ENVA vs. IOT
ENVA (Enova International, Inc.) and IOT (Samsara Inc.) are both stocks. ENVA operates in Credit Services (Financial Services), while IOT operates in Software - Infrastructure (Technology). Over the past 3 years, ENVA returned 53.36%/yr vs 3.56%/yr for IOT. At a 0.31 correlation, their price movements are largely independent.
Performance
ENVA vs. IOT - Performance Comparison
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Returns By Period
In the year-to-date period, ENVA achieves a 20.44% return, which is significantly higher than IOT's -5.05% return.
ENVA
- 1D
- -0.14%
- 1M
- 13.51%
- YTD
- 20.44%
- 6M
- 16.35%
- 1Y
- 102.88%
- 3Y*
- 53.36%
- 5Y*
- 39.68%
- 10Y*
- 38.77%
IOT
- 1D
- 4.34%
- 1M
- 20.26%
- YTD
- -5.05%
- 6M
- -18.68%
- 1Y
- -14.15%
- 3Y*
- 3.56%
- 5Y*
- —
- 10Y*
- —
ENVA vs. IOT - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 20.44% | 63.95% | 73.19% | 44.28% | -6.32% | 6.17% |
IOT Samsara Inc. | -5.05% | -18.86% | 30.89% | 168.54% | -55.78% | 12.89% |
Correlation
The correlation between ENVA and IOT is 0.17, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.17 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.28 |
Correlation (All Time) Calculated using the full available price history since Dec 15, 2021 | 0.31 |
The correlation between ENVA and IOT shifts across timeframes, from 0.17 (1 year) to 0.31 (all time), reflecting how their relationship changes across market environments.
Fundamentals
ENVA:
$4.99B
IOT:
$19.78B
ENVA:
$12.29
IOT:
$0.10
ENVA:
15.40
IOT:
338.97
ENVA:
1.53
IOT:
11.26
ENVA:
3.56
IOT:
13.12
ENVA:
$3.28B
IOT:
$1.73B
ENVA:
$1.23B
IOT:
$1.32B
ENVA:
$456.13M
IOT:
-$14.10M
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Return for Risk
ENVA vs. IOT — Risk / Return Rank
ENVA
IOT
ENVA vs. IOT - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Enova International, Inc. (ENVA) and Samsara Inc. (IOT). 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.
| ENVA | IOT | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.90 | ||
| Sortino ratioReturn per unit of downside risk | +3.27 | ||
| Omega ratioGain probability vs. loss probability | 1.40 | 0.99 | +0.41 |
| Calmar ratioReturn relative to maximum drawdown | 4.04 | -0.37 | +4.42 |
| Martin ratioReturn relative to average drawdown | 10.44 | -0.75 | +11.18 |
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Drawdowns
ENVA vs. IOT - Drawdown Comparison
The maximum ENVA drawdown since its inception was -84.26%, which is greater than IOT's maximum drawdown of -70.38%. Use the drawdown chart below to compare losses from any high point for ENVA and IOT.
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Drawdown Indicators
| ENVA | IOT | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.26% | -70.38% | -13.88% |
Max Drawdown (1Y)Largest decline over 1 year | -24.75% | -46.37% | +21.62% |
Max Drawdown (3Y)Largest decline over 3 years | -37.01% | -60.22% | +23.21% |
Max Drawdown (5Y)Largest decline over 5 years | -42.84% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -77.57% | — | — |
Current DrawdownCurrent decline from peak | -0.14% | -44.78% | +44.64% |
Average DrawdownAverage peak-to-trough decline | -31.82% | -31.39% | -0.43% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.57% | 23.26% | -13.69% |
Volatility
ENVA vs. IOT - Volatility Comparison
The current volatility for Enova International, Inc. (ENVA) is 11.26%, while Samsara Inc. (IOT) has a volatility of 19.99%. This indicates that ENVA experiences smaller price fluctuations and is considered to be less risky than IOT based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ENVA | IOT | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.26% | 19.99% | -8.73% |
Volatility (6M)Calculated over the trailing 6-month period | 28.77% | 44.50% | -15.73% |
Volatility (1Y)Calculated over the trailing 1-year period | 38.58% | 57.78% | -19.20% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 40.33% | 65.87% | -25.54% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 49.25% | 65.87% | -16.62% |
Dividends
ENVA vs. IOT - Dividend Comparison
Neither ENVA nor IOT has paid dividends to shareholders.
Financials
ENVA vs. IOT - Financials Comparison
This section allows you to compare key financial metrics between Enova International, Inc. and Samsara 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
ENVA vs. IOT - Profitability Comparison
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%.
IOT - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Samsara Inc. reported a gross profit of 361.14M and revenue of 478.84M. Therefore, the gross margin over that period was 75.4%.
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%.
IOT - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Samsara Inc. reported an operating income of 7.20M and revenue of 478.84M, resulting in an operating margin of 1.5%.
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%.
IOT - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Samsara Inc. reported a net income of 44.51M and revenue of 478.84M, resulting in a net margin of 9.3%.
Frequently Asked Questions
ENVA and IOT have a correlation of 0.17, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
IOT has higher volatility (19.99%) compared to ENVA (11.26%). In terms of maximum drawdown, ENVA dropped -84.26% vs IOT's -70.38%.
ENVA currently has the higher Sharpe Ratio (2.60 vs -0.30), 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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