Dave (DAVE) vs Enova International (ENVA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Dave (DAVE) has outperformed Enova International (ENVA) over the past year, gaining 71.0% versus a gain of 69.6%. Over five years, ENVA leads with a +410.7% price change compared with +8.4% for DAVE. Enova International is the larger company by market cap ($4.58 billion vs $4.40 billion), about 1.0 times the size, while Dave is growing revenue faster (+59.7% vs +18.6%).
On valuation, Enova International trades at a lower forward P/E (8.8x vs 15.5x for Dave). Dave converts more of its revenue into profit, with a net margin of 35.3% 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 | DAVE | ENVA |
|---|---|---|
| Share price | $344.82 | $184.12 |
| Market cap | $4.40B | $4.58B |
| 1-day change | +0.49% | +0.68% |
| YTD return | +56.68% | +17.12% |
| 1-year return | +70.99% | +69.60% |
| 5-year return | +8.41% | +410.74% |
| P/E ratio (TTM) | 22.23 | 13.67 |
| Forward P/E | 15.54 | 8.79 |
| EPS (TTM) | $15.51 | $13.47 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $554.18M | $3.15B |
| Revenue growth (YoY) | +59.67% | +18.58% |
| Net income (latest FY) | $195.87M | $308.39M |
| Gross margin | — | 58.07% |
| Operating margin | — | 23.46% |
| Net margin | 35.34% | 9.78% |
| 52-week high | $458.25 | $267.45 |
| 52-week low | $152.21 | $103.02 |
| Distance from 52-week high | -24.75% | -31.16% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +28.82% | +30.89% |
| Average volume | 391.97K | 356.82K |
| Shares outstanding | 11.44M | 24.90M |
| Employees | 280 | 1,836 |
| Sector | Finance | Finance |
| Industry | Finance: Consumer Services | 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
- Dave trades at a higher earnings multiple (22.2x vs 13.7x trailing P/E).
- Dave is more profitable, keeping 35.3 cents of every revenue dollar as net income versus 9.8 cents for Enova International.
- Dave grew revenue faster in its latest fiscal year (+59.67% vs +18.58%).
About Dave
DAVE stock →Dave Inc. provides various financial products and services through its financial services platform in the United States.
Finance · Finance: Consumer Services · 280 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
DAVE vs ENVA FAQ
Which is bigger, Dave or Enova International?
Enova International (ENVA) is larger, with a market capitalization of $4.58B compared with $4.40B for Dave (DAVE).
Which stock has performed better over the past year, DAVE or ENVA?
DAVE returned +70.99% over the past 12 months, compared with +69.60% for ENVA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, DAVE or ENVA?
ENVA has the lower trailing P/E at 13.7, versus 22.2 for DAVE. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Dave and Enova International in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.