ENVA vs SOFI
ENVA: Digital-first consumer and small business lender with a major pending bank acquisition, serving underserved borrowers through online origination and credit securitization. SOFI: An all-in-one digital financial services platform that helps members borrow, save, spend, invest and protect their money through an integrated mobile app, while also offering fintech infrastructure to enterprise clients.
Side-by-side fundamentals
| Metric | ENVA | SOFI | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $222.49 | $17.07 | |
| Market cap as of 2026-07-23 | $5.7B | $21.9B | |
| P/E as of 2026-07-23 | 17.41 | 37.95 | ENVA lower |
| PEG as of 2026-07-23 | 0.41 | 0.96 | ENVA lower |
| Net margin as of 2026-07-23 | +16.9% | -19.8% | ENVA higher |
| Gross margin as of 2026-07-23 | +100.0% | n/a | |
| Operating margin as of 2026-07-23 | +40.0% | -19.9% | ENVA higher |
| ROE as of 2026-07-23 | +24.9% | +6.3% | ENVA higher |
| ROA as of 2026-07-23 | +5.2% | +1.2% | ENVA higher |
| Debt / equity as of 2026-07-23 | 3.45 | 0.17 | SOFI lower |
| Revenue growth (YoY) as of 2026-07-23 | +20.1% | +205.5% | SOFI higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | +18.0% | ENVA higher |
| Dividend yield as of 2026-07-23 | n/a | +0.0% | |
| Dividend streak (yrs) SEC XBRL | 2 | 0 | ENVA higher |
| Beta as of 2026-07-23 | 1.24 | 2.22 | |
| 1-year return as of 2026-07-22 close | +102.1% | -18.6% | ENVA higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.