ENVA vs LPRO
ENVA: Enova provides technology-enabled, data-driven online financial services specifically tailored for non-prime consumers and small businesses. LPRO: Open Lending provides an automated risk management and insurance-backed lending platform that helps financial institutions profitably originate loans to near-prime and non-prime auto borrowers.
Side-by-side fundamentals
| Metric | ENVA | LPRO | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $251.96 | $3.14 | |
| Market cap as of 2026-07-30 | $6.2B | $372M | |
| P/E as of 2026-07-30 | 17.44 | n/a | |
| PEG as of 2026-07-30 | 0.43 | n/a | |
| Net margin as of 2026-07-30 | +17.3% | -6.0% | ENVA higher |
| Gross margin as of 2026-07-30 | +100.0% | +77.2% | ENVA higher |
| Operating margin as of 2026-07-30 | +40.2% | -7.4% | ENVA higher |
| ROE as of 2026-07-30 | +25.8% | -7.0% | ENVA higher |
| ROA as of 2026-07-30 | +5.4% | -2.0% | ENVA higher |
| Debt / equity as of 2026-07-30 | 3.35 | 1.10 | LPRO lower |
| Revenue growth (YoY) as of 2026-07-30 | +22.5% | +405.4% | LPRO higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | -19.6% | ENVA higher |
| Dividend streak (yrs) SEC XBRL | 2 | n/a | |
| Beta as of 2026-07-30 | 1.23 | 2.23 | |
| 1-year return as of 2026-07-27 close | +138.1% | +18.9% | ENVA higher |
Fundamentals: market data, as of 2026-07-30. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.