SPFI vs. ENVA

Last updated Apr 1, 2026

Compare and contrast key facts about South Plains Financial, Inc. (SPFI) and Enova International, Inc. (ENVA).

Performance

SPFI vs. ENVA - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in South Plains Financial, Inc. (SPFI) and Enova International, Inc. (ENVA). The values are adjusted to include any dividend payments, if applicable.

SPFI vs. ENVA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019
SPFI South Plains Financial, Inc.	8.43%	13.56%	22.25%	7.42%	0.68%	48.66%	-8.31%	18.25%
ENVA Enova International, Inc.	-12.92%	63.95%	73.19%	44.28%	-6.32%	65.36%	2.95%	-4.52%

Fundamentals

Market Cap SPFI : $712.15M ENVA : $3.61B
EPS SPFI : $3.45 ENVA : $11.58
PE Ratio SPFI : 12.15 ENVA : 11.82
PEG Ratio SPFI : 1.93 ENVA : 0.64
PS Ratio SPFI : 2.82 ENVA : 1.16
PB Ratio SPFI : 1.44 ENVA : 2.70
Total Revenue (TTM) SPFI : $252.00M ENVA : $3.15B
Gross Profit (TTM) SPFI : $151.49M ENVA : $1.58B
EBITDA (TTM) SPFI : $59.35M ENVA : $529.82M

Returns By Period

In the year-to-date period, SPFI achieves a 8.43% return, which is significantly higher than ENVA's -12.92% return.

SPFI

• 1D: 0.55%
• 1M: 2.29%
• YTD: 8.43%
• 6M: 9.31%
• 1Y: 28.65%
• 3Y*: 27.43%
• 5Y*: 14.94%
• 10Y*: —

ENVA

• 1D: 0.78%
• 1M: -3.32%
• YTD: -12.92%
• 6M: 21.99%
• 1Y: 37.00%
• 3Y*: 45.51%
• 5Y*: 30.56%
• 10Y*: 36.63%

*Multi-year figures are annualized to reflect compound growth (CAGR)

Return for Risk

SPFI vs. ENVA — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

SPFI

SPFI Risk / Return Rank: 74
SPFI Sharpe Ratio Rank: 75
SPFI Sortino Ratio Rank: 71
SPFI Omega Ratio Rank: 68
SPFI Calmar Ratio Rank: 79
SPFI Martin Ratio Rank: 77

ENVA

ENVA Risk / Return Rank: 69
ENVA Sharpe Ratio Rank: 70
ENVA Sortino Ratio Rank: 65
ENVA Omega Ratio Rank: 64
ENVA Calmar Ratio Rank: 73
ENVA Martin Ratio Rank: 73

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

SPFI vs. ENVA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for South Plains Financial, Inc. (SPFI) 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.

	SPFI	ENVA	Difference
Sharpe ratio Return per unit of total volatility	1.05	0.88	+0.16
Sortino ratio Return per unit of downside risk	1.67	1.42	+0.25
Omega ratio Gain probability vs. loss probability	1.20	1.19	+0.02
Calmar ratio Return relative to maximum drawdown	2.17	1.69	+0.49
Martin ratio Return relative to average drawdown	5.18	4.20	+0.98
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

SPFI vs. ENVA - Sharpe Ratio Comparison

The current SPFI Sharpe Ratio is 1.05, which is comparable to the ENVA Sharpe Ratio of 0.88. The chart below compares the historical Sharpe Ratios of SPFI and ENVA, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.

Sharpe Ratios by Period

	SPFI	ENVA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	1.05	0.88	+0.16
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	0.53	0.76	-0.24
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	—	0.73	—
Sharpe Ratio (All Time) Calculated using the full available price history	0.40	0.30	+0.10

Correlation

The correlation between SPFI and ENVA is 0.45, 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.

Dividends

SPFI vs. ENVA - Dividend Comparison

SPFI's dividend yield for the trailing twelve months is around 1.53%, while ENVA has not paid dividends to shareholders.

	TTM	2025	2024	2023	2022	2021	2020	2019
SPFI South Plains Financial, Inc.	1.53%	1.60%	1.61%	1.80%	1.67%	1.08%	0.74%	0.29%
ENVA Enova International, Inc.	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Drawdowns

SPFI vs. ENVA - Drawdown Comparison

The maximum SPFI drawdown since its inception was -46.51%, smaller than the maximum ENVA drawdown of -81.56%. Use the drawdown chart below to compare losses from any high point for SPFI and ENVA.

Drawdown Indicators

	SPFI	ENVA	Difference
Max Drawdown Largest peak-to-trough decline	-46.51%	-81.56%	+35.05%
Max Drawdown (1Y) Largest decline over 1 year	-13.25%	-24.75%	+11.50%
Max Drawdown (5Y) Largest decline over 5 years	-38.59%	-42.84%	+4.25%
Max Drawdown (10Y) Largest decline over 10 years	—	-77.57%	—
Current Drawdown Current decline from peak	-3.03%	-20.58%	+17.55%
Average Drawdown Average peak-to-trough decline	-12.48%	-29.97%	+17.49%
Ulcer Index Depth and duration of drawdowns from previous peaks	5.56%	9.94%	-4.38%

Volatility

SPFI vs. ENVA - Volatility Comparison

The current volatility for South Plains Financial, Inc. (SPFI) is 4.19%, while Enova International, Inc. (ENVA) has a volatility of 8.54%. This indicates that SPFI 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.

Volatility by Period

	SPFI	ENVA	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.19%	8.54%	-4.35%
Volatility (6M) Calculated over the trailing 6-month period	17.15%	29.02%	-11.87%
Volatility (1Y) Calculated over the trailing 1-year period	27.51%	42.20%	-14.69%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	28.54%	40.28%	-11.74%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	37.89%	50.08%	-12.19%

Financials

SPFI vs. ENVA - Profitability Comparison

The chart below illustrates the profitability comparison between South Plains Financial, Inc. and Enova International, Inc. over time, highlighting three key metrics: Gross Profit Margin, Operating Margin, and Net Profit Margin.

SPFI - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, South Plains Financial, Inc. reported a gross profit of 0.00 and revenue of 32.56M. Therefore, the gross margin over that period was 0.0%.

ENVA - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, Enova International, Inc. reported a gross profit of 501.89M and revenue of 839.39M. Therefore, the gross margin over that period was 59.8%.

SPFI - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, South Plains Financial, Inc. reported an operating income of 0.00 and revenue of 32.56M, resulting in an operating margin of 0.0%.

ENVA - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, Enova International, Inc. reported an operating income of 186.65M and revenue of 839.39M, resulting in an operating margin of 22.2%.

SPFI - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, South Plains Financial, Inc. reported a net income of 15.25M and revenue of 32.56M, resulting in a net margin of 46.9%.

ENVA - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, Enova International, Inc. reported a net income of 78.98M and revenue of 839.39M, resulting in a net margin of 9.4%.