ENVA vs. SPFI
ENVA (Enova International, Inc.) and SPFI (South Plains Financial, Inc.) are both stocks. Both are in the Financial Services sector — ENVA in Credit Services, SPFI in Banks - Regional. Over the past 5 years, ENVA returned 50.34%/yr vs 16.33%/yr for SPFI. Their 0.45 correlation means their historical movements had little consistent relationship.
Performance
ENVA vs. SPFI - Performance Comparison
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Returns By Period
In the year-to-date period, ENVA achieves a 61.67% return, which is significantly higher than SPFI's 16.97% return.
ENVA
- 1D
- 0.31%
- 1M
- 8.06%
- 6M
- 53.87%
- YTD
- 61.67%
- 1Y
- 152.72%
- 3Y*
- 66.34%
- 5Y*
- 50.34%
- 10Y*
- 39.63%
- ALL TIME*
- 19.49%
SPFI
- 1D
- 0.36%
- 1M
- 5.78%
- 6M
- 8.94%
- YTD
- 16.97%
- 1Y
- 26.56%
- 3Y*
- 21.27%
- 5Y*
- 16.33%
- 10Y*
- —
- ALL TIME*
- 15.40%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $103.70M | $92.49M | $73.43M | |
| $7.02M | $7.04M | $6.12M |
ENVA vs. SPFI - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 61.67% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | -5.54% |
SPFI South Plains Financial, Inc. | 16.97% | 13.56% | 22.25% | 7.42% | 0.68% | 48.66% | -8.31% | 17.65% |
Correlation
The correlation between ENVA and SPFI is 0.46, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.46 |
Correlation (3Y) Balances recent behavior with more history. | 0.51 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.51 |
Correlation (All Time) Calculated using the full available price history since May 9, 2019 | 0.45 |
The correlation between ENVA and SPFI has been stable across timeframes, ranging from 0.45 to 0.51 - a consistent structural relationship.
Fundamentals
ENVA:
$6.33B
SPFI:
$858.50M
ENVA:
$6.04
SPFI:
$3.68
ENVA:
42.09
SPFI:
12.20
ENVA:
2.28
SPFI:
3.45
ENVA:
1.95
SPFI:
2.62
ENVA:
4.47
SPFI:
1.41
ENVA:
$3.45B
SPFI:
$303.11M
ENVA:
$875.65M
SPFI:
$218.32M
ENVA:
$583.25M
SPFI:
$88.26M
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Return for Risk
ENVA vs. SPFI — Risk / Return Rank
ENVA
SPFI
ENVA vs. SPFI - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Enova International, Inc. (ENVA) and South Plains Financial, Inc. (SPFI). 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 | SPFI | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +2.69 | ||
| Sortino ratioReturn per unit of downside risk | +2.75 | ||
| Omega ratioGain probability vs. loss probability | 1.51 | 1.17 | +0.33 |
| Calmar ratioReturn relative to maximum drawdown | 5.82 | 1.81 | +4.01 |
| Martin ratioReturn relative to average drawdown | 15.65 | 3.96 | +11.69 |
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Drawdowns
ENVA vs. SPFI - Drawdown Comparison
The maximum ENVA drawdown since its inception was -84.26%, which is greater than SPFI's maximum drawdown of -46.51%. Use the drawdown chart below to compare losses from any high point for ENVA and SPFI.
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Drawdown Indicators
| ENVA | SPFI | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -84.26% | -46.51% | -37.75% |
Max Drawdown (1Y)Largest decline over 1 year | -24.75% | -12.67% | -12.08% |
Max Drawdown (3Y)Largest decline over 3 years | -35.11% | -23.82% | -11.29% |
Max Drawdown (5Y)Largest decline over 5 years | -42.84% | -38.59% | -4.25% |
Max Drawdown (10Y)Largest decline over 10 years | -77.57% | — | — |
Current DrawdownCurrent decline from peak | 0.00% | -2.04% | +2.04% |
Average DrawdownAverage peak-to-trough decline | -31.49% | -12.14% | -19.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.18% | 5.77% | +3.41% |
Volatility
ENVA vs. SPFI - Volatility Comparison
Enova International, Inc. (ENVA) has a higher volatility of 14.98% compared to South Plains Financial, Inc. (SPFI) at 8.77%. This indicates that ENVA's price experiences larger fluctuations and is considered to be riskier than SPFI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| ENVA | SPFI | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.98% | 8.77% | +6.21% |
Volatility (6M)Calculated over the trailing 6-month period | 29.61% | 17.92% | +11.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 40.15% | 25.77% | +14.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 40.48% | 28.57% | +11.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 48.90% | 37.44% | +11.46% |
Dividends
ENVA vs. SPFI - Dividend Comparison
ENVA has not paid dividends to shareholders, while SPFI's dividend yield for the trailing twelve months is around 1.52%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SPFI South Plains Financial, Inc. | 1.52% | 1.60% | 1.61% | 1.80% | 1.67% | 1.08% | 0.74% | 0.29% |
Financials
ENVA vs. SPFI - Financials Comparison
This section allows you to compare key financial metrics between Enova International, Inc. and South Plains Financial, 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. SPFI - Profitability Comparison
ENVA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Enova International, Inc. reported a gross profit of -866.23M and revenue of 928.93M. Therefore, the gross margin over that period was -93.3%.
SPFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, South Plains Financial, Inc. reported a gross profit of 60.28M and revenue of 80.78M. Therefore, the gross margin over that period was 74.6%.
ENVA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Enova International, Inc. reported an operating income of 237.15M and revenue of 928.93M, resulting in an operating margin of 25.5%.
SPFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, South Plains Financial, Inc. reported an operating income of 24.28M and revenue of 80.78M, resulting in an operating margin of 30.1%.
ENVA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Enova International, Inc. reported a net income of -91.10M and revenue of 928.93M, resulting in a net margin of -9.8%.
SPFI - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, South Plains Financial, Inc. reported a net income of 18.99M and revenue of 80.78M, resulting in a net margin of 23.5%.
Frequently Asked Questions
ENVA and SPFI have a correlation of 0.46, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ENVA has higher volatility (14.98%) compared to SPFI (8.77%). In terms of maximum drawdown, ENVA dropped -84.26% vs SPFI's -46.51%.
ENVA currently has the higher Sharpe Ratio (3.58 vs 0.89), 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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