ENVA vs OPFI
ENVA: Enova provides technology-enabled, data-driven online financial services specifically tailored for non-prime consumers and small businesses. OPFI: A tech-enabled digital finance platform providing credit access and financial health tools to underbanked U.S. consumers through bank partnerships.
Side-by-side fundamentals
| Metric | ENVA | OPFI | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $182.59 | $6.09 | |
| Market cap | $4.5B | $532M | |
| P/E as of 2026-10-08 | 13.55 | 9.63 | OPFI lower |
| PEG as of 2026-10-08, 3-year EPS CAGR to FY2025 | 0.59 | n/a | |
| Net margin FY2025, SEC XBRL | +9.8% | n/a | |
| Gross margin FY2025, SEC XBRL | +58.1% | n/a | |
| Operating margin FY2025, SEC XBRL | +23.5% | n/a | |
| ROE FY2025, SEC XBRL | +23.1% | +45.0% | OPFI higher |
| ROA FY2025, SEC XBRL | +4.8% | +3.5% | ENVA higher |
| Debt / equity as of 2026-09-03 | 3.35 | 3.76 | ENVA lower |
| Revenue growth (YoY) as of 2026-09-03 | +22.5% | +12.9% | ENVA higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | n/a | |
| Dividend yield as of 2026-09-02 | n/a | +1.1% | |
| Dividend streak (yrs) SEC XBRL | 2 | 2 | Tie |
| Beta as of 2026-09-03 | 1.40 | 1.51 | |
| 1-year return as of 2026-10-08 close | +68.7% | -39.3% | ENVA higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
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.