SPFI vs. ENVA
SPFI (South Plains Financial, Inc.) and ENVA (Enova International, Inc.) are both stocks. Both are in the Financial Services sector — SPFI in Banks - Regional, ENVA in Credit Services. Over the past 5 years, SPFI returned 16.33%/yr vs 50.34%/yr for ENVA. Their 0.45 correlation means their historical movements had little consistent relationship.
Performance
SPFI vs. ENVA - Performance Comparison
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Returns By Period
In the year-to-date period, SPFI achieves a 16.97% return, which is significantly lower than ENVA's 61.67% return.
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%
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%
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 |
SPFI vs. ENVA - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | |
|---|---|---|---|---|---|---|---|---|
SPFI South Plains Financial, Inc. | 16.97% | 13.56% | 22.25% | 7.42% | 0.68% | 48.66% | -8.31% | 17.65% |
ENVA Enova International, Inc. | 61.67% | 63.95% | 73.19% | 44.28% | -6.32% | 65.36% | 2.95% | -5.54% |
Correlation
The correlation between SPFI and ENVA 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 SPFI and ENVA has been stable across timeframes, ranging from 0.45 to 0.51 - a consistent structural relationship.
Fundamentals
SPFI:
$858.50M
ENVA:
$6.33B
SPFI:
$3.68
ENVA:
$6.04
SPFI:
12.20
ENVA:
42.09
SPFI:
3.45
ENVA:
2.28
SPFI:
2.62
ENVA:
1.95
SPFI:
1.41
ENVA:
4.47
SPFI:
$303.11M
ENVA:
$3.45B
SPFI:
$218.32M
ENVA:
$875.65M
SPFI:
$88.26M
ENVA:
$583.25M
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Return for Risk
SPFI vs. ENVA — Risk / Return Rank
SPFI
ENVA
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.
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.
| SPFI | ENVA | 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 | 1.17 | 1.51 | -0.33 |
| Calmar ratioReturn relative to maximum drawdown | 1.81 | 5.82 | -4.01 |
| Martin ratioReturn relative to average drawdown | 3.96 | 15.65 | -11.69 |
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Drawdowns
SPFI vs. ENVA - Drawdown Comparison
The maximum SPFI drawdown since its inception was -46.51%, smaller than the maximum ENVA drawdown of -84.26%. Use the drawdown chart below to compare losses from any high point for SPFI and ENVA.
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Drawdown Indicators
| SPFI | ENVA | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -46.51% | -84.26% | +37.75% |
Max Drawdown (1Y)Largest decline over 1 year | -12.67% | -24.75% | +12.08% |
Max Drawdown (3Y)Largest decline over 3 years | -23.82% | -35.11% | +11.29% |
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 DrawdownCurrent decline from peak | -2.04% | 0.00% | -2.04% |
Average DrawdownAverage peak-to-trough decline | -12.14% | -31.49% | +19.35% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 5.77% | 9.18% | -3.41% |
Volatility
SPFI vs. ENVA - Volatility Comparison
The current volatility for South Plains Financial, Inc. (SPFI) is 8.77%, while Enova International, Inc. (ENVA) has a volatility of 14.98%. 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.
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Volatility by Period
| SPFI | ENVA | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.77% | 14.98% | -6.21% |
Volatility (6M)Calculated over the trailing 6-month period | 17.92% | 29.61% | -11.69% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.77% | 40.15% | -14.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.57% | 40.48% | -11.91% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 37.44% | 48.90% | -11.46% |
Dividends
SPFI vs. ENVA - Dividend Comparison
SPFI's dividend yield for the trailing twelve months is around 1.52%, while ENVA has not paid dividends to shareholders.
| 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
SPFI vs. ENVA - Financials Comparison
This section allows you to compare key financial metrics between South Plains Financial, Inc. 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
SPFI vs. ENVA - Profitability Comparison
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 - 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 - 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 - 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 - 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%.
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%.
Frequently Asked Questions
SPFI and ENVA 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, SPFI dropped -46.51% vs ENVA's -84.26%.
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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