EPR vs. ENVA
EPR (EPR Properties) and ENVA (Enova International, Inc.) are both stocks. EPR operates in REIT - Retail (Real Estate), while ENVA operates in Credit Services (Financial Services). Over the past 10 years, EPR returned 3.90%/yr vs 38.77%/yr for ENVA. At a 0.31 correlation, their price movements are largely independent.
Performance
EPR vs. ENVA - Performance Comparison
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Returns By Period
In the year-to-date period, EPR achieves a 23.29% return, which is significantly higher than ENVA's 20.44% return. Over the past 10 years, EPR has underperformed ENVA with an annualized return of 3.90%, while ENVA has yielded a comparatively higher 38.77% annualized return.
EPR
- 1D
- 1.17%
- 1M
- 3.94%
- YTD
- 23.29%
- 6M
- 23.59%
- 1Y
- 13.06%
- 3Y*
- 17.65%
- 5Y*
- 9.64%
- 10Y*
- 3.90%
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%
EPR vs. ENVA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
EPR EPR Properties | 23.29% | 20.52% | -1.25% | 38.83% | -14.61% | 50.60% | -52.09% | 17.13% | 3.59% | -3.41% |
ENVA Enova International, Inc. | 20.44% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | 23.64% | 28.03% | 21.12% |
Correlation
The correlation between EPR and ENVA is 0.18, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.18 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.31 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.41 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.33 |
Correlation (All Time) Calculated using the full available price history since Nov 13, 2014 | 0.31 |
The correlation between EPR and ENVA shifts across timeframes, from 0.18 (1 year) to 0.41 (5 years), reflecting how their relationship changes across market environments.
Fundamentals
EPR:
$4.58B
ENVA:
$4.99B
EPR:
$3.55
ENVA:
$12.29
EPR:
16.86
ENVA:
15.40
EPR:
0.36
ENVA:
0.83
EPR:
6.54
ENVA:
1.53
EPR:
1.98
ENVA:
3.56
EPR:
$700.22M
ENVA:
$3.28B
EPR:
$568.77M
ENVA:
$1.23B
EPR:
$582.57M
ENVA:
$456.13M
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Return for Risk
EPR vs. ENVA — Risk / Return Rank
EPR
ENVA
EPR vs. ENVA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for EPR Properties (EPR) 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.
| EPR | ENVA | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.10 | ||
| Sortino ratioReturn per unit of downside risk | -2.36 | ||
| Omega ratioGain probability vs. loss probability | 1.10 | 1.40 | -0.30 |
| Calmar ratioReturn relative to maximum drawdown | 0.58 | 4.04 | -3.47 |
| Martin ratioReturn relative to average drawdown | 1.15 | 10.44 | -9.29 |
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Drawdowns
EPR vs. ENVA - Drawdown Comparison
The maximum EPR drawdown since its inception was -82.02%, roughly equal to the maximum ENVA drawdown of -84.26%. Use the drawdown chart below to compare losses from any high point for EPR and ENVA.
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Drawdown Indicators
| EPR | ENVA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -82.02% | -84.26% | +2.24% |
Max Drawdown (1Y)Largest decline over 1 year | -19.51% | -24.75% | +5.24% |
Max Drawdown (3Y)Largest decline over 3 years | -19.51% | -37.01% | +17.50% |
Max Drawdown (5Y)Largest decline over 5 years | -35.63% | -42.84% | +7.21% |
Max Drawdown (10Y)Largest decline over 10 years | -82.02% | -77.57% | -4.45% |
Current DrawdownCurrent decline from peak | 0.00% | -0.14% | +0.14% |
Average DrawdownAverage peak-to-trough decline | -16.58% | -31.82% | +15.24% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 9.81% | 9.57% | +0.24% |
Volatility
EPR vs. ENVA - Volatility Comparison
The current volatility for EPR Properties (EPR) is 5.14%, while Enova International, Inc. (ENVA) has a volatility of 11.26%. This indicates that EPR experiences smaller price fluctuations and is considered to be less risky 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
| EPR | ENVA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 5.14% | 11.26% | -6.12% |
Volatility (6M)Calculated over the trailing 6-month period | 16.49% | 28.77% | -12.28% |
Volatility (1Y)Calculated over the trailing 1-year period | 22.44% | 38.58% | -16.14% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 26.16% | 40.33% | -14.17% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 42.44% | 49.25% | -6.81% |
Dividends
EPR vs. ENVA - Dividend Comparison
EPR's dividend yield for the trailing twelve months is around 5.99%, while ENVA has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
EPR EPR Properties | 5.99% | 7.05% | 7.68% | 6.81% | 8.62% | 3.16% | 4.66% | 6.37% | 5.62% | 6.23% | 5.35% | 6.21% |
Financials
EPR vs. ENVA - Financials Comparison
This section allows you to compare key financial metrics between EPR Properties 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
EPR vs. ENVA - Profitability Comparison
EPR - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, EPR Properties reported a gross profit of 180.96M and revenue of 181.25M. Therefore, the gross margin over that period was 99.8%.
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%.
EPR - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, EPR Properties reported an operating income of 100.62M and revenue of 181.25M, resulting in an operating margin of 55.5%.
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%.
EPR - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, EPR Properties reported a net income of 62.61M and revenue of 181.25M, resulting in a net margin of 34.5%.
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%.
Frequently Asked Questions
EPR and ENVA have a correlation of 0.18, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
ENVA has higher volatility (11.26%) compared to EPR (5.14%). In terms of maximum drawdown, EPR dropped -82.02% vs ENVA's -84.26%.
ENVA currently has the higher Sharpe Ratio (2.60 vs 0.50), 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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