TREE vs. ENVA

Last updated Apr 2, 2026

Compare and contrast key facts about LendingTree, Inc. (TREE) and Enova International, Inc. (ENVA).

Performance

TREE vs. ENVA - Performance Comparison

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

TREE vs. ENVA - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
TREE LendingTree, Inc.	-20.49%	37.01%	27.80%	42.15%	-82.60%	-55.22%	-9.77%	38.20%	-35.51%	235.92%
ENVA Enova International, Inc.	-12.92%	63.95%	73.19%	44.28%	-6.32%	65.36%	2.95%	23.64%	28.03%	21.12%

Fundamentals

Market Cap TREE : $593.56M ENVA : $3.61B
EPS TREE : $11.09 ENVA : $11.58
PE Ratio TREE : 3.81 ENVA : 11.82
PEG Ratio TREE : 0.02 ENVA : 0.64
PS Ratio TREE : 0.52 ENVA : 1.16
PB Ratio TREE : 2.07 ENVA : 2.70
Total Revenue (TTM) TREE : $1.12B ENVA : $3.15B
Gross Profit (TTM) TREE : $1.07B ENVA : $1.58B
EBITDA (TTM) TREE : $140.93M ENVA : $529.82M

Returns By Period

In the year-to-date period, TREE achieves a -20.49% return, which is significantly lower than ENVA's -12.92% return. Over the past 10 years, TREE has underperformed ENVA with an annualized return of -8.02%, while ENVA has yielded a comparatively higher 36.63% annualized return.

TREE

• 1D: -1.56%
• 1M: 11.84%
• YTD: -20.49%
• 6M: -34.75%
• 1Y: -20.00%
• 3Y*: 16.55%
• 5Y*: -28.15%
• 10Y*: -8.02%

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

TREE vs. ENVA — Risk / Return Rank

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

TREE

TREE Risk / Return Rank: 30
TREE Sharpe Ratio Rank: 27
TREE Sortino Ratio Rank: 30
TREE Omega Ratio Rank: 30
TREE Calmar Ratio Rank: 32
TREE Martin Ratio Rank: 32

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.

TREE vs. ENVA - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for LendingTree, Inc. (TREE) 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.

	TREE	ENVA	Difference
Sharpe ratio Return per unit of total volatility	-0.28	0.88	-1.17
Sortino ratio Return per unit of downside risk	0.05	1.42	-1.38
Omega ratio Gain probability vs. loss probability	1.01	1.19	-0.18
Calmar ratio Return relative to maximum drawdown	-0.28	1.69	-1.97
Martin ratio Return relative to average drawdown	-0.56	4.20	-4.76
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month.

TREE vs. ENVA - Sharpe Ratio Comparison

The current TREE Sharpe Ratio is -0.28, which is lower than the ENVA Sharpe Ratio of 0.88. The chart below compares the historical Sharpe Ratios of TREE 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

	TREE	ENVA	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	-0.28	0.88	-1.17
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	-0.38	0.76	-1.15
Sharpe Ratio (10Y) Calculated over the trailing 10-year period	-0.13	0.73	-0.86
Sharpe Ratio (All Time) Calculated using the full available price history	0.17	0.30	-0.13

Correlation

The correlation between TREE and ENVA is 0.36, which is considered to be low. This implies their price changes are not closely related. A low correlation is generally favorable for portfolio diversification, as it helps to reduce overall risk by spreading it across multiple assets with different performance patterns.

Dividends

TREE vs. ENVA - Dividend Comparison

Neither TREE nor ENVA has paid dividends to shareholders.

Tickers have no history of dividend payments

Drawdowns

TREE vs. ENVA - Drawdown Comparison

The maximum TREE drawdown since its inception was -97.59%, which is greater than ENVA's maximum drawdown of -81.56%. Use the drawdown chart below to compare losses from any high point for TREE and ENVA.

Drawdown Indicators

	TREE	ENVA	Difference
Max Drawdown Largest peak-to-trough decline	-97.59%	-81.56%	-16.03%
Max Drawdown (1Y) Largest decline over 1 year	-56.55%	-24.75%	-31.80%
Max Drawdown (5Y) Largest decline over 5 years	-95.76%	-42.84%	-52.92%
Max Drawdown (10Y) Largest decline over 10 years	-97.59%	-77.57%	-20.02%
Current Drawdown Current decline from peak	-90.26%	-20.58%	-69.68%
Average Drawdown Average peak-to-trough decline	-43.40%	-29.97%	-13.43%
Ulcer Index Depth and duration of drawdowns from previous peaks	28.64%	9.94%	+18.70%

Volatility

TREE vs. ENVA - Volatility Comparison

LendingTree, Inc. (TREE) has a higher volatility of 12.93% compared to Enova International, Inc. (ENVA) at 8.54%. This indicates that TREE's price experiences larger fluctuations and is considered to be riskier than ENVA based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	TREE	ENVA	Difference
Volatility (1M) Calculated over the trailing 1-month period	12.93%	8.54%	+4.39%
Volatility (6M) Calculated over the trailing 6-month period	50.78%	29.02%	+21.76%
Volatility (1Y) Calculated over the trailing 1-year period	70.61%	42.20%	+28.41%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	73.76%	40.28%	+33.48%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	64.19%	50.08%	+14.11%

Financials

TREE vs. ENVA - Profitability Comparison

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

TREE - Gross Margin

Gross margin is calculated as gross profit divided by revenue. For the three months ending on Apr 2026, LendingTree, Inc. reported a gross profit of 308.12M and revenue of 319.69M. Therefore, the gross margin over that period was 96.4%.

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%.

TREE - Operating Margin

Operating margin is calculated as operating income divided by revenue. For the three months ending on Apr 2026, LendingTree, Inc. reported an operating income of 22.23M and revenue of 319.69M, resulting in an operating margin of 7.0%.

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%.

TREE - Net Margin

Net margin is calculated as net income divided by revenue. For the three months ending on Apr 2026, LendingTree, Inc. reported a net income of 144.66M and revenue of 319.69M, resulting in a net margin of 45.3%.

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%.