ATLC
Price
$51.46
Change
-$2.66 (-4.92%)
Updated
Feb 5, 04:59 PM (EDT)
Capitalization
819.46M
41 days until earnings call
Intraday BUY SELL Signals
ENVA
Price
$159.74
Change
+$4.02 (+2.58%)
Updated
Feb 5, 04:59 PM (EDT)
Capitalization
3.85B
82 days until earnings call
Intraday BUY SELL Signals
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ATLC vs ENVA

Header iconATLC vs ENVA Comparison
Open Charts ATLC vs ENVABanner chart's image
Atlanticus Holdings
Price$51.46
Change-$2.66 (-4.92%)
Volume$372
Capitalization819.46M
Enova International
Price$159.74
Change+$4.02 (+2.58%)
Volume$3.11K
Capitalization3.85B
ATLC vs ENVA Comparison Chart in %
ATLC
Daily Signal:
Gain/Loss:
ENVA
Daily Signal:
Gain/Loss:
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VS
ATLC vs. ENVA commentary
Feb 06, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ATLC is a StrongBuy and ENVA is a Hold.

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COMPARISON
Comparison
Feb 06, 2026
Stock price -- (ATLC: $54.12 vs. ENVA: $155.72)
Brand notoriety: ATLC and ENVA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ATLC: 101% vs. ENVA: 200%
Market capitalization -- ATLC: $819.46M vs. ENVA: $3.85B
ATLC [@Savings Banks] is valued at $819.46M. ENVA’s [@Savings Banks] market capitalization is $3.85B. The market cap for tickers in the [@Savings Banks] industry ranges from $634.57B to $0. The average market capitalization across the [@Savings Banks] industry is $20.99B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

ATLC’s FA Score shows that 1 FA rating(s) are green whileENVA’s FA Score has 1 green FA rating(s).

  • ATLC’s FA Score: 1 green, 4 red.
  • ENVA’s FA Score: 1 green, 4 red.
According to our system of comparison, ENVA is a better buy in the long-term than ATLC.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

ATLC’s TA Score shows that 4 TA indicator(s) are bullish while ENVA’s TA Score has 1 bullish TA indicator(s).

  • ATLC’s TA Score: 4 bullish, 6 bearish.
  • ENVA’s TA Score: 1 bullish, 7 bearish.
According to our system of comparison, ATLC is a better buy in the short-term than ENVA.

Price Growth

ATLC (@Savings Banks) experienced а +6.91% price change this week, while ENVA (@Savings Banks) price change was -2.22% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.79%. For the same industry, the average monthly price growth was -7.50%, and the average quarterly price growth was +0.19%.

Reported Earning Dates

ATLC is expected to report earnings on Mar 18, 2026.

ENVA is expected to report earnings on Apr 28, 2026.

Industries' Descriptions

@Savings Banks (-2.79% weekly)

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
ENVA($3.85B) has a higher market cap than ATLC($819M). ENVA has higher P/E ratio than ATLC: ENVA (13.52) vs ATLC (9.61). ENVA YTD gains are higher at: -0.941 vs. ATLC (-19.164). ENVA has less debt than ATLC: ENVA (4.14B) vs ATLC (6.06B). ENVA has higher revenues than ATLC: ENVA (3.04B) vs ATLC (369M).
ATLCENVAATLC / ENVA
Capitalization819M3.85B21%
EBITDAN/A424M-
Gain YTD-19.164-0.9412,035%
P/E Ratio9.6113.5271%
Revenue369M3.04B12%
Total CashN/A53.6M-
Total Debt6.06B4.14B146%
FUNDAMENTALS RATINGS
ATLC vs ENVA: Fundamental Ratings
ATLC
ENVA
OUTLOOK RATING
1..100
668
VALUATION
overvalued / fair valued / undervalued
1..100
38
Fair valued
71
Overvalued
PROFIT vs RISK RATING
1..100
716
SMR RATING
1..100
1239
PRICE GROWTH RATING
1..100
6443
P/E GROWTH RATING
1..100
7865
SEASONALITY SCORE
1..100
9075

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

ATLC's Valuation (38) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (71). This means that ATLC’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (6) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ATLC (71). This means that ENVA’s stock grew somewhat faster than ATLC’s over the last 12 months.

ATLC's SMR Rating (12) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (39). This means that ATLC’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (43) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (64). This means that ENVA’s stock grew similarly to ATLC’s over the last 12 months.

ENVA's P/E Growth Rating (65) in the Finance Or Rental Or Leasing industry is in the same range as ATLC (78). This means that ENVA’s stock grew similarly to ATLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ATLCENVA
RSI
ODDS (%)
Bullish Trend 2 days ago
77%
Bearish Trend 2 days ago
65%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
82%
Bearish Trend 2 days ago
64%
Momentum
ODDS (%)
Bearish Trend 3 days ago
71%
Bearish Trend 2 days ago
67%
MACD
ODDS (%)
Bearish Trend 3 days ago
74%
Bearish Trend 2 days ago
68%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
80%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
75%
Bearish Trend 2 days ago
60%
Advances
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 4 days ago
74%
Declines
ODDS (%)
Bearish Trend 8 days ago
77%
Bearish Trend 2 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
79%
Bearish Trend 2 days ago
68%
Aroon
ODDS (%)
Bearish Trend 2 days ago
86%
Bearish Trend 2 days ago
71%
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ATLC
Daily Signal:
Gain/Loss:
ENVA
Daily Signal:
Gain/Loss:
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ATLC and

Correlation & Price change

A.I.dvisor indicates that over the last year, ATLC has been closely correlated with SYF. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if ATLC jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ATLC
1D Price
Change %
ATLC100%
+2.75%
SYF - ATLC
67%
Closely correlated
+1.79%
AL - ATLC
66%
Closely correlated
-0.05%
ALLY - ATLC
64%
Loosely correlated
+3.04%
URI - ATLC
62%
Loosely correlated
+6.99%
ENVA - ATLC
62%
Loosely correlated
-2.11%
More

ENVA and

Correlation & Price change

A.I.dvisor indicates that over the last year, ENVA has been closely correlated with BFH. These tickers have moved in lockstep 85% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then BFH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
-2.11%
BFH - ENVA
85%
Closely correlated
+1.46%
OMF - ENVA
80%
Closely correlated
-1.39%
ALLY - ENVA
74%
Closely correlated
+3.04%
SLM - ENVA
71%
Closely correlated
+1.68%
AL - ENVA
70%
Closely correlated
-0.05%
More