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Side-by-side financial comparison of Diversified Energy Co (DEC) and Enova International, Inc. (ENVA). Click either name above to swap in a different company.

Enova International, Inc. is the larger business by last-quarter revenue ($875.1M vs $666.5M, roughly 1.3× Diversified Energy Co). Diversified Energy Co runs the higher net margin — 29.3% vs 10.4%, a 18.9% gap on every dollar of revenue.

DTE Energy is a Detroit-based diversified energy company involved in the development and management of energy-related businesses and services in the United States and Canada. Its operating units include an electric utility serving 2.2 million customers and a natural gas utility serving 1.3 million customers in Michigan.

Enova International, Inc. is a global fintech firm providing online financial solutions including short-term consumer loans and small business financing. It operates mainly across North America, South America and Europe, using advanced data analytics to assess creditworthiness and deliver tailored products to underserved borrower segments.

DEC vs ENVA — Head-to-Head

Bigger by revenue
ENVA
ENVA
1.3× larger
ENVA
$875.1M
$666.5M
DEC
Higher net margin
DEC
DEC
18.9% more per $
DEC
29.3%
10.4%
ENVA

Income Statement — Q4 FY2025 vs Q1 FY2026

Metric
DEC
DEC
ENVA
ENVA
Revenue
$666.5M
$875.1M
Net Profit
$195.5M
$91.1M
Gross Margin
Operating Margin
37.6%
23.7%
Net Margin
29.3%
10.4%
Revenue YoY
17.4%
Net Profit YoY
24.9%
EPS (diluted)
$3.46

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
DEC
DEC
ENVA
ENVA
Q1 26
$875.1M
Q4 25
$666.5M
$839.4M
Q3 25
$499.8M
$802.7M
Q2 25
$600.3M
$764.0M
Q1 25
$745.5M
Q4 24
$729.6M
Q3 24
$689.9M
Q2 24
$628.4M
Net Profit
DEC
DEC
ENVA
ENVA
Q1 26
$91.1M
Q4 25
$195.5M
$79.0M
Q3 25
$171.1M
$80.3M
Q2 25
$297.7M
$76.1M
Q1 25
$72.9M
Q4 24
$63.7M
Q3 24
$43.4M
Q2 24
$53.9M
Gross Margin
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
59.8%
Q3 25
57.4%
Q2 25
44.7%
57.8%
Q1 25
57.2%
Q4 24
56.6%
Q3 24
58.0%
Q2 24
58.9%
Operating Margin
DEC
DEC
ENVA
ENVA
Q1 26
23.7%
Q4 25
37.6%
22.2%
Q3 25
36.2%
24.5%
Q2 25
48.5%
24.1%
Q1 25
23.1%
Q4 24
21.3%
Q3 24
22.3%
Q2 24
23.1%
Net Margin
DEC
DEC
ENVA
ENVA
Q1 26
10.4%
Q4 25
29.3%
9.4%
Q3 25
34.2%
10.0%
Q2 25
49.6%
10.0%
Q1 25
9.8%
Q4 24
8.7%
Q3 24
6.3%
Q2 24
8.6%
EPS (diluted)
DEC
DEC
ENVA
ENVA
Q1 26
$3.46
Q4 25
$2.94
Q3 25
$2.14
$3.03
Q2 25
$3.67
$2.86
Q1 25
$2.69
Q4 24
$2.29
Q3 24
$1.57
Q2 24
$1.93

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
DEC
DEC
ENVA
ENVA
Cash + ST InvestmentsLiquidity on hand
$29.7M
$96.1M
Total DebtLower is stronger
$2.7B
$4.8B
Stockholders' EquityBook value
$984.1M
Total Assets
$6.2B
$6.9B
Debt / EquityLower = less leverage
2.76×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
DEC
DEC
ENVA
ENVA
Q1 26
$96.1M
Q4 25
$29.7M
$71.7M
Q3 25
$53.6M
Q2 25
$23.7M
$55.6M
Q1 25
$55.5M
Q4 24
$73.9M
Q3 24
$67.5M
Q2 24
$60.1M
Total Debt
DEC
DEC
ENVA
ENVA
Q1 26
$4.8B
Q4 25
$2.7B
$4.5B
Q3 25
$4.1B
Q2 25
$4.0B
Q1 25
$3.8B
Q4 24
$3.6B
Q3 24
$3.3B
Q2 24
$3.2B
Stockholders' Equity
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
$984.1M
$1.3B
Q3 25
$1.3B
Q2 25
$727.7M
$1.2B
Q1 25
$1.2B
Q4 24
$1.2B
Q3 24
$1.2B
Q2 24
$1.1B
Total Assets
DEC
DEC
ENVA
ENVA
Q1 26
$6.9B
Q4 25
$6.2B
$6.5B
Q3 25
$6.0B
Q2 25
$5.7B
$5.7B
Q1 25
$5.5B
Q4 24
$5.3B
Q3 24
$5.0B
Q2 24
$4.8B
Debt / Equity
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
2.76×
3.37×
Q3 25
3.20×
Q2 25
3.23×
Q1 25
3.14×
Q4 24
2.98×
Q3 24
2.79×
Q2 24
2.78×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
DEC
DEC
ENVA
ENVA
Operating Cash FlowLast quarter
$464.6M
Free Cash FlowOCF − Capex
$280.0M
FCF MarginFCF / Revenue
42.0%
Capex IntensityCapex / Revenue
27.7%
Cash ConversionOCF / Net Profit
2.38×
TTM Free Cash FlowTrailing 4 quarters

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
$464.6M
$498.8M
Q3 25
$481.8M
Q2 25
$264.1M
$447.4M
Q1 25
$391.1M
Q4 24
$430.5M
Q3 24
$398.6M
Q2 24
$360.9M
Free Cash Flow
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
$280.0M
$487.1M
Q3 25
$470.5M
Q2 25
$436.1M
Q1 25
$378.3M
Q4 24
$420.3M
Q3 24
$387.6M
Q2 24
$349.9M
FCF Margin
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
42.0%
58.0%
Q3 25
58.6%
Q2 25
57.1%
Q1 25
50.7%
Q4 24
57.6%
Q3 24
56.2%
Q2 24
55.7%
Capex Intensity
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
27.7%
1.4%
Q3 25
1.4%
Q2 25
1.5%
Q1 25
1.7%
Q4 24
1.4%
Q3 24
1.6%
Q2 24
1.8%
Cash Conversion
DEC
DEC
ENVA
ENVA
Q1 26
Q4 25
2.38×
6.32×
Q3 25
6.00×
Q2 25
0.89×
5.87×
Q1 25
5.36×
Q4 24
6.76×
Q3 24
9.18×
Q2 24
6.70×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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