Enova International (ENVA) vs Nelnet (NNI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Enova International (ENVA) has outperformed Nelnet (NNI) over the past year, gaining 64.9% versus a loss of 2.6%. Over five years, ENVA leads with a +394.0% price change compared with +50.6% for NNI. Nelnet is the larger company by market cap ($4.48 billion vs $4.43 billion), about 1.0 times the size.
On valuation, Enova International trades at a lower forward P/E (8.5x vs 14.7x for Nelnet). Nelnet pays a dividend yielding 1.03%, while Enova International does not currently pay one.
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 | ENVA | NNI |
|---|---|---|
| Share price | $178.07 | $125.26 |
| Market cap | $4.43B | $4.48B |
| 1-day change | -2.48% | -0.56% |
| YTD return | +13.28% | -5.79% |
| 1-year return | +64.88% | -2.58% |
| 5-year return | +393.95% | +50.57% |
| P/E ratio (TTM) | 13.22 | 14.97 |
| Forward P/E | 8.50 | 14.74 |
| EPS (TTM) | $13.47 | $8.37 |
| Dividend yield | 0.00% | 1.03% |
| Annual dividend | $0.00 | $1.29 |
| Revenue (latest FY) | $3.15B | — |
| Revenue growth (YoY) | +18.58% | — |
| Net income (latest FY) | $308.39M | $428.47M |
| Gross margin | 58.07% | — |
| Operating margin | 23.46% | — |
| Net margin | 9.78% | — |
| 52-week high | $267.45 | $144.38 |
| 52-week low | $103.02 | $116.62 |
| Distance from 52-week high | -33.42% | -13.24% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +35.34% | -0.21% |
| Average volume | 358.31K | 132.92K |
| Shares outstanding | 24.90M | 25.16M |
| Employees | 1,836 | 5,744 |
| 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
- ENVA has outperformed NNI by 67.5 percentage points over the past year.
- Nelnet offers a meaningfully higher dividend yield (1.03% vs 0.00%).
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
About Nelnet
NNI stock →Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide.
Finance · Finance: Consumer Services · 5,744 employees
ENVA vs NNI FAQ
Which is bigger, Enova International or Nelnet?
Nelnet (NNI) is larger, with a market capitalization of $4.48B compared with $4.43B for Enova International (ENVA).
Which stock has performed better over the past year, ENVA or NNI?
ENVA returned +64.88% over the past 12 months, compared with -2.58% for NNI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ENVA or NNI?
ENVA has the lower trailing P/E at 13.2, versus 15.0 for NNI. 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, Enova International or Nelnet?
Nelnet pays a dividend yielding 1.03%, while Enova International does not currently pay a regular dividend.
Are Enova International and Nelnet in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.