Enova International (ENVA) vs SoFi Technologies (SOFI)
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 SoFi Technologies (SOFI) over the past year, gaining 69.6% versus a loss of 44.3%. Over five years, ENVA leads with a +410.7% price change compared with -19.2% for SOFI. SoFi Technologies is the larger company by market cap ($20.23 billion vs $4.58 billion), about 4.4 times the size.
On valuation, Enova International trades at a lower forward P/E (8.8x vs 19.0x for SoFi Technologies). SoFi Technologies converts more of its revenue into profit, with a net margin of 77.7% 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 | SOFI |
|---|---|---|
| Share price | $184.12 | $15.66 |
| Market cap | $4.58B | $20.23B |
| 1-day change | +0.68% | -0.63% |
| YTD return | +17.12% | -40.18% |
| 1-year return | +69.60% | -44.35% |
| 5-year return | +410.74% | -19.20% |
| P/E ratio (TTM) | 13.67 | 31.96 |
| Forward P/E | 8.79 | 19.03 |
| EPS (TTM) | $13.47 | $0.49 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $3.15B | $619.35M |
| Revenue growth (YoY) | +18.58% | +23.10% |
| Net income (latest FY) | $308.39M | $481.32M |
| Gross margin | 58.07% | 1.67% |
| Operating margin | 23.46% | — |
| Net margin | 9.78% | 77.71% |
| 52-week high | $267.45 | $32.73 |
| 52-week low | $103.02 | $14.88 |
| Distance from 52-week high | -31.16% | -52.15% |
| Analyst consensus | strong_buy | hold |
| Avg. price target upside | +30.89% | +29.82% |
| Average volume | 355.19K | 57.13M |
| Shares outstanding | 24.90M | 1.29B |
| Employees | 1,836 | 6,100 |
| 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
- SoFi Technologies is about 4.4 times larger than Enova International by market value ($20.23B vs $4.58B).
- ENVA has outperformed SOFI by 114.0 percentage points over the past year.
- SoFi Technologies trades at a higher earnings multiple (32.0x vs 13.7x trailing P/E).
- SoFi Technologies is more profitable, keeping 77.7 cents of every revenue dollar as net income versus 9.8 cents for Enova International.
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 SoFi Technologies
SOFI stock →SoFi Technologies, Inc. provides various financial services in the United States, Latin America, Canada, and Hong Kong.
Finance · Finance: Consumer Services · 6,100 employees
ENVA vs SOFI FAQ
Which is bigger, Enova International or SoFi Technologies?
SoFi Technologies (SOFI) is larger, with a market capitalization of $20.23B compared with $4.58B for Enova International (ENVA).
Which stock has performed better over the past year, ENVA or SOFI?
ENVA returned +69.60% over the past 12 months, compared with -44.35% for SOFI (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, ENVA or SOFI?
ENVA has the lower trailing P/E at 13.7, versus 32.0 for SOFI. 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 SoFi Technologies in the same industry?
Yes. Both are classified in the Finance: Consumer Services industry within the Finance sector.