BFH
Price
$58.02
Change
-$0.20 (-0.34%)
Updated
Aug 11, 12:08 PM (EDT)
Capitalization
2.72B
73 days until earnings call
ENVA
Price
$104.14
Change
+$1.04 (+1.01%)
Updated
Aug 11, 01:41 PM (EDT)
Capitalization
2.58B
73 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$58.02
Change-$0.20 (-0.34%)
Volume$100
Capitalization2.72B
Enova International
Price$104.14
Change+$1.04 (+1.01%)
Volume$100
Capitalization2.58B
BFH vs ENVA Comparison Chart in %
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
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BFH vs. ENVA commentary
Aug 11, 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
Aug 11, 2025
Stock price -- (BFH: $58.22 vs. ENVA: $103.10)
Brand notoriety: BFH: Notable vs. ENVA: Not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: BFH: 63% vs. ENVA: 69%
Market capitalization -- BFH: $2.72B vs. ENVA: $2.58B
BFH [@Savings Banks] is valued at $2.72B. ENVA’s [@Savings Banks] market capitalization is $2.58B. The market cap for tickers in the [@Savings Banks] industry ranges from $653.67B to $0. The average market capitalization across the [@Savings Banks] industry is $21.16B.

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, both BFH and ENVA are a bad buy in the long-term.

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 4 bullish TA indicator(s).

  • BFH’s TA Score: 5 bullish, 4 bearish.
  • ENVA’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, BFH is a better buy in the short-term than ENVA.

Price Growth

BFH (@Savings Banks) experienced а +1.52% price change this week, while ENVA (@Savings Banks) price change was +2.53% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.10%. For the same industry, the average monthly price growth was +0.44%, and the average quarterly price growth was +20.09%.

Reported Earning Dates

BFH is expected to report earnings on Oct 23, 2025.

ENVA is expected to report earnings on Oct 23, 2025.

Industries' Descriptions

@Savings Banks (+0.10% 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
BFH($2.72B) has a higher market cap than ENVA($2.58B). ENVA has higher P/E ratio than BFH: ENVA (10.99) vs BFH (9.78). ENVA YTD gains are higher at: 7.530 vs. BFH (-3.573). ENVA has less debt than BFH: ENVA (4B) vs BFH (4.23B).
BFHENVABFH / ENVA
Capitalization2.72B2.58B105%
EBITDAN/A388M-
Gain YTD-3.5737.530-47%
P/E Ratio9.7810.9989%
RevenueN/A2.93B-
Total CashN/A55.6M-
Total Debt4.23B4B106%
FUNDAMENTALS RATINGS
BFH vs ENVA: Fundamental Ratings
BFH
ENVA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
68
Overvalued
PROFIT vs RISK RATING
1..100
6810
SMR RATING
1..100
842
PRICE GROWTH RATING
1..100
5257
P/E GROWTH RATING
1..100
971
SEASONALITY SCORE
1..100
n/a85

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 (68) in the Finance Or Rental Or Leasing industry is in the same range as BFH (77) 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 (10) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for BFH (68) 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 (8) in the Data Processing Services industry is somewhat better than the same rating for ENVA (42) 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 (52) in the Data Processing Services industry is in the same range as ENVA (57) 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 (9) in the Data Processing Services industry is somewhat better than the same rating for ENVA (71) 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 4 days ago
86%
Bullish Trend 4 days ago
89%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
82%
Bullish Trend 4 days ago
74%
Momentum
ODDS (%)
Bearish Trend 4 days ago
72%
Bearish Trend 4 days ago
65%
MACD
ODDS (%)
Bearish Trend 4 days ago
84%
Bearish Trend 4 days ago
71%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
76%
Bullish Trend 4 days ago
76%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
79%
Bearish Trend 4 days ago
61%
Advances
ODDS (%)
Bullish Trend 15 days ago
71%
Bullish Trend 6 days ago
75%
Declines
ODDS (%)
Bearish Trend 5 days ago
78%
Bearish Trend 11 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
69%
Bullish Trend 4 days ago
83%
Aroon
ODDS (%)
Bullish Trend 4 days ago
82%
Bearish Trend 4 days ago
67%
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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%
+1.04%
SYF - BFH
86%
Closely correlated
+1.43%
AXP - BFH
76%
Closely correlated
+0.92%
ENVA - BFH
75%
Closely correlated
+0.38%
OMF - BFH
75%
Closely correlated
+0.40%
ALLY - BFH
73%
Closely correlated
+1.43%
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 82% 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%
+0.38%
OMF - ENVA
82%
Closely correlated
+0.40%
COF - ENVA
79%
Closely correlated
+0.45%
SYF - ENVA
79%
Closely correlated
+1.43%
AXP - ENVA
78%
Closely correlated
+0.92%
BFH - ENVA
75%
Closely correlated
+1.04%
More