ATLC vs. ENVA
ATLC (Atlanticus Holdings Corporation) and ENVA (Enova International, Inc.) are both stocks. Both operate in the Credit Services industry within the Financial Services sector. Over the past 10 years, ATLC returned 41.56%/yr vs 39.82%/yr for ENVA. At a 0.27 correlation, their price movements are largely independent.
Performance
ATLC vs. ENVA - Performance Comparison
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Returns By Period
In the year-to-date period, ATLC achieves a 48.65% return, which is significantly higher than ENVA's 30.24% return. Both investments have delivered pretty close results over the past 10 years, with ATLC having a 41.56% annualized return and ENVA not far behind at 39.82%.
ATLC
- 1D
- -0.60%
- 1M
- 19.70%
- YTD
- 48.65%
- 6M
- 44.23%
- 1Y
- 95.29%
- 3Y*
- 35.29%
- 5Y*
- 21.76%
- 10Y*
- 41.56%
ENVA
- 1D
- 1.08%
- 1M
- 29.99%
- YTD
- 30.24%
- 6M
- 24.20%
- 1Y
- 107.73%
- 3Y*
- 57.98%
- 5Y*
- 42.82%
- 10Y*
- 39.82%
ATLC vs. ENVA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
ATLC Atlanticus Holdings Corporation | 48.65% | 20.03% | 44.25% | 47.60% | -63.26% | 189.57% | 173.36% | 147.53% | 51.67% | -15.47% |
ENVA Enova International, Inc. | 30.24% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | 23.64% | 28.03% | 21.12% |
Correlation
The correlation between ATLC and ENVA is 0.53, which is moderate. They share some common price drivers but move independently often enough to provide real diversification benefit when combined.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.53 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.52 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.52 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.31 |
Correlation (All Time) Calculated using the full available price history since Nov 13, 2014 | 0.27 |
Over the past year, ATLC and ENVA have become more correlated (0.53) than their long-term average of 0.27, meaning their price movements have been converging.
Fundamentals
ATLC:
$9.21
ENVA:
$12.29
ATLC:
10.80
ENVA:
16.65
ATLC:
1.15
ENVA:
1.66
ATLC:
$1.25B
ENVA:
$3.28B
ATLC:
$961.18M
ENVA:
$1.23B
ATLC:
$28.39M
ENVA:
$456.13M
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Return for Risk
ATLC vs. ENVA — Risk / Return Rank
ATLC
ENVA
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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| ATLC | ENVA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.99 | ||
| Sortino ratioReturn per unit of downside risk | -1.00 | ||
| Omega ratioGain probability vs. loss probability | 1.29 | 1.43 | -0.14 |
| Calmar ratioReturn relative to maximum drawdown | 2.59 | 4.38 | -1.79 |
| Martin ratioReturn relative to average drawdown | 4.97 | 11.30 | -6.33 |
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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 -84.26%. Use the drawdown chart below to compare losses from any high point for ATLC and ENVA.
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Drawdown Indicators
| ATLC | ENVA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -97.95% | -84.26% | -13.69% |
Max Drawdown (1Y)Largest decline over 1 year | -37.02% | -24.75% | -12.27% |
Max Drawdown (3Y)Largest decline over 3 years | -45.06% | -37.01% | -8.05% |
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 DrawdownCurrent decline from peak | -0.60% | 0.00% | -0.60% |
Average DrawdownAverage peak-to-trough decline | -72.17% | -31.77% | -40.40% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 19.24% | 9.57% | +9.67% |
Volatility
ATLC vs. ENVA - Volatility Comparison
Atlanticus Holdings Corporation (ATLC) has a higher volatility of 17.00% compared to Enova International, Inc. (ENVA) at 10.45%. 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.
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Volatility by Period
| ATLC | ENVA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 17.00% | 10.45% | +6.55% |
Volatility (6M)Calculated over the trailing 6-month period | 39.97% | 26.47% | +13.50% |
Volatility (1Y)Calculated over the trailing 1-year period | 52.49% | 38.56% | +13.93% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 54.24% | 40.26% | +13.98% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 68.71% | 49.23% | +19.48% |
Dividends
ATLC vs. ENVA - Dividend Comparison
Neither ATLC nor ENVA has paid dividends to shareholders.
Financials
ATLC vs. ENVA - Financials Comparison
This section allows you to compare key financial metrics between Atlanticus Holdings Corporation and Enova International, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
ATLC vs. ENVA - Profitability Comparison
ATLC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Atlanticus Holdings Corporation reported a gross profit of 650.89M and revenue of 679.53M. Therefore, the gross margin over that period was 95.8%.
ENVA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported a gross profit of 0.00 and revenue of 875.14M. Therefore, the gross margin over that period was 0.0%.
ATLC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Atlanticus Holdings Corporation reported an operating income of 55.00K and revenue of 679.53M, resulting in an operating margin of 0.0%.
ENVA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported an operating income of 207.11M and revenue of 875.14M, resulting in an operating margin of 23.7%.
ATLC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Atlanticus Holdings Corporation reported a net income of 41.87M and revenue of 679.53M, resulting in a net margin of 6.2%.
ENVA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Enova International, Inc. reported a net income of 91.10M and revenue of 875.14M, resulting in a net margin of 10.4%.
Frequently Asked Questions
ATLC and ENVA have a correlation of 0.53, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ATLC has higher volatility (17.00%) compared to ENVA (10.45%). In terms of maximum drawdown, ATLC dropped -97.95% vs ENVA's -84.26%.
ENVA currently has the higher Sharpe Ratio (2.81 vs 1.83), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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