processes, incurring high marketing and customer acquisition costs,
overcoming customer brand loyalty and having or obtaining sufficient capital
to withstand early losses associated with unseasoned loan portfolios. In addition,
there are substantial regulatory and compliance costs, including the need for
expertise to customize products and obtain licenses to lend in various states
in the United States and in international jurisdictions. Our proprietary technology,
analytics expertise, scale, international reach, brand recognition and regulatory
compliance would be difficult for a new competitor to duplicate.
Because numerous competitors offer consumer and small business loan and financing
products, and many of our competitors are privately held, it is difficult for
us to determine our exact competitive position in the market. However, we believe
our principal online competitors in the United States include Avant, Elevate,
LendUP and Speedy Cash. Storefront consumer loan lenders that offer loans online
or in storefronts are also a source of competition in some of the markets where
we offer consumer loans, including Advance America, Ace Cash Express, Check
Into Cash, Check ‘n Go, Dollar Financial and One Main Financial. For online
small business financing, we believe our main competitors are CAN Capital, OnDeck
and Kabbage. In the United Kingdom, we believe that our principal online competitors
include 118118, Amigo, Avant, Lending Stream, Mr. Lender, PaydayUK, Satsuma,
Sunny and Wonga. In Australia, we believe our main online competitors are Nimble,
Cash Converters and Money3. In Canada, the industry has been dominated by storefront
lenders, and as a result, our principal competitors are not online lenders but
storefront lenders, such as Money Mart and Cash Money.
Our products also compete with those of other financial institutions, such as
banks, credit unions, pawn shops, credit services organizations, auto title
lenders and consumer finance companies, which can offer loans on an unsecured
as well as a secured basis.
Publicly Traded Peers of Enova International Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Enova International Inc | 4,502.84 | 3,446.14 |
| Bank Of America Corporation | 404,281.04 | 121,098.00 |
| Pnc Financial Services Group Inc | 90,048.33 | 25,026.00 |
| Truist Financial Corporation | 58,507.47 | 19,028.00 |
| Northern Trust Corporation | 32,230.02 | 9,085.40 |
| M and t Bank Corporation | 32,228.79 | 9,451.00 |
| SUBTOTAL | 672,628.22 | 210,529.54 |
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Sources: Enova International Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Enova International Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Enova International Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Diebold Nixdorf Incorporated | Banking 68.21 % |
| Atlanticus Holdings Corp | Credit and Other Investments 98.51 % |
| Lendingtree inc | Insurance 66.77 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Enova International Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Enova International Inc | 4,503 | 1,876,981 | 193,601 |
| Bank Of America Corporation | 404,281 | 568,535 | 158,005 |
| Pnc Financial Services Group Inc | 90,048 | 452,280 | 138,832 |
| Truist Financial Corporation | 58,507 | 513,078 | 157,472 |
| Northern Trust Corporation | 32,230 | 381,739 | 94,172 |
| M and t Bank Corporation | 32,229 | 422,334 | 129,994 |
| PEERS TOTAL | 668,125 | 502,675 | 143,006 |
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Enova International Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Enova International Inc | US 97.28 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Enova International Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 29 companies in Enova International Inc's industry classification, broader than the peer set above. Market cap in millions of $.Enova International Inc ranks #11 of 29 companies by market capitalization in its industry, holding 1.13 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,783, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | S and p Global Inc | 124,542 | 31.58 % |
| 2 | Moody s Corporation | 80,284 | 20.36 % |
| 3 | Paccar Inc | 58,907 | 14.94 % |
| 4 | Rocket Companies Inc | 33,099 | 8.39 % |
| 5 | Affirm Holdings Inc | 1,234 | 5.2% |
| 6 | Equifax Inc | 1,234 | 5.2% |
| 7 | Transunion | 1,234 | 5.2% |
| 8 | Onemain Holdings Inc | 1,234 | 5.2% |
| 9 | Credit Acceptance Corp | 1,234 | 5.2% |
| 10 | Nelnet Inc | 1,234 | 5.2% |
| 11 | Enova International Inc | 4,467 | 1.13 % |
Market cap and industry share for the rest of Enova International Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Enova International Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 6 | Equifax Inc | 17,377 | -42.60 % |
| 7 | Transunion | 12,874 | -20.18 % |
| 8 | Onemain Holdings Inc | 6,594 | -3.73 % |
| 9 | Credit Acceptance Corp | 5,904 | 17.71 % |
| 10 | Nelnet Inc | 1,234 | 12.3% |
| 11 | Enova International Inc | 4,467 | 40.25 % |
| 12 | Slm Corp | 1,234 | 12.3% |
| 13 | Bread Financial Holdings Inc | 1,234 | 12.3% |
| 14 | Pennymac Financial Services inc | 1,234 | 12.3% |
| 15 | Euronet Worldwide Inc | 1,234 | 12.3% |
| 16 | Encore Capital Group Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Enova International Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-28. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Enova International Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Consumer Financial Services industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (37 companies). See the full Consumer Financial Services industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 59.77 % | 63.05 % (avg) | -3.3 pp |
| Operating Margin | 24.02 % | industry median | +10.2 pp |
| EBITDA Margin | 22.86 % | 30.50 % (avg) | -7.6 pp |
| Capital Intensity (Capex / Revenue) | 1.35 % | 8.55 % (avg) | -7.2 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Enova International Inc's Valuation vs Competitive Position
Valuation multiples vs the Consumer Financial Services industry average (37 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Consumer Financial Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 14.9x | 19.3x | -4.4x |
| EV / EBITDA | 12.4x | 11.7x | +0.7x |
| P/B | 3.8x | 2.7x | +1.1x |
| Return on Equity | 25.76 % | industry aggregate | 8.94 % |
| Return on Invested Capital | 10.77 % | 4.81 % (avg) | 5.96 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Enova International Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 32.04 % | 5.45 % | -7.75 % | 11.46 % | 43.72 % | 21.98 % | 25.51 % | 18.58 % |
| Operating Margin | 9.16 % | 21.13 % | 33.02 % | 34.20 % | 28.07 % | 19.93 % | 22.00 % | 23.46 % |
| Return on Invested Capital | 6.78 % | 14.81 % | 16.60 % | 12.56 % | 11.12 % | 7.88 % | 9.60 % | 10.71 % |
| P/E | 10.8x | 22.4x | 2.0x | 5.9x | 6.3x | 8.9x | 13.8x | 12.7x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Enova International Inc's Strategic Group Map
Every company in Enova International Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Enova International Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Enova International Inc's BCG Growth-Share Matrix
Relative market share (vs Enova International Inc's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Enova International Inc falls in the Dog quadrant: relative market share of 0.04x vs its largest competitor, in an industry growing revenue 6.2% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Enova International Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,783 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | Lower than typical for the industry | Capital intensity (capex / revenue) of 1.35 % vs industry average 8.55 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Enova International Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Enova International Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Enova International Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Enova International Inc falls in the Medium attractiveness / Medium strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Enova International Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Operating margin 10.2 points above the industry median.
- Return on equity 8.9 points above the industry aggregate.
- Latest-quarter revenue run-rate is accelerating (+7.8% annualized vs trailing 12 months).
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Low relative market share vs the industry leader (0.04x).
Opportunities
- Trades at a lower P/E than the industry average (14.9x vs 19.3x) despite a higher return on invested capital -- a possible re-rating opportunity.
Threats
No rule matched.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Enova International Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Enova International Inc | 0.26 | 1.30 | 3.34 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Pnc Financial Services Group Inc | 0.03 | 0.02 | 1.15 |
| Truist Financial Corporation | 0.09 | 0.16 | 1.08 |
| Northern Trust Corporation | 0.05 | 0.67 | 0.85 |
| M and t Bank Corporation | 0.03 | 0.15 | 0.57 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Enova International Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Enova International Inc | Q2 2026 | +21.6 % | +38.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Pnc Financial Services Group Inc | Q2 2026 | +21.4 % | +25.1 % |
| Truist Financial Corporation | Q2 2026 | +8.2 % | +25.2 % |
| Northern Trust Corporation | Q2 2026 | +36.4 % | +88.0 % |
| M and t Bank Corporation | Q2 2026 | +6.2 % | +20.2 % |
| PEERS TOTAL | +15.1 % | +20.2 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Enova International Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Enova International Inc | Q2 2026 | - | +12.4 % |
| Bank Of America Corporation | Q2 2026 | - | - |
| Pnc Financial Services Group Inc | Q2 2026 | - | - |
| Truist Financial Corporation | Q2 2026 | -24.2 % | - |
| Northern Trust Corporation | Q2 2026 | -67.9 % | -29.0 % |
| M and t Bank Corporation | Q2 2026 | - | -19.2 % |
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Enova International Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Enova International Inc | 5.36% | 5.64% | 25.76% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Pnc Financial Services Group Inc | 1.30% | 3.15% | 12.42% |
| Truist Financial Corporation | 1.06% | 2.65% | 9.01% |
| Northern Trust Corporation | 1.28% | 3.25% | 17.14% |
| M and t Bank Corporation | 1.35% | 3.30% | 10.22% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Enova International Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Enova International Inc | 12.75 | 1.31 |
| Bank Of America Corporation | 12.77 | 3.34 |
| Pnc Financial Services Group Inc | 12.32 | 3.60 |
| Truist Financial Corporation | 10.86 | 3.07 |
| Northern Trust Corporation | 18.43 | 3.55 |
| M and t Bank Corporation | 11.68 | 3.41 |
| PEERS AVERAGE | 11.35 | 3.19 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.