Enova International (ENVA) vs SLM (SLM)
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 SLM (SLM) over the past year, gaining 69.6% versus a loss of 16.4%. Over five years, ENVA leads with a +410.7% price change compared with +29.7% for SLM. Enova International is the larger company by market cap ($4.57 billion vs $4.26 billion), about 1.1 times the size.
On valuation, SLM trades at a lower forward P/E (6.7x vs 8.8x for Enova International). SLM pays a dividend yielding 2.29%, while Enova International does not currently pay one. SLM converts more of its revenue into profit, with a net margin of 37.5% 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 | SLM |
|---|---|---|
| Share price | $183.40 | $22.68 |
| Market cap | $4.57B | $4.26B |
| 1-day change | -0.39% | +0.33% |
| YTD return | +17.12% | -16.48% |
| 1-year return | +69.60% | -16.42% |
| 5-year return | +410.74% | +29.74% |
| P/E ratio (TTM) | 13.62 | 6.32 |
| Forward P/E | 8.75 | 6.73 |
| EPS (TTM) | $13.47 | $3.59 |
| Dividend yield | 0.00% | 2.29% |
| Annual dividend | $0.00 | $0.52 |
| Revenue (latest FY) | $3.15B | $1.98B |
| Revenue growth (YoY) | +18.58% | +7.32% |
| Net income (latest FY) | $308.39M | $744.85M |
| Gross margin | 58.07% | — |
| Operating margin | 23.46% | — |
| Net margin | 9.78% | 37.54% |
| 52-week high | $267.45 | $31.06 |
| 52-week low | $103.02 | $17.77 |
| Distance from 52-week high | -31.43% | -27.00% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +31.41% | +25.91% |
| Average volume | 355.35K | 2.32M |
| Shares outstanding | 24.90M | 188.00M |
| Employees | 1,836 | 1,788 |
| 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 SLM by 86.0 percentage points over the past year.
- Enova International trades at a higher earnings multiple (13.6x vs 6.3x trailing P/E).
- SLM offers a meaningfully higher dividend yield (2.29% vs 0.00%).
- SLM is more profitable, keeping 37.5 cents of every revenue dollar as net income versus 9.8 cents for Enova International.
- Enova International grew revenue faster in its latest fiscal year (+18.58% vs +7.32%).
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 SLM
SLM stock →SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts.
Finance · Finance: Consumer Services · 1,788 employees
ENVA vs SLM FAQ
Which is bigger, Enova International or SLM?
Enova International (ENVA) is larger, with a market capitalization of $4.57B compared with $4.26B for SLM (SLM).
Which stock has performed better over the past year, ENVA or SLM?
ENVA returned +69.60% over the past 12 months, compared with -16.42% for SLM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ENVA or SLM?
SLM has the lower trailing P/E at 6.3, versus 13.6 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, Enova International or SLM?
SLM pays a dividend yielding 2.29%, while Enova International does not currently pay a regular dividend.
Are Enova International and SLM in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.