Ally Financial (ALLY) vs Enova International (ENVA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Enova International (ENVA) has outperformed Ally Financial (ALLY) over the past year, gaining 69.6% versus a loss of 6.4%. Over five years, ENVA leads with a +410.7% price change compared with -31.9% for ALLY. Ally Financial is the larger company by market cap ($11.37 billion vs $4.58 billion), about 2.5 times the size, while Enova International is growing revenue faster (+18.6% vs -3.3%).
On valuation, Ally Financial trades at a lower forward P/E (6.0x vs 8.8x for Enova International). Ally Financial pays a dividend yielding 3.21%, while Enova International does not currently pay one. Ally Financial converts more of its revenue into profit, with a net margin of 10.8% versus 9.8%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | ALLY | ENVA |
|---|---|---|
| Share price | $37.37 | $184.12 |
| Market cap | $11.37B | $4.58B |
| 1-day change | -0.66% | +0.68% |
| YTD return | -17.49% | +17.12% |
| 1-year return | -6.39% | +69.60% |
| 5-year return | -31.93% | +410.74% |
| P/E ratio (TTM) | 8.79 | 13.67 |
| Forward P/E | 6.02 | 8.79 |
| EPS (TTM) | $4.25 | $13.47 |
| Dividend yield | 3.21% | 0.00% |
| Annual dividend | $1.20 | $0.00 |
| Revenue (latest FY) | $7.91B | $3.15B |
| Revenue growth (YoY) | -3.26% | +18.58% |
| Net income (latest FY) | $852.00M | $308.39M |
| Gross margin | — | 58.07% |
| Operating margin | — | 23.46% |
| Net margin | 10.77% | 9.78% |
| 52-week high | $47.29 | $267.45 |
| 52-week low | $35.92 | $103.02 |
| Distance from 52-week high | -20.98% | -31.16% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +34.55% | +30.89% |
| Average volume | 3.32M | 355.19K |
| Shares outstanding | 304.20M | 24.90M |
| Employees | 10,300 | 1,836 |
| Sector | Finance | Finance |
| Industry | Major Banks | Finance: Consumer Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Ally Financial is about 2.5 times larger than Enova International by market value ($11.37B vs $4.58B).
- ENVA has outperformed ALLY by 76.0 percentage points over the past year.
- Enova International trades at a higher earnings multiple (13.7x vs 8.8x trailing P/E).
- Ally Financial offers a meaningfully higher dividend yield (3.21% vs 0.00%).
- Enova International grew revenue faster in its latest fiscal year (+18.58% vs -3.26%).
About Ally Financial
ALLY stock →Ally Financial Inc., a digital financial-services company, provides various digital financial products and services in the United States and Canada. The company operates through Automotive Finance operations, Insurance operations, and Corporate Finance operations.
Finance · Major Banks · 10,300 employees
About Enova International
ENVA stock →Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.
Finance · Finance: Consumer Services · 1,836 employees
ALLY vs ENVA FAQ
Which is bigger, Ally Financial or Enova International?
Ally Financial (ALLY) is larger, with a market capitalization of $11.37B compared with $4.58B for Enova International (ENVA).
Which stock has performed better over the past year, ALLY or ENVA?
ENVA returned +69.60% over the past 12 months, compared with -6.39% for ALLY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ALLY or ENVA?
ALLY has the lower trailing P/E at 8.8, versus 13.7 for ENVA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ally Financial or Enova International?
Ally Financial pays a dividend yielding 3.21%, while Enova International does not currently pay a regular dividend.
Are Ally Financial and Enova International in the same industry?
Both are in the Finance sector, but in different industries: Major Banks for Ally Financial and Finance: Consumer Services for Enova International.