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Side-by-side financial comparison of AMCON DISTRIBUTING CO (DIT) 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 $730.1M, roughly 1.2× AMCON DISTRIBUTING CO). Enova International, Inc. runs the higher net margin — 10.4% vs 0.1%, a 10.3% gap on every dollar of revenue. On growth, Enova International, Inc. posted the faster year-over-year revenue change (17.4% vs 2.6%). Over the past eight quarters, Enova International, Inc.'s revenue compounded faster (18.0% CAGR vs 10.1%).

AMCON Distributing Co is a US-based consumer product distribution firm offering groceries, beverages, health and beauty products, tobacco, and general merchandise. It primarily serves independent convenience stores, grocery retailers, pharmacies, and small retail outlets across the continental United States.

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.

DIT vs ENVA — Head-to-Head

Bigger by revenue
ENVA
ENVA
1.2× larger
ENVA
$875.1M
$730.1M
DIT
Growing faster (revenue YoY)
ENVA
ENVA
+14.7% gap
ENVA
17.4%
2.6%
DIT
Higher net margin
ENVA
ENVA
10.3% more per $
ENVA
10.4%
0.1%
DIT
Faster 2-yr revenue CAGR
ENVA
ENVA
Annualised
ENVA
18.0%
10.1%
DIT

Income Statement — Q1 FY2026 vs Q1 FY2026

Metric
DIT
DIT
ENVA
ENVA
Revenue
$730.1M
$875.1M
Net Profit
$793.0K
$91.1M
Gross Margin
6.6%
Operating Margin
0.5%
23.7%
Net Margin
0.1%
10.4%
Revenue YoY
2.6%
17.4%
Net Profit YoY
127.6%
24.9%
EPS (diluted)
$1.28
$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
DIT
DIT
ENVA
ENVA
Q1 26
$875.1M
Q4 25
$730.1M
$839.4M
Q3 25
$746.3M
$802.7M
Q2 25
$739.6M
$764.0M
Q1 25
$619.5M
$745.5M
Q4 24
$711.3M
$729.6M
Q3 24
$746.3M
$689.9M
Q2 24
$717.9M
$628.4M
Net Profit
DIT
DIT
ENVA
ENVA
Q1 26
$91.1M
Q4 25
$793.0K
$79.0M
Q3 25
$491.7K
$80.3M
Q2 25
$1.3M
$76.1M
Q1 25
$-1.6M
$72.9M
Q4 24
$348.4K
$63.7M
Q3 24
$1.2M
$43.4M
Q2 24
$1.5M
$53.9M
Gross Margin
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
6.6%
59.8%
Q3 25
6.5%
57.4%
Q2 25
6.7%
57.8%
Q1 25
6.9%
57.2%
Q4 24
6.6%
56.6%
Q3 24
6.5%
58.0%
Q2 24
6.7%
58.9%
Operating Margin
DIT
DIT
ENVA
ENVA
Q1 26
23.7%
Q4 25
0.5%
22.2%
Q3 25
0.5%
24.5%
Q2 25
0.7%
24.1%
Q1 25
0.1%
23.1%
Q4 24
0.5%
21.3%
Q3 24
0.7%
22.3%
Q2 24
0.8%
23.1%
Net Margin
DIT
DIT
ENVA
ENVA
Q1 26
10.4%
Q4 25
0.1%
9.4%
Q3 25
0.1%
10.0%
Q2 25
0.2%
10.0%
Q1 25
-0.3%
9.8%
Q4 24
0.0%
8.7%
Q3 24
0.2%
6.3%
Q2 24
0.2%
8.6%
EPS (diluted)
DIT
DIT
ENVA
ENVA
Q1 26
$3.46
Q4 25
$1.28
$2.94
Q3 25
$0.80
$3.03
Q2 25
$2.13
$2.86
Q1 25
$-2.58
$2.69
Q4 24
$0.57
$2.29
Q3 24
$2.02
$1.57
Q2 24
$2.46
$1.93

Balance Sheet & Financial Strength

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

Metric
DIT
DIT
ENVA
ENVA
Cash + ST InvestmentsLiquidity on hand
$96.1M
Total DebtLower is stronger
$4.8B
Stockholders' EquityBook value
$114.1M
Total Assets
$378.7M
$6.9B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
DIT
DIT
ENVA
ENVA
Q1 26
$96.1M
Q4 25
$71.7M
Q3 25
$53.6M
Q2 25
$55.6M
Q1 25
$55.5M
Q4 24
$73.9M
Q3 24
$67.5M
Q2 24
$60.1M
Total Debt
DIT
DIT
ENVA
ENVA
Q1 26
$4.8B
Q4 25
$4.5B
Q3 25
$16.5M
$4.1B
Q2 25
$4.0B
Q1 25
$3.8B
Q4 24
$3.6B
Q3 24
$21.8M
$3.3B
Q2 24
$23.3M
$3.2B
Stockholders' Equity
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
$114.1M
$1.3B
Q3 25
$113.1M
$1.3B
Q2 25
$113.2M
$1.2B
Q1 25
$111.4M
$1.2B
Q4 24
$112.4M
$1.2B
Q3 24
$111.7M
$1.2B
Q2 24
$110.0M
$1.1B
Total Assets
DIT
DIT
ENVA
ENVA
Q1 26
$6.9B
Q4 25
$378.7M
$6.5B
Q3 25
$391.1M
$6.0B
Q2 25
$393.9M
$5.7B
Q1 25
$392.0M
$5.5B
Q4 24
$404.7M
$5.3B
Q3 24
$374.1M
$5.0B
Q2 24
$400.6M
$4.8B
Debt / Equity
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
3.37×
Q3 25
0.15×
3.20×
Q2 25
3.23×
Q1 25
3.14×
Q4 24
2.98×
Q3 24
0.19×
2.79×
Q2 24
0.21×
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
DIT
DIT
ENVA
ENVA
Operating Cash FlowLast quarter
$-11.7M
Free Cash FlowOCF − Capex
$-12.4M
FCF MarginFCF / Revenue
-1.7%
Capex IntensityCapex / Revenue
0.1%
Cash ConversionOCF / Net Profit
-14.75×
TTM Free Cash FlowTrailing 4 quarters
$40.6M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
$-11.7M
$498.8M
Q3 25
$31.1M
$481.8M
Q2 25
$-7.0M
$447.4M
Q1 25
$34.4M
$391.1M
Q4 24
$-39.9M
$430.5M
Q3 24
$41.0M
$398.6M
Q2 24
$-26.9M
$360.9M
Free Cash Flow
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
$-12.4M
$487.1M
Q3 25
$30.4M
$470.5M
Q2 25
$-8.8M
$436.1M
Q1 25
$31.4M
$378.3M
Q4 24
$-43.3M
$420.3M
Q3 24
$37.4M
$387.6M
Q2 24
$-32.6M
$349.9M
FCF Margin
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
-1.7%
58.0%
Q3 25
4.1%
58.6%
Q2 25
-1.2%
57.1%
Q1 25
5.1%
50.7%
Q4 24
-6.1%
57.6%
Q3 24
5.0%
56.2%
Q2 24
-4.5%
55.7%
Capex Intensity
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
0.1%
1.4%
Q3 25
0.1%
1.4%
Q2 25
0.2%
1.5%
Q1 25
0.5%
1.7%
Q4 24
0.5%
1.4%
Q3 24
0.5%
1.6%
Q2 24
0.8%
1.8%
Cash Conversion
DIT
DIT
ENVA
ENVA
Q1 26
Q4 25
-14.75×
6.32×
Q3 25
63.32×
6.00×
Q2 25
-5.33×
5.87×
Q1 25
5.36×
Q4 24
-114.43×
6.76×
Q3 24
33.16×
9.18×
Q2 24
-18.05×
6.70×

Financial Flow Comparison

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

Revenue Breakdown by Segment

DIT
DIT

Cigarettes$446.5M61%
Tobacco$143.7M20%
Tobacco Food Service And Other$82.3M11%
Confectionery$46.7M6%
Retail Segment$10.8M1%

ENVA
ENVA

Segment breakdown not available.

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