Correlation
The correlation between ENVA and SPFI is 0.40, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.
ENVA vs. SPFI
Compare and contrast key facts about Enova International, Inc. (ENVA) and South Plains Financial, Inc. (SPFI).
Scroll down to visually compare performance, riskiness, drawdowns, and other indicators and decide which better suits your portfolio: ENVA or SPFI.
Performance
ENVA vs. SPFI - Performance Comparison
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Key characteristics
ENVA:
1.44
SPFI:
1.06
ENVA:
2.00
SPFI:
1.68
ENVA:
1.26
SPFI:
1.20
ENVA:
2.18
SPFI:
1.35
ENVA:
5.42
SPFI:
2.98
ENVA:
10.53%
SPFI:
10.77%
ENVA:
40.49%
SPFI:
32.63%
ENVA:
-81.56%
SPFI:
-46.51%
ENVA:
-18.89%
SPFI:
-10.86%
Fundamentals
ENVA:
$2.30B
SPFI:
$564.72M
ENVA:
$8.48
SPFI:
$3.00
ENVA:
10.69
SPFI:
11.60
ENVA:
1.76
SPFI:
2.92
ENVA:
1.92
SPFI:
1.27
ENVA:
$2.79B
SPFI:
$215.21M
ENVA:
$1.30B
SPFI:
$218.91M
ENVA:
$140.19M
SPFI:
$89.66M
Returns By Period
In the year-to-date period, ENVA achieves a -1.46% return, which is significantly lower than SPFI's 3.92% return.
ENVA
-1.46%
-3.47%
-11.19%
57.73%
44.09%
46.00%
17.09%
SPFI
3.92%
6.64%
-6.64%
34.37%
15.61%
24.13%
N/A
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Risk-Adjusted Performance
ENVA vs. SPFI — Risk-Adjusted Performance Rank
ENVA
SPFI
ENVA vs. SPFI - Risk-Adjusted Performance 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.
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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 1.65%.
| TTM | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
SPFI South Plains Financial, Inc. | 1.65% | 1.61% | 1.80% | 1.67% | 1.08% | 0.74% | 0.29% |
Drawdowns
ENVA vs. SPFI - Drawdown Comparison
The maximum ENVA drawdown since its inception was -81.56%, 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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Volatility
ENVA vs. SPFI - Volatility Comparison
Enova International, Inc. (ENVA) has a higher volatility of 12.41% compared to South Plains Financial, Inc. (SPFI) at 6.39%. 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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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 May 2025, Enova International, Inc. reported a gross profit of 345.64M and revenue of 745.54M. Therefore, the gross margin over that period was 46.4%.
SPFI - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on May 2025, South Plains Financial, Inc. reported a gross profit of 49.15M and revenue of 70.55M. Therefore, the gross margin over that period was 69.7%.
ENVA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, Enova International, Inc. reported an operating income of 171.90M and revenue of 745.54M, resulting in an operating margin of 23.1%.
SPFI - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on May 2025, South Plains Financial, Inc. reported an operating income of 15.70M and revenue of 70.55M, resulting in an operating margin of 22.3%.
ENVA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on May 2025, Enova International, Inc. reported a net income of 72.95M and revenue of 745.54M, 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 May 2025, South Plains Financial, Inc. reported a net income of 12.29M and revenue of 70.55M, resulting in a net margin of 17.4%.