RM vs. ENVA
RM (Regional Management Corp.) 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, RM returned 9.68%/yr vs 35.93%/yr for ENVA. At a 0.49 correlation, their price movements are largely independent.
Performance
RM vs. ENVA - Performance Comparison
Loading charts...
Returns By Period
In the year-to-date period, RM achieves a -6.56% return, which is significantly lower than ENVA's 1.08% return. Over the past 10 years, RM has underperformed ENVA with an annualized return of 9.68%, while ENVA has yielded a comparatively higher 35.93% annualized return.
RM
- 1D
- -3.00%
- 1M
- 2.74%
- YTD
- -6.56%
- 6M
- -2.20%
- 1Y
- 39.69%
- 3Y*
- 13.75%
- 5Y*
- -2.37%
- 10Y*
- 9.68%
ENVA
- 1D
- -2.86%
- 1M
- -3.06%
- YTD
- 1.08%
- 6M
- 17.36%
- 1Y
- 69.06%
- 3Y*
- 48.21%
- 5Y*
- 34.17%
- 10Y*
- 35.93%
RM vs. ENVA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
RM Regional Management Corp. | -6.56% | 18.11% | 41.51% | -6.63% | -49.62% | 96.32% | 0.26% | 24.86% | -8.59% | 0.11% |
ENVA Enova International, Inc. | 1.08% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | 23.64% | 28.03% | 21.12% |
Correlation
The correlation between RM and ENVA is 0.61, 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 | 0.61 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.56 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.59 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.52 |
Correlation (All Time) Calculated using the full available price history since Nov 14, 2014 | 0.49 |
The correlation between RM and ENVA shifts across timeframes, from 0.49 (all time) to 0.61 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
RM:
$343.77M
ENVA:
$4.19B
RM:
$4.93
ENVA:
$12.29
RM:
7.21
ENVA:
12.92
RM:
0.54
ENVA:
0.70
RM:
0.53
ENVA:
1.29
RM:
0.91
ENVA:
2.99
RM:
$659.90M
ENVA:
$3.28B
RM:
$430.02M
ENVA:
$1.23B
RM:
$117.08M
ENVA:
$456.13M
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Return for Risk
RM vs. ENVA — Risk / Return Rank
RM
ENVA
RM vs. ENVA - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Regional Management Corp. (RM) 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.
| RM | ENVA | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.00 | 1.84 | -0.84 |
Sortino ratioReturn per unit of downside risk | 1.45 | 2.48 | -1.03 |
Omega ratioGain probability vs. loss probability | 1.20 | 1.31 | -0.11 |
Calmar ratioReturn relative to maximum drawdown | 1.26 | 2.80 | -1.55 |
Martin ratioReturn relative to average drawdown | 2.43 | 7.24 | -4.81 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Loading charts...
Sharpe Ratios by Period
| RM | ENVA | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.00 | 1.84 | -0.84 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.06 | 0.85 | -0.91 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.21 | 0.73 | -0.52 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.16 | 0.32 | -0.16 |
Drawdowns
RM vs. ENVA - Drawdown Comparison
The maximum RM drawdown since its inception was -71.80%, smaller than the maximum ENVA drawdown of -81.56%. Use the drawdown chart below to compare losses from any high point for RM and ENVA.
Loading charts...
Drawdown Indicators
| RM | ENVA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -71.80% | -81.56% | +9.76% |
Max Drawdown (1Y)Largest decline over 1 year | -31.05% | -24.75% | -6.30% |
Max Drawdown (3Y)Largest decline over 3 years | -38.09% | -37.01% | -1.08% |
Max Drawdown (5Y)Largest decline over 5 years | -64.63% | -42.84% | -21.79% |
Max Drawdown (10Y)Largest decline over 10 years | -71.80% | -77.57% | +5.77% |
Current DrawdownCurrent decline from peak | -33.46% | -9.15% | -24.31% |
Average DrawdownAverage peak-to-trough decline | -33.67% | -29.63% | -4.04% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 16.09% | 9.57% | +6.52% |
Volatility
RM vs. ENVA - Volatility Comparison
Regional Management Corp. (RM) and Enova International, Inc. (ENVA) have volatilities of 9.86% and 9.43%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
Loading charts...
Volatility by Period
| RM | ENVA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 9.86% | 9.43% | +0.43% |
Volatility (6M)Calculated over the trailing 6-month period | 30.05% | 27.80% | +2.25% |
Volatility (1Y)Calculated over the trailing 1-year period | 39.94% | 37.72% | +2.22% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 41.68% | 40.23% | +1.45% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 45.86% | 49.30% | -3.44% |
Dividends
RM vs. ENVA - Dividend Comparison
RM's dividend yield for the trailing twelve months is around 3.37%, while ENVA has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|---|
ENVA Enova International, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
RM Regional Management Corp. | 3.37% | 3.10% | 3.53% | 4.78% | 4.27% | 1.65% | 0.67% |
Financials
RM vs. ENVA - Financials Comparison
This section allows you to compare key financial metrics between Regional Management Corp. 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
RM vs. ENVA - Profitability Comparison
RM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Regional Management Corp. reported a gross profit of 167.29M and revenue of 167.29M. Therefore, the gross margin over that period was 100.0%.
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%.
RM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Regional Management Corp. reported an operating income of 37.76M and revenue of 167.29M, resulting in an operating margin of 22.6%.
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%.
RM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Regional Management Corp. reported a net income of 11.40M and revenue of 167.29M, resulting in a net margin of 6.8%.
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
RM and ENVA have a correlation of 0.61, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
RM has higher volatility (9.86%) compared to ENVA (9.43%). In terms of maximum drawdown, RM dropped -71.80% vs ENVA's -81.56%.
ENVA currently has the higher Sharpe Ratio (1.84 vs 1.00), 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.
Find the right allocation for RM and ENVA
Add both to a portfolio and optimize allocations for your target — whether that's maximizing returns, minimizing drawdowns, or balancing risk across holdings.
Open Portfolio Optimizer