ENVA vs TREE
ENVA: Enova provides technology-enabled, data-driven online financial services specifically tailored for non-prime consumers and small businesses. TREE: The leading online financial services marketplace connecting millions of consumers with lenders, insurers, and banks for mortgages, auto loans, credit cards, and insurance through a 770-partner network.
Side-by-side fundamentals
| Metric | ENVA | TREE | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $217.80 | $39.45 | |
| Market cap as of 2026-07-25 | $5.4B | $555M | |
| P/E as of 2026-07-25 | 16.60 | 3.07 | TREE lower |
| PEG as of 2026-07-25 | 0.37 | n/a | |
| Net margin as of 2026-07-25 | +16.9% | +15.0% | ENVA higher |
| Gross margin as of 2026-07-25 | +100.0% | +96.3% | ENVA higher |
| Operating margin as of 2026-07-25 | +40.0% | +7.9% | ENVA higher |
| ROE as of 2026-07-25 | +24.9% | +86.0% | TREE higher |
| ROA as of 2026-07-25 | +5.2% | +21.8% | TREE higher |
| Debt / equity as of 2026-07-25 | 3.45 | 1.28 | TREE lower |
| Revenue growth (YoY) as of 2026-07-25 | +20.1% | +23.9% | TREE higher |
| Revenue CAGR (3y) SEC XBRL | +22.0% | +4.3% | ENVA higher |
| Dividend streak (yrs) SEC XBRL | 2 | n/a | |
| Beta as of 2026-07-25 | 1.25 | 2.05 | |
| 1-year return as of 2026-07-23 close | +85.2% | -22.5% | ENVA higher |
Fundamentals: Finnhub, as of 2026-07-25. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
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.