ATLC vs. ENVA

Last updated Apr 1, 2026

Compare and contrast key facts about Atlanticus Holdings Corporation (ATLC) and Enova International, Inc. (ENVA).

Performance

ATLC vs. ENVA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Atlanticus Holdings Corporation (ATLC) and Enova International, Inc. (ENVA). The values are adjusted to include any dividend payments, if applicable.

ATLC vs. ENVA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
ATLC Atlanticus Holdings Corporation	-21.63%	20.03%	44.25%	47.60%	-63.26%	189.57%	173.36%	147.53%	51.67%	-15.47%
ENVA Enova International, Inc.	-13.59%	63.95%	73.19%	44.28%	-6.32%	65.36%	2.95%	23.64%	28.03%	21.12%

Fundamentals

EPS ATLC : $8.74 ENVA : $11.58
PE Ratio ATLC : 6.00 ENVA : 11.73
PS Ratio ATLC : 0.34 ENVA : 1.15
Total Revenue (TTM) ATLC : $1.97B ENVA : $3.15B
Gross Profit (TTM) ATLC : $1.90B ENVA : $1.58B
EBITDA (TTM) ATLC : -$235.02M ENVA : $529.82M

Returns By Period

In the year-to-date period, ATLC achieves a -21.63% return, which is significantly lower than ENVA's -13.59% return. Over the past 10 years, ATLC has underperformed ENVA with an annualized return of 32.44%, while ENVA has yielded a comparatively higher 36.52% annualized return.

ATLC

• 1D: 2.24%
• 1M: 0.31%
• YTD: -21.63%
• 6M: -10.43%
• 1Y: 2.58%
• 3Y*: 24.59%
• 5Y*: 11.52%
• 10Y*: 32.44%

ENVA

• 1D: 3.48%
• 1M: -2.32%
• YTD: -13.59%
• 6M: 18.02%
• 1Y: 40.67%
• 3Y*: 45.14%
• 5Y*: 30.35%
• 10Y*: 36.52%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

ATLC vs. ENVA — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

ATLC

ATLC Risk / Return Rank: 42
ATLC Sharpe Ratio Rank: 44
ATLC Sortino Ratio Rank: 42
ATLC Omega Ratio Rank: 40
ATLC Calmar Ratio Rank: 42
ATLC Martin Ratio Rank: 42

ENVA

ENVA Risk / Return Rank: 72
ENVA Sharpe Ratio Rank: 74
ENVA Sortino Ratio Rank: 69
ENVA Omega Ratio Rank: 68
ENVA Calmar Ratio Rank: 74
ENVA Martin Ratio Rank: 74

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ATLC vs. ENVA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Atlanticus Holdings Corporation (ATLC) and Enova International, Inc. (ENVA). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

	ATLC	ENVA	Difference
Sharpe ratio Return per unit of total volatility	0.05	0.97	-0.92
Sortino ratio Return per unit of downside risk	0.45	1.52	-1.07
Omega ratio Gain probability vs. loss probability	1.05	1.20	-0.15
Calmar ratio Return relative to maximum drawdown	0.04	1.67	-1.63
Martin ratio Return relative to average drawdown	0.07	4.19	-4.13
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

ATLC vs. ENVA - Sharpe Ratio Comparison

The current ATLC Sharpe Ratio is 0.05, which is lower than the ENVA Sharpe Ratio of 0.97. The chart below compares the historical Sharpe Ratios of ATLC and ENVA, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	ATLC	ENVA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	0.05	0.97	-0.92
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.21	0.76	-0.55
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	0.48	0.73	-0.26
Sharpe Ratio (All Time) Calculated using the full available price history	0.08	0.30	-0.22

Correlation

The correlation between ATLC and ENVA is 0.27, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

ATLC vs. ENVA - Dividend Comparison

Neither ATLC nor ENVA has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

ATLC vs. ENVA - Drawdown Comparison

The maximum ATLC drawdown since its inception was -97.95%, which is greater than ENVA's maximum drawdown of -81.56%. Use the drawdown chart below to compare losses from any high point for ATLC and ENVA.

Drawdown Indicators

	ATLC	ENVA	Difference
Max Drawdown Largest peak-to-trough decline	-97.95%	-81.56%	-16.39%
Max Drawdown (1Y) Largest decline over 1 year	-37.02%	-24.75%	-12.27%
Max Drawdown (5Y) Largest decline over 5 years	-74.90%	-42.84%	-32.06%
Max Drawdown (10Y) Largest decline over 10 years	-74.90%	-77.57%	+2.67%
Current Drawdown Current decline from peak	-39.92%	-21.20%	-18.72%
Average Drawdown Average peak-to-trough decline	-72.68%	-29.97%	-42.71%
Ulcer Index Depth and duration of drawdowns from previous peaks	19.21%	9.85%	+9.36%

Volatility

ATLC vs. ENVA - Volatility Comparison

Atlanticus Holdings Corporation (ATLC) has a higher volatility of 19.09% compared to Enova International, Inc. (ENVA) at 8.48%. This indicates that ATLC's price experiences larger fluctuations and is considered to be riskier than ENVA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	ATLC	ENVA	Difference
Volatility (1M) Calculated over the trailing 1-month period	19.09%	8.48%	+10.61%
Volatility (6M) Calculated over the trailing 6-month period	37.86%	29.61%	+8.25%
Volatility (1Y) Calculated over the trailing 1-year period	52.28%	42.20%	+10.08%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	54.57%	40.29%	+14.28%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	68.46%	50.09%	+18.37%

Financials