Compare $DAVE vs $ENVA | Chartloom

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$DAVE vs $ENVA

Dave Inc · Enova International Inc

DAVE

Dave Inc

ENVA

Enova International Inc

Compare $DAVE vs $ENVA

Comparing Dave Inc and Enova International Inc

DAVEDave Inc

ENVAEnova International Inc

DAVEDave Inc

Market cap

$4.68B

P/E (TTM)

22.64x

Forward P/E (NTM)

19.92x

Forward P/S (NTM)

5.65x

Rev growth (TTM)

48.6%

YTD performance

67.9%

52W performance

77.1%

FCF yield

6.8%

ENVAEnova International Inc

Market cap

$4.43B

P/E (TTM)

13.16x

Forward P/E (NTM)

9.08x

Forward P/S (NTM)

1.02x

Rev growth (TTM)

22.5%

YTD performance

9.9%

52W performance

64.6%

FCF yield

44.0%

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Relative performance

Each ticker starts at 100. 110 means +10% from the start of this window — not a $110 share price.

DAVE

ENVA

Detailed metrics comparison

DAVE

Dave Inc

ENVA

Enova International Inc

Market Cap

DAVE$4.68B

ENVA$4.43B

Enterprise Value

DAVE$4.74B

ENVA$9.33B

Price

DAVE$368.42

ENVA$178.07

P/E Ratio

DAVE22.64x

ENVA13.16x

P/S Ratio

DAVE7.28x

ENVA2.15x

EV/Sales

DAVE7.37x

ENVA4.53x

EV/EBITDA

DAVE20.44x

ENVA10.76x

P/B Ratio

DAVE21.26x

ENVA2.88x

P/FCF Ratio

DAVE14.67x

ENVA2.27x

EV/FCF

DAVE14.85x

ENVA4.78x

PEG Ratio

DAVE0.07x

ENVA0.29x

Forward P/E (NTM)

DAVE19.92x

ENVA9.08x

Forward P/S (NTM)

DAVE5.65x

ENVA1.02x

Revenue (TTM)

DAVE$644M

ENVA$2.06B

Revenue Growth (YoY)

DAVE48.6%

ENVA22.5%

Forward Rev Growth

DAVE22.1%

ENVA18.4%

Gross Margin (TTM)

DAVE0.0%

ENVA100.0%

Operating Margin (TTM)

DAVE34.5%

ENVA40.2%

EBITDA Margin (TTM)

DAVE35.7%

ENVA42.1%

Net Margin (TTM)

DAVE34.6%

ENVA17.3%

FCF Margin (TTM)

DAVE49.6%

ENVA94.8%

Net Income (TTM)

DAVE$223M

ENVA$355M

FCF (TTM)

DAVE$319M

ENVA$1.95B

EPS (TTM)

DAVE$16.27

ENVA$13.53

ROE (TTM)

DAVE84.4%

ENVA25.8%

ROA (TTM)

DAVE44.0%

ENVA5.4%

ROIC (TTM)

DAVE51.1%

ENVA5.9%

Cash

DAVE$210M

ENVA$122M

Debt

DAVE$268M

ENVA$5.01B

Net Cash/Debt

DAVE$-59M

ENVA$-4.89B

Current Ratio (TTM)

DAVE4.22x

ENVA20.16x

Quick Ratio (TTM)

DAVE4.16x

ENVA20.16x

Debt/Equity (TTM)

DAVE1.29x

ENVA3.35x

Debt/Assets (TTM)

DAVE0.0%

ENVA0.0%

Interest Coverage (TTM)

DAVEN/A

ENVAN/A

Net Debt/EBITDA (TTM)

DAVE0.00x

ENVA0.00x

Beta

DAVE4.12

ENVA1.40

52W Performance

DAVE77.1%

ENVA64.6%

YTD Performance

DAVE67.9%

ENVA9.9%

% from 52W High

DAVE-19.6%

ENVA-33.4%

% from 52W Low

DAVE142.0%

ENVA72.8%

Asset Turnover (TTM)

DAVE1.27x

ENVA0.31x

FCF Yield (TTM)

DAVE6.8%

ENVA44.0%

Earnings Yield (TTM)

DAVE4.8%

ENVA8.0%

Dividend Yield (TTM)

DAVEN/A

ENVAN/A

Rule of 40

DAVE98.2

ENVA117.3

EV/GP/RG

DAVEN/A

ENVA0.04

Ticker research

View DAVE research View ENVA research

Metric	DAVE Dave Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$4.68B	$4.43B
Enterprise Value	$4.74B	$9.33B
Price	$368.42	$178.07
P/E Ratio	22.64x	13.16x
P/S Ratio	7.28x	2.15x
EV/Sales	7.37x	4.53x
EV/EBITDA	20.44x	10.76x
P/B Ratio	21.26x	2.88x
P/FCF Ratio	14.67x	2.27x
EV/FCF	14.85x	4.78x
PEG Ratio	0.07x	0.29x
Forward P/E (NTM)	19.92x	9.08x
Forward P/S (NTM)	5.65x	1.02x
Revenue & Growth
Revenue (TTM)	$644M	$2.06B
Revenue Growth (YoY)	48.6%	22.5%
Forward Rev Growth	22.1%	18.4%
Profitability
Gross Margin (TTM)	0.0%	100.0%
Operating Margin (TTM)	34.5%	40.2%
EBITDA Margin (TTM)	35.7%	42.1%
Net Margin (TTM)	34.6%	17.3%
FCF Margin (TTM)	49.6%	94.8%
Net Income (TTM)	$223M	$355M
FCF (TTM)	$319M	$1.95B
EPS (TTM)	$16.27	$13.53
ROE (TTM)	84.4%	25.8%
ROA (TTM)	44.0%	5.4%
ROIC (TTM)	51.1%	5.9%
Financial Health
Cash	$210M	$122M
Debt	$268M	$5.01B
Net Cash/Debt	$-59M	$-4.89B
Current Ratio (TTM)	4.22x	20.16x
Quick Ratio (TTM)	4.16x	20.16x
Debt/Equity (TTM)	1.29x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	4.12	1.40
52W Performance	77.1%	64.6%
YTD Performance	67.9%	9.9%
% from 52W High	-19.6%	-33.4%
% from 52W Low	142.0%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	1.27x	0.31x
FCF Yield (TTM)	6.8%	44.0%
Earnings Yield (TTM)	4.8%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	98.2	117.3
EV/GP/RG	N/A	0.04
Ticker research	View DAVE research	View ENVA research

Valuation

P/E Ratio

ENVA

13.16x

DAVE

22.64x

P/S Ratio

ENVA

2.15x

DAVE

7.28x

EV/FCF

ENVA

4.78x

DAVE

14.85x

Growth & revenue

Revenue Growth TTM

DAVE

48.6%

ENVA

22.5%

Forward Revenue Growth

DAVE

22.1%

ENVA

18.4%

Profitability & performance

Gross Margin

ENVA

100.0%

DAVE

0.0%

ROE

DAVE

84.4%

ENVA

25.8%

FCF Yield %

ENVA

44.0%

DAVE

6.8%

52-Week Performance

DAVE

77.1%

ENVA

64.6%

Detailed metrics comparison

DAVE

Dave Inc

ENVA

Enova International Inc

Market Cap

DAVE$4.68B

ENVA$4.43B

Enterprise Value

DAVE$4.74B

ENVA$9.33B

Price

DAVE$368.42

ENVA$178.07

P/E Ratio

DAVE22.64x

ENVA13.16x

P/S Ratio

DAVE7.28x

ENVA2.15x

EV/Sales

DAVE7.37x

ENVA4.53x

EV/EBITDA

DAVE20.44x

ENVA10.76x

P/B Ratio

DAVE21.26x

ENVA2.88x

P/FCF Ratio

DAVE14.67x

ENVA2.27x

EV/FCF

DAVE14.85x

ENVA4.78x

PEG Ratio

DAVE0.07x

ENVA0.29x

Forward P/E (NTM)

DAVE19.92x

ENVA9.08x

Forward P/S (NTM)

DAVE5.65x

ENVA1.02x

Revenue (TTM)

DAVE$644M

ENVA$2.06B

Revenue Growth (YoY)

DAVE48.6%

ENVA22.5%

Forward Rev Growth

DAVE22.1%

ENVA18.4%

Gross Margin (TTM)

DAVE0.0%

ENVA100.0%

Operating Margin (TTM)

DAVE34.5%

ENVA40.2%

EBITDA Margin (TTM)

DAVE35.7%

ENVA42.1%

Net Margin (TTM)

DAVE34.6%

ENVA17.3%

FCF Margin (TTM)

DAVE49.6%

ENVA94.8%

Net Income (TTM)

DAVE$223M

ENVA$355M

FCF (TTM)

DAVE$319M

ENVA$1.95B

EPS (TTM)

DAVE$16.27

ENVA$13.53

ROE (TTM)

DAVE84.4%

ENVA25.8%

ROA (TTM)

DAVE44.0%

ENVA5.4%

ROIC (TTM)

DAVE51.1%

ENVA5.9%

Cash

DAVE$210M

ENVA$122M

Debt

DAVE$268M

ENVA$5.01B

Net Cash/Debt

DAVE$-59M

ENVA$-4.89B

Current Ratio (TTM)

DAVE4.22x

ENVA20.16x

Quick Ratio (TTM)

DAVE4.16x

ENVA20.16x

Debt/Equity (TTM)

DAVE1.29x

ENVA3.35x

Debt/Assets (TTM)

DAVE0.0%

ENVA0.0%

Interest Coverage (TTM)

DAVEN/A

ENVAN/A

Net Debt/EBITDA (TTM)

DAVE0.00x

ENVA0.00x

Beta

DAVE4.12

ENVA1.40

52W Performance

DAVE77.1%

ENVA64.6%

YTD Performance

DAVE67.9%

ENVA9.9%

% from 52W High

DAVE-19.6%

ENVA-33.4%

% from 52W Low

DAVE142.0%

ENVA72.8%

Asset Turnover (TTM)

DAVE1.27x

ENVA0.31x

FCF Yield (TTM)

DAVE6.8%

ENVA44.0%

Earnings Yield (TTM)

DAVE4.8%

ENVA8.0%

Dividend Yield (TTM)

DAVEN/A

ENVAN/A

Rule of 40

DAVE98.2

ENVA117.3

EV/GP/RG

DAVEN/A

ENVA0.04

Ticker research

View DAVE research View ENVA research

Metric	DAVE Dave Inc	ENVA Enova International Inc
Market & Valuation
Market Cap	$4.68B	$4.43B
Enterprise Value	$4.74B	$9.33B
Price	$368.42	$178.07
P/E Ratio	22.64x	13.16x
P/S Ratio	7.28x	2.15x
EV/Sales	7.37x	4.53x
EV/EBITDA	20.44x	10.76x
P/B Ratio	21.26x	2.88x
P/FCF Ratio	14.67x	2.27x
EV/FCF	14.85x	4.78x
PEG Ratio	0.07x	0.29x
Forward P/E (NTM)	19.92x	9.08x
Forward P/S (NTM)	5.65x	1.02x
Revenue & Growth
Revenue (TTM)	$644M	$2.06B
Revenue Growth (YoY)	48.6%	22.5%
Forward Rev Growth	22.1%	18.4%
Profitability
Gross Margin (TTM)	0.0%	100.0%
Operating Margin (TTM)	34.5%	40.2%
EBITDA Margin (TTM)	35.7%	42.1%
Net Margin (TTM)	34.6%	17.3%
FCF Margin (TTM)	49.6%	94.8%
Net Income (TTM)	$223M	$355M
FCF (TTM)	$319M	$1.95B
EPS (TTM)	$16.27	$13.53
ROE (TTM)	84.4%	25.8%
ROA (TTM)	44.0%	5.4%
ROIC (TTM)	51.1%	5.9%
Financial Health
Cash	$210M	$122M
Debt	$268M	$5.01B
Net Cash/Debt	$-59M	$-4.89B
Current Ratio (TTM)	4.22x	20.16x
Quick Ratio (TTM)	4.16x	20.16x
Debt/Equity (TTM)	1.29x	3.35x
Debt/Assets (TTM)	0.0%	0.0%
Interest Coverage (TTM)	N/A	N/A
Net Debt/EBITDA (TTM)	0.00x	0.00x
Performance
Beta	4.12	1.40
52W Performance	77.1%	64.6%
YTD Performance	67.9%	9.9%
% from 52W High	-19.6%	-33.4%
% from 52W Low	142.0%	72.8%
Efficiency & Yields
Asset Turnover (TTM)	1.27x	0.31x
FCF Yield (TTM)	6.8%	44.0%
Earnings Yield (TTM)	4.8%	8.0%
Dividend Yield (TTM)	N/A	N/A
Other
Rule of 40	98.2	117.3
EV/GP/RG	N/A	0.04
Ticker research	View DAVE research	View ENVA research