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Side-by-side financial comparison of Enova International, Inc. (ENVA) and Sensata Technologies Holding plc (ST). Click either name above to swap in a different company.

Sensata Technologies Holding plc is the larger business by last-quarter revenue ($934.8M vs $875.1M, roughly 1.1× Enova International, Inc.). Enova International, Inc. runs the higher net margin — 10.4% vs 9.3%, a 1.1% 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 -5.0%).

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.

Sensata Technologies Holding plc is a global industrial technology company that designs, manufactures and sells a broad portfolio of sensing, electrical protection and control solutions. Its products serve automotive, industrial, aerospace, HVAC, telecommunications and heavy vehicle end markets, catering to manufacturing and enterprise clients across the world.

ENVA vs ST — Head-to-Head

Bigger by revenue
ST
ST
1.1× larger
ST
$934.8M
$875.1M
ENVA
Growing faster (revenue YoY)
ENVA
ENVA
+14.8% gap
ENVA
17.4%
2.6%
ST
Higher net margin
ENVA
ENVA
1.1% more per $
ENVA
10.4%
9.3%
ST
Faster 2-yr revenue CAGR
ENVA
ENVA
Annualised
ENVA
18.0%
-5.0%
ST

Income Statement — Q1 FY2026 vs Q1 FY2026

Metric
ENVA
ENVA
ST
ST
Revenue
$875.1M
$934.8M
Net Profit
$91.1M
$87.1M
Gross Margin
30.6%
Operating Margin
23.7%
15.1%
Net Margin
10.4%
9.3%
Revenue YoY
17.4%
2.6%
Net Profit YoY
24.9%
24.6%
EPS (diluted)
$3.46
$0.59

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
ST
ST
Q1 26
$875.1M
$934.8M
Q4 25
$839.4M
$917.9M
Q3 25
$802.7M
$932.0M
Q2 25
$764.0M
$943.4M
Q1 25
$745.5M
$911.3M
Q4 24
$729.6M
$907.7M
Q3 24
$689.9M
$982.8M
Q2 24
$628.4M
$1.0B
Net Profit
ENVA
ENVA
ST
ST
Q1 26
$91.1M
$87.1M
Q4 25
$79.0M
$63.2M
Q3 25
$80.3M
$-162.5M
Q2 25
$76.1M
$60.7M
Q1 25
$72.9M
$69.9M
Q4 24
$63.7M
$5.8M
Q3 24
$43.4M
$-25.0M
Q2 24
$53.9M
$71.7M
Gross Margin
ENVA
ENVA
ST
ST
Q1 26
30.6%
Q4 25
59.8%
29.0%
Q3 25
57.4%
27.8%
Q2 25
57.8%
30.3%
Q1 25
57.2%
29.9%
Q4 24
56.6%
27.1%
Q3 24
58.0%
28.6%
Q2 24
58.9%
30.0%
Operating Margin
ENVA
ENVA
ST
ST
Q1 26
23.7%
15.1%
Q4 25
22.2%
10.9%
Q3 25
24.5%
-13.2%
Q2 25
24.1%
14.6%
Q1 25
23.1%
13.4%
Q4 24
21.3%
8.1%
Q3 24
22.3%
-20.3%
Q2 24
23.1%
12.5%
Net Margin
ENVA
ENVA
ST
ST
Q1 26
10.4%
9.3%
Q4 25
9.4%
6.9%
Q3 25
10.0%
-17.4%
Q2 25
10.0%
6.4%
Q1 25
9.8%
7.7%
Q4 24
8.7%
0.6%
Q3 24
6.3%
-2.5%
Q2 24
8.6%
6.9%
EPS (diluted)
ENVA
ENVA
ST
ST
Q1 26
$3.46
$0.59
Q4 25
$2.94
$0.45
Q3 25
$3.03
$-1.12
Q2 25
$2.86
$0.41
Q1 25
$2.69
$0.47
Q4 24
$2.29
$0.05
Q3 24
$1.57
$-0.17
Q2 24
$1.93
$0.47

Balance Sheet & Financial Strength

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

Metric
ENVA
ENVA
ST
ST
Cash + ST InvestmentsLiquidity on hand
$96.1M
$635.1M
Total DebtLower is stronger
$4.8B
Stockholders' EquityBook value
$2.9B
Total Assets
$6.9B
$6.8B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
ENVA
ENVA
ST
ST
Q1 26
$96.1M
$635.1M
Q4 25
$71.7M
$573.0M
Q3 25
$53.6M
$791.3M
Q2 25
$55.6M
$661.8M
Q1 25
$55.5M
$588.1M
Q4 24
$73.9M
$593.7M
Q3 24
$67.5M
$506.2M
Q2 24
$60.1M
$1.0B
Total Debt
ENVA
ENVA
ST
ST
Q1 26
$4.8B
Q4 25
$4.5B
$2.8B
Q3 25
$4.1B
Q2 25
$4.0B
Q1 25
$3.8B
Q4 24
$3.6B
$3.2B
Q3 24
$3.3B
Q2 24
$3.2B
Stockholders' Equity
ENVA
ENVA
ST
ST
Q1 26
$2.9B
Q4 25
$1.3B
$2.8B
Q3 25
$1.3B
$2.7B
Q2 25
$1.2B
$2.9B
Q1 25
$1.2B
$2.8B
Q4 24
$1.2B
$2.9B
Q3 24
$1.2B
$3.0B
Q2 24
$1.1B
$3.0B
Total Assets
ENVA
ENVA
ST
ST
Q1 26
$6.9B
$6.8B
Q4 25
$6.5B
$6.8B
Q3 25
$6.0B
$7.1B
Q2 25
$5.7B
$7.3B
Q1 25
$5.5B
$7.2B
Q4 24
$5.3B
$7.1B
Q3 24
$5.0B
$7.3B
Q2 24
$4.8B
$8.2B
Debt / Equity
ENVA
ENVA
ST
ST
Q1 26
Q4 25
3.37×
1.02×
Q3 25
3.20×
Q2 25
3.23×
Q1 25
3.14×
Q4 24
2.98×
1.11×
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
ENVA
ENVA
ST
ST
Operating Cash FlowLast quarter
$122.5M
Free Cash FlowOCF − Capex
$104.6M
FCF MarginFCF / Revenue
11.2%
Capex IntensityCapex / Revenue
Cash ConversionOCF / Net Profit
1.41×
TTM Free Cash FlowTrailing 4 quarters
$508.3M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
ENVA
ENVA
ST
ST
Q1 26
$122.5M
Q4 25
$498.8M
$201.5M
Q3 25
$481.8M
$159.9M
Q2 25
$447.4M
$140.9M
Q1 25
$391.1M
$119.2M
Q4 24
$430.5M
$170.7M
Q3 24
$398.6M
$130.9M
Q2 24
$360.9M
$143.5M
Free Cash Flow
ENVA
ENVA
ST
ST
Q1 26
$104.6M
Q4 25
$487.1M
$151.9M
Q3 25
$470.5M
$136.2M
Q2 25
$436.1M
$115.5M
Q1 25
$378.3M
$86.6M
Q4 24
$420.3M
$138.9M
Q3 24
$387.6M
$91.3M
Q2 24
$349.9M
$98.4M
FCF Margin
ENVA
ENVA
ST
ST
Q1 26
11.2%
Q4 25
58.0%
16.6%
Q3 25
58.6%
14.6%
Q2 25
57.1%
12.2%
Q1 25
50.7%
9.5%
Q4 24
57.6%
15.3%
Q3 24
56.2%
9.3%
Q2 24
55.7%
9.5%
Capex Intensity
ENVA
ENVA
ST
ST
Q1 26
Q4 25
1.4%
5.4%
Q3 25
1.4%
2.5%
Q2 25
1.5%
2.7%
Q1 25
1.7%
3.6%
Q4 24
1.4%
3.5%
Q3 24
1.6%
4.0%
Q2 24
1.8%
4.4%
Cash Conversion
ENVA
ENVA
ST
ST
Q1 26
1.41×
Q4 25
6.32×
3.19×
Q3 25
6.00×
Q2 25
5.87×
2.32×
Q1 25
5.36×
1.70×
Q4 24
6.76×
29.50×
Q3 24
9.18×
Q2 24
6.70×
2.00×

Financial Flow Comparison

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

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