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Side-by-side financial comparison of Enova International, Inc. (ENVA) and Dave & Buster's Entertainment, Inc. (PLAY). Click either name above to swap in a different company.

Enova International, Inc. is the larger business by last-quarter revenue ($875.1M vs $448.2M, roughly 2.0× Dave & Buster's Entertainment, Inc.). Enova International, Inc. runs the higher net margin — 10.4% vs -9.4%, a 19.8% gap on every dollar of revenue. On growth, Enova International, Inc. posted the faster year-over-year revenue change (17.4% vs -1.1%). Over the past eight quarters, Enova International, Inc.'s revenue compounded faster (18.0% CAGR vs -13.5%).

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.

Dave & Buster's Entertainment, Inc. is an American restaurant and entertainment business headquartered in Dallas. Each Dave & Buster's location has a full-service restaurant, full bar, and a video arcade, the latter of which is known as the "Million Dollar Midway". As of February 2024, the company has 158 locations in the United States, as well as two in Puerto Rico and two in Canada.

ENVA vs PLAY — Head-to-Head

Bigger by revenue
ENVA
ENVA
2.0× larger
ENVA
$875.1M
$448.2M
PLAY
Growing faster (revenue YoY)
ENVA
ENVA
+18.4% gap
ENVA
17.4%
-1.1%
PLAY
Higher net margin
ENVA
ENVA
19.8% more per $
ENVA
10.4%
-9.4%
PLAY
Faster 2-yr revenue CAGR
ENVA
ENVA
Annualised
ENVA
18.0%
-13.5%
PLAY

Income Statement — Q1 FY2026 vs Q3 FY2026

Metric
ENVA
ENVA
PLAY
PLAY
Revenue
$875.1M
$448.2M
Net Profit
$91.1M
$-42.1M
Gross Margin
85.8%
Operating Margin
23.7%
-3.6%
Net Margin
10.4%
-9.4%
Revenue YoY
17.4%
-1.1%
Net Profit YoY
24.9%
-28.7%
EPS (diluted)
$3.46
$-1.22

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
ENVA
ENVA
PLAY
PLAY
Q1 26
$875.1M
Q4 25
$839.4M
$448.2M
Q3 25
$802.7M
$557.4M
Q2 25
$764.0M
$567.7M
Q1 25
$745.5M
$534.5M
Q4 24
$729.6M
$453.0M
Q3 24
$689.9M
$557.1M
Q2 24
$628.4M
$588.1M
Net Profit
ENVA
ENVA
PLAY
PLAY
Q1 26
$91.1M
Q4 25
$79.0M
$-42.1M
Q3 25
$80.3M
$11.4M
Q2 25
$76.1M
$21.7M
Q1 25
$72.9M
$9.3M
Q4 24
$63.7M
$-32.7M
Q3 24
$43.4M
$40.3M
Q2 24
$53.9M
$41.4M
Gross Margin
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
59.8%
85.8%
Q3 25
57.4%
86.3%
Q2 25
57.8%
85.5%
Q1 25
57.2%
85.5%
Q4 24
56.6%
85.0%
Q3 24
58.0%
85.3%
Q2 24
58.9%
85.2%
Operating Margin
ENVA
ENVA
PLAY
PLAY
Q1 26
23.7%
Q4 25
22.2%
-3.6%
Q3 25
24.5%
9.5%
Q2 25
24.1%
11.1%
Q1 25
23.1%
8.3%
Q4 24
21.3%
1.4%
Q3 24
22.3%
15.2%
Q2 24
23.1%
14.5%
Net Margin
ENVA
ENVA
PLAY
PLAY
Q1 26
10.4%
Q4 25
9.4%
-9.4%
Q3 25
10.0%
2.0%
Q2 25
10.0%
3.8%
Q1 25
9.8%
1.7%
Q4 24
8.7%
-7.2%
Q3 24
6.3%
7.2%
Q2 24
8.6%
7.0%
EPS (diluted)
ENVA
ENVA
PLAY
PLAY
Q1 26
$3.46
Q4 25
$2.94
$-1.22
Q3 25
$3.03
$0.32
Q2 25
$2.86
$0.62
Q1 25
$2.69
$0.32
Q4 24
$2.29
$-0.84
Q3 24
$1.57
$0.99
Q2 24
$1.93
$0.99

Balance Sheet & Financial Strength

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

Metric
ENVA
ENVA
PLAY
PLAY
Cash + ST InvestmentsLiquidity on hand
$96.1M
$13.6M
Total DebtLower is stronger
$4.8B
$1.6B
Stockholders' EquityBook value
$130.8M
Total Assets
$6.9B
$4.1B
Debt / EquityLower = less leverage
12.17×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
ENVA
ENVA
PLAY
PLAY
Q1 26
$96.1M
Q4 25
$71.7M
$13.6M
Q3 25
$53.6M
$12.0M
Q2 25
$55.6M
$11.9M
Q1 25
$55.5M
$6.9M
Q4 24
$73.9M
$8.6M
Q3 24
$67.5M
$13.1M
Q2 24
$60.1M
$32.1M
Total Debt
ENVA
ENVA
PLAY
PLAY
Q1 26
$4.8B
Q4 25
$4.5B
$1.6B
Q3 25
$4.1B
$1.6B
Q2 25
$4.0B
$1.6B
Q1 25
$3.8B
$1.5B
Q4 24
$3.6B
$1.5B
Q3 24
$3.3B
$1.3B
Q2 24
$3.2B
$1.3B
Stockholders' Equity
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
$1.3B
$130.8M
Q3 25
$1.3B
$166.2M
Q2 25
$1.2B
$146.8M
Q1 25
$1.2B
$145.8M
Q4 24
$1.2B
$226.6M
Q3 24
$1.2B
$284.4M
Q2 24
$1.1B
$292.5M
Total Assets
ENVA
ENVA
PLAY
PLAY
Q1 26
$6.9B
Q4 25
$6.5B
$4.1B
Q3 25
$6.0B
$4.1B
Q2 25
$5.7B
$4.1B
Q1 25
$5.5B
$4.0B
Q4 24
$5.3B
$3.9B
Q3 24
$5.0B
$3.8B
Q2 24
$4.8B
$3.8B
Debt / Equity
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
3.37×
12.17×
Q3 25
3.20×
9.57×
Q2 25
3.23×
10.98×
Q1 25
3.14×
10.45×
Q4 24
2.98×
6.58×
Q3 24
2.79×
4.72×
Q2 24
2.78×
4.58×

Cash Flow & Capital Efficiency

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

Metric
ENVA
ENVA
PLAY
PLAY
Operating Cash FlowLast quarter
$58.0M
Free Cash FlowOCF − Capex
$-20.6M
FCF MarginFCF / Revenue
-4.6%
Capex IntensityCapex / Revenue
17.5%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$-195.6M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
$498.8M
$58.0M
Q3 25
$481.8M
$34.0M
Q2 25
$447.4M
$95.8M
Q1 25
$391.1M
$108.9M
Q4 24
$430.5M
$-7.2M
Q3 24
$398.6M
$101.8M
Q2 24
$360.9M
$108.8M
Free Cash Flow
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
$487.1M
$-20.6M
Q3 25
$470.5M
$-55.2M
Q2 25
$436.1M
$-58.8M
Q1 25
$378.3M
$-61.0M
Q4 24
$420.3M
$-138.4M
Q3 24
$387.6M
$-14.3M
Q2 24
$349.9M
$-4.2M
FCF Margin
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
58.0%
-4.6%
Q3 25
58.6%
-9.9%
Q2 25
57.1%
-10.4%
Q1 25
50.7%
-11.4%
Q4 24
57.6%
-30.6%
Q3 24
56.2%
-2.6%
Q2 24
55.7%
-0.7%
Capex Intensity
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
1.4%
17.5%
Q3 25
1.4%
16.0%
Q2 25
1.5%
27.2%
Q1 25
1.7%
31.8%
Q4 24
1.4%
29.0%
Q3 24
1.6%
20.8%
Q2 24
1.8%
19.2%
Cash Conversion
ENVA
ENVA
PLAY
PLAY
Q1 26
Q4 25
6.32×
Q3 25
6.00×
2.98×
Q2 25
5.87×
4.41×
Q1 25
5.36×
11.71×
Q4 24
6.76×
Q3 24
9.18×
2.53×
Q2 24
6.70×
2.63×

Financial Flow Comparison

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

Revenue Breakdown by Segment

ENVA
ENVA

Segment breakdown not available.

PLAY
PLAY

Game Play Credit Usage$273.1M61%
Food And Nonalcoholic Beverages$115.1M26%
Alcoholic Beverage$53.7M12%
Other Entertainment$6.3M1%
Gift Card Revenue$3.5M1%

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