Enova International (ENVA) vs Sezzle (SEZL)
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 Sezzle (SEZL) over the past year, gaining 64.9% versus a gain of 57.5%. Enova International is the larger company by market cap ($4.43 billion vs $4.33 billion), about 1.0 times the size, while Sezzle is growing revenue faster (+66.1% vs +18.6%). On valuation, Enova International trades at a lower forward P/E (8.5x vs 19.3x for Sezzle).
Sezzle converts more of its revenue into profit, with a net margin of 29.6% 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 | ENVA | SEZL |
|---|---|---|
| Share price | $178.07 | $128.64 |
| Market cap | $4.43B | $4.33B |
| 1-day change | -2.48% | +9.74% |
| YTD return | +13.28% | +102.66% |
| 1-year return | +64.88% | +57.47% |
| 5-year return | +393.95% | — |
| P/E ratio (TTM) | 13.22 | 28.21 |
| Forward P/E | 8.50 | 19.35 |
| EPS (TTM) | $13.47 | $4.56 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $3.15B | $450.28M |
| Revenue growth (YoY) | +18.58% | +66.08% |
| Net income (latest FY) | $308.39M | $133.13M |
| Gross margin | 58.07% | — |
| Operating margin | 23.46% | 39.26% |
| Net margin | 9.78% | 29.57% |
| 52-week high | $267.45 | $195.71 |
| 52-week low | $103.02 | $49.50 |
| Distance from 52-week high | -33.42% | -34.27% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +35.34% | +29.95% |
| Average volume | 359.45K | 615.45K |
| Shares outstanding | 24.90M | 33.68M |
| Employees | 1,836 | 201 |
| 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
- Sezzle trades at a higher earnings multiple (28.2x vs 13.2x trailing P/E).
- Sezzle is more profitable, keeping 29.6 cents of every revenue dollar as net income versus 9.8 cents for Enova International.
- Sezzle grew revenue faster in its latest fiscal year (+66.08% vs +18.58%).
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 Sezzle
SEZL stock →Sezzle Inc. operates as a technology-enabled payments company in the United States and Canada.
Finance · Finance: Consumer Services · 201 employees
ENVA vs SEZL FAQ
Which is bigger, Enova International or Sezzle?
Enova International (ENVA) is larger, with a market capitalization of $4.43B compared with $4.33B for Sezzle (SEZL).
Which stock has performed better over the past year, ENVA or SEZL?
ENVA returned +64.88% over the past 12 months, compared with +57.47% for SEZL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ENVA or SEZL?
ENVA has the lower trailing P/E at 13.2, versus 28.2 for SEZL. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Enova International and Sezzle in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.