BFH
Price
$51.56
Change
+$2.14 (+4.33%)
Updated
Jun 6 closing price
Capitalization
1.84B
47 days until earnings call
ENVA
Price
$96.54
Change
+$2.55 (+2.71%)
Updated
Jun 6 closing price
Capitalization
1.77B
47 days until earnings call
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BFH vs ENVA

Header iconBFH vs ENVA Comparison
Open Charts BFH vs ENVABanner chart's image
Bread Financial Holdings
Price$51.56
Change+$2.14 (+4.33%)
Volume$517.36K
Capitalization1.84B
Enova International
Price$96.54
Change+$2.55 (+2.71%)
Volume$177.53K
Capitalization1.77B
BFH vs ENVA Comparison Chart
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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BFH vs. ENVA commentary
Jun 07, 2025

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 BFH is a Hold and ENVA is a StrongBuy.

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COMPARISON
Comparison
Jun 07, 2025
Stock price -- (BFH: $51.61 vs. ENVA: $93.36)
Brand notoriety: BFH: Notable vs. ENVA: Not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: BFH: 39% vs. ENVA: 82%
Market capitalization -- BFH: $1.84B vs. ENVA: $1.77B
BFH [@Finance/Rental/Leasing] is valued at $1.84B. ENVA’s [@Finance/Rental/Leasing] market capitalization is $1.77B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.03B.

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).

BFH’s FA Score shows that 2 FA rating(s) are green whileENVA’s FA Score has 1 green FA rating(s).

  • BFH’s FA Score: 2 green, 3 red.
  • ENVA’s FA Score: 1 green, 4 red.
According to our system of comparison, BFH is a better buy in the long-term than ENVA.

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.

BFH’s TA Score shows that 5 TA indicator(s) are bullish while ENVA’s TA Score has 5 bullish TA indicator(s).

  • BFH’s TA Score: 5 bullish, 5 bearish.
  • ENVA’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, both BFH and ENVA are a good buy in the short-term.

Price Growth

BFH (@Finance/Rental/Leasing) experienced а +0.62% price change this week, while ENVA (@Finance/Rental/Leasing) price change was +1.02% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.57%. For the same industry, the average monthly price growth was +7.22%, and the average quarterly price growth was +14.30%.

Reported Earning Dates

BFH is expected to report earnings on Jul 24, 2025.

ENVA is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.57% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
BFH($1.84B) and ENVA($1.77B) have the same market capitalization . ENVA has higher P/E ratio than BFH: ENVA (11.25) vs BFH (2.44). ENVA YTD gains are higher at: -2.628 vs. BFH (-14.832). ENVA has less debt than BFH: ENVA (2.97B) vs BFH (5.44B). BFH has higher revenues than ENVA: BFH (4.3B) vs ENVA (2.12B).
BFHENVABFH / ENVA
Capitalization1.84B1.77B104%
EBITDAN/A266M-
Gain YTD-14.832-2.628564%
P/E Ratio2.4411.2522%
Revenue4.3B2.12B203%
Total CashN/A54.4M-
Total Debt5.44B2.97B183%
FUNDAMENTALS RATINGS
BFH vs ENVA: Fundamental Ratings
BFH
ENVA
OUTLOOK RATING
1..100
6462
VALUATION
overvalued / fair valued / undervalued
1..100
87
Overvalued
77
Overvalued
PROFIT vs RISK RATING
1..100
7511
SMR RATING
1..100
751
PRICE GROWTH RATING
1..100
5053
P/E GROWTH RATING
1..100
1050
SEASONALITY SCORE
1..100
5050

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.

ENVA's Valuation (77) in the Finance Or Rental Or Leasing industry is in the same range as BFH (87) in the Data Processing Services industry. This means that ENVA’s stock grew similarly to BFH’s over the last 12 months.

ENVA's Profit vs Risk Rating (11) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for BFH (75) in the Data Processing Services industry. This means that ENVA’s stock grew somewhat faster than BFH’s over the last 12 months.

BFH's SMR Rating (7) in the Data Processing Services industry is somewhat better than the same rating for ENVA (51) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than ENVA’s over the last 12 months.

BFH's Price Growth Rating (50) in the Data Processing Services industry is in the same range as ENVA (53) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ENVA’s over the last 12 months.

BFH's P/E Growth Rating (10) in the Data Processing Services industry is somewhat better than the same rating for ENVA (50) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHENVA
RSI
ODDS (%)
Bearish Trend 11 days ago
71%
N/A
Stochastic
ODDS (%)
Bullish Trend 11 days ago
80%
Bullish Trend 11 days ago
73%
Momentum
ODDS (%)
Bearish Trend 11 days ago
84%
Bearish Trend 11 days ago
69%
MACD
ODDS (%)
Bearish Trend 11 days ago
87%
Bearish Trend 11 days ago
76%
TrendWeek
ODDS (%)
Bearish Trend 11 days ago
80%
Bearish Trend 11 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 11 days ago
77%
Bearish Trend 11 days ago
63%
Advances
ODDS (%)
Bullish Trend 25 days ago
71%
Bullish Trend 26 days ago
76%
Declines
ODDS (%)
Bearish Trend 18 days ago
78%
Bearish Trend 17 days ago
67%
BollingerBands
ODDS (%)
Bearish Trend 11 days ago
83%
Bearish Trend 12 days ago
69%
Aroon
ODDS (%)
Bullish Trend 11 days ago
82%
Bullish Trend 11 days ago
69%
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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BFH and

Correlation & Price change

A.I.dvisor indicates that over the last year, BFH has been closely correlated with SYF. These tickers have moved in lockstep 86% of the time. This A.I.-generated data suggests there is a high statistical probability that if BFH jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BFH
1D Price
Change %
BFH100%
-1.28%
SYF - BFH
86%
Closely correlated
-1.20%
OMF - BFH
75%
Closely correlated
-1.05%
ENVA - BFH
74%
Closely correlated
-1.19%
ALLY - BFH
72%
Closely correlated
+0.35%
SLM - BFH
68%
Closely correlated
-2.47%
More

ENVA and

Correlation & Price change

A.I.dvisor indicates that over the last year, ENVA has been closely correlated with OMF. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
-1.19%
OMF - ENVA
80%
Closely correlated
-1.05%
COF - ENVA
77%
Closely correlated
-0.51%
AXP - ENVA
77%
Closely correlated
-0.14%
SYF - ENVA
76%
Closely correlated
-1.20%
BFH - ENVA
73%
Closely correlated
-1.28%
More