Enova International [ENVA] vs Upstart Holdings [UPST] Detailed Stock Comparison
Enova International
NYSE
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Upstart Holdings
NASDAQ
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TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: Enova International wins in 14 metrics, Upstart Holdings wins in 4 metrics, with 0 ties. Enova International appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Enova International | Upstart Holdings | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 12.91 | -43.81 | Upstart Holdings |
| Price-to-Book Ratio | 2.47 | 8.40 | Enova International |
| Debt-to-Equity Ratio | 325.25 | 212.94 | Upstart Holdings |
| PEG Ratio | 0.26 | 0.40 | Enova International |
| EV/EBITDA | 20.07 | 1,306.20 | Enova International |
| Profit Margin (TTM) | 18.79% | -0.72% | Enova International |
| Operating Margin (TTM) | 28.25% | 4.65% | Enova International |
| EBITDA Margin (TTM) | 28.25% | 4.65% | Enova International |
| Return on Equity | 21.56% | -0.96% | Enova International |
| Return on Assets (TTM) | 4.86% | -0.49% | Enova International |
| Free Cash Flow (TTM) | $1.50B | $176.34M | Enova International |
| 1-Year Return | 37.36% | 68.55% | Upstart Holdings |
| Price-to-Sales Ratio (TTM) | 2.22 | 6.86 | Enova International |
| Enterprise Value | $6.85B | $7.21B | Upstart Holdings |
| EV/Revenue Ratio | 5.02 | 8.15 | Enova International |
| Gross Profit Margin (TTM) | 46.94% | N/A | N/A |
| Revenue per Share (TTM) | $53 | $10 | Enova International |
| Earnings per Share (Diluted) | $9.38 | $-0.05 | Enova International |
| Beta (Stock Volatility) | 1.52 | 2.38 | Enova International |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Enova International vs Upstart Holdings Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Enova International | 3.83% | -1.45% | 9.05% | 21.50% | 25.21% | 21.34% |
| Upstart Holdings | 0.28% | -1.82% | 4.51% | 21.65% | 33.85% | 10.16% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Enova International | 37.36% | 283.62% | 646.86% | 980.19% | 364.41% | 364.41% |
| Upstart Holdings | 68.55% | 211.53% | 51.92% | 51.92% | 51.92% | 51.92% |
News Based Sentiment: Enova International vs Upstart Holdings
Enova International
News based Sentiment: MIXED
September presented a mixed bag for Enova, with notable insider selling activity from the CEO balanced by institutional investment from Amundi and continued strong analyst ratings. The company also took steps to improve its financial flexibility, but the insider sales introduce a degree of caution for investors.
Upstart Holdings
News based Sentiment: POSITIVE
Upstart delivered exceptional Q2 2025 results, achieving profitability and significantly exceeding growth expectations. This performance led to increased guidance, analyst upgrades, and a positive market reaction, indicating a strong turnaround story and improved investment prospects. The expansion into new lending verticals and continued AI innovation further strengthen the company's position.
Performance & Financial Health Analysis: Enova International vs Upstart Holdings
| Metric | ENVA | UPST |
|---|---|---|
| Market Information | ||
| Market Cap | $3.03B | $6.07B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 255,417 | 6,790,600 |
| 90 Day Avg. Volume | 253,496 | 7,576,563 |
| Last Close | $121.13 | $67.17 |
| 52 Week Range | $78.79 - $124.29 | $31.40 - $96.43 |
| % from 52W High | -2.54% | -30.34% |
| All-Time High | $124.30 (Sep 05, 2025) | $401.49 (Oct 11, 2021) |
| % from All-Time High | -2.55% | -83.27% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.20% | 0.91% |
| Quarterly Earnings Growth | 0.41% | 1.02% |
| Financial Health | ||
| Profit Margin (TTM) | 0.19% | -0.01% |
| Operating Margin (TTM) | 0.28% | 0.05% |
| Return on Equity (TTM) | 0.22% | -0.01% |
| Debt to Equity (MRQ) | 325.25 | 212.94 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $49.01 | $7.51 |
| Cash per Share (MRQ) | $2.56 | $4.16 |
| Operating Cash Flow (TTM) | $1.67B | $-65,234,000 |
| Levered Free Cash Flow (TTM) | $209.45M | $-223,471,008 |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | N/A |
| Last 12-Month Dividend | N/A | N/A |
Valuation & Enterprise Metrics Analysis: Enova International vs Upstart Holdings
| Metric | ENVA | UPST |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 12.91 | -43.81 |
| Forward P/E | 11.15 | 166.00 |
| PEG Ratio | 0.26 | 0.40 |
| Price to Sales (TTM) | 2.22 | 6.86 |
| Price to Book (MRQ) | 2.47 | 8.40 |
| Market Capitalization | ||
| Market Capitalization | $3.03B | $6.07B |
| Enterprise Value | $6.85B | $7.21B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 5.02 | 8.15 |
| Enterprise to EBITDA | 20.07 | 1,306.20 |
| Risk & Other Metrics | ||
| Beta | 1.52 | 2.38 |
| Book Value per Share (MRQ) | $49.01 | $7.51 |
Financial Statements Comparison: Enova International vs Upstart Holdings
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | ENVA | UPST |
|---|---|---|
| Revenue/Sales | $764.04M | $213.37M |
| Cost of Goods Sold | $405.37M | N/A |
| Gross Profit | $358.68M | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | $101.33M | N/A |
| EBITDA | $112.56M | N/A |
| Pre-Tax Income | $101.05M | $-2.42M |
| Income Tax | $24.90M | $29,000 |
| Net Income (Profit) | $76.15M | $-2.45M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | ENVA | UPST |
|---|---|---|
| Cash & Equivalents | $55.51M | $605.37M |
| Total Current Assets | $5.00B | N/A |
| Total Current Liabilities | $237.42M | N/A |
| Long-Term Debt | $3.79B | $1.25B |
| Total Shareholders Equity | $1.20B | $676.64M |
| Retained Earnings | $1.77B | $-413.60M |
| Property, Plant & Equipment | $142.40M | $40.56M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | ENVA | UPST |
|---|---|---|
| Operating Cash Flow | $391.14M | $35.13M |
| Capital Expenditures | N/A | $0 |
| Free Cash Flow | $378.27M | $-19.65M |
| Debt Repayment | $-701.31M | $-133.73M |
| Common Stock Repurchase | $-85.54M | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | ENVA | UPST |
|---|---|---|
| Shares Short | 1.95M | 21.10M |
| Short Ratio | 6.87 | 2.75 |
| Short % of Float | 0.10% | 0.25% |
| Average Daily Volume (10 Day) | 255,417 | 6,790,600 |
| Average Daily Volume (90 Day) | 253,496 | 7,576,563 |
| Shares Outstanding | 25.81M | 93.47M |
| Float Shares | 23.84M | 84.11M |
| % Held by Insiders | 0.05% | 0.12% |
| % Held by Institutions | 0.99% | 0.66% |
Dividend Analysis & Yield Comparison: Enova International vs Upstart Holdings
| Metric | ENVA | UPST |
|---|---|---|
| Last 12-Month Dividend | N/A | N/A |
| Last 12-Month Dividend Yield | N/A | N/A |
| 3-Year Avg Annual Dividend | N/A | N/A |
| 3-Year Avg Dividend Yield | N/A | N/A |
| 3-Year Total Dividends | N/A | N/A |
| Ex-Dividend Date | N/A | N/A |