ENVA
Price
$112.92
Change
-$0.71 (-0.62%)
Updated
Jul 21, 04:59 PM (EDT)
Capitalization
1.77B
3 days until earnings call
FCFS
Price
$131.56
Change
-$1.04 (-0.78%)
Updated
Jul 21, 04:59 PM (EDT)
Capitalization
5.75B
3 days until earnings call
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ENVA vs FCFS

Header iconENVA vs FCFS Comparison
Open Charts ENVA vs FCFSBanner chart's image
Enova International
Price$112.92
Change-$0.71 (-0.62%)
Volume$2.75K
Capitalization1.77B
FirstCash Holdings
Price$131.56
Change-$1.04 (-0.78%)
Volume$11.47K
Capitalization5.75B
ENVA vs FCFS Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. FCFS commentary
Jul 22, 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 ENVA is a Hold and FCFS is a Hold.

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COMPARISON
Comparison
Jul 22, 2025
Stock price -- (ENVA: $113.63 vs. FCFS: $132.60)
Brand notoriety: ENVA and FCFS are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 74% vs. FCFS: 88%
Market capitalization -- ENVA: $1.77B vs. FCFS: $5.75B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. FCFS’s [@Finance/Rental/Leasing] market capitalization is $5.75B. 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 $13.11B.

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).

ENVA’s FA Score shows that 1 FA rating(s) are green whileFCFS’s FA Score has 1 green FA rating(s).

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

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.

ENVA’s TA Score shows that 4 TA indicator(s) are bullish while FCFS’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -1.04% price change this week, while FCFS (@Finance/Rental/Leasing) price change was +0.33% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.84%. For the same industry, the average monthly price growth was +6.88%, and the average quarterly price growth was +16.94%.

Reported Earning Dates

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

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

Industries' Descriptions

@Finance/Rental/Leasing (+0.84% 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
FCFS($5.75B) has a higher market cap than ENVA($1.77B). FCFS has higher P/E ratio than ENVA: FCFS (26.15) vs ENVA (11.25). FCFS YTD gains are higher at: 28.786 vs. ENVA (18.513). FCFS has higher annual earnings (EBITDA): 907M vs. ENVA (266M). FCFS has more cash in the bank: 127M vs. ENVA (54.4M). FCFS has less debt than ENVA: FCFS (1.92B) vs ENVA (2.97B). FCFS has higher revenues than ENVA: FCFS (3.15B) vs ENVA (2.12B).
ENVAFCFSENVA / FCFS
Capitalization1.77B5.75B31%
EBITDA266M907M29%
Gain YTD18.51328.78664%
P/E Ratio11.2526.1543%
Revenue2.12B3.15B67%
Total Cash54.4M127M43%
Total Debt2.97B1.92B154%
FUNDAMENTALS RATINGS
ENVA vs FCFS: Fundamental Ratings
ENVA
FCFS
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
98
Overvalued
PROFIT vs RISK RATING
1..100
716
SMR RATING
1..100
4558
PRICE GROWTH RATING
1..100
4148
P/E GROWTH RATING
1..100
4652
SEASONALITY SCORE
1..100
5029

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 (84) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (98). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (16). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's SMR Rating (45) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (58). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's Price Growth Rating (41) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (48). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's P/E Growth Rating (46) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (52). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAFCFS
RSI
ODDS (%)
Bearish Trend 4 days ago
72%
Bearish Trend 4 days ago
56%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
65%
Bullish Trend 4 days ago
73%
Momentum
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
63%
MACD
ODDS (%)
Bearish Trend 4 days ago
68%
Bearish Trend 4 days ago
43%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
67%
Bullish Trend 4 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
72%
Bullish Trend 4 days ago
65%
Advances
ODDS (%)
Bullish Trend 5 days ago
75%
Bullish Trend 4 days ago
65%
Declines
ODDS (%)
N/A
Bearish Trend 7 days ago
61%
BollingerBands
ODDS (%)
Bearish Trend 4 days ago
64%
Bullish Trend 4 days ago
79%
Aroon
ODDS (%)
Bullish Trend 4 days ago
72%
Bullish Trend 4 days ago
58%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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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 83% 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%
-1.10%
OMF - ENVA
83%
Closely correlated
+0.47%
SYF - ENVA
80%
Closely correlated
-0.21%
COF - ENVA
80%
Closely correlated
+0.13%
AXP - ENVA
79%
Closely correlated
N/A
BFH - ENVA
77%
Closely correlated
-1.83%
More

FCFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, FCFS has been loosely correlated with EZPW. These tickers have moved in lockstep 43% of the time. This A.I.-generated data suggests there is some statistical probability that if FCFS jumps, then EZPW could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FCFS
1D Price
Change %
FCFS100%
+0.14%
EZPW - FCFS
43%
Loosely correlated
N/A
R - FCFS
38%
Loosely correlated
-1.22%
SLM - FCFS
35%
Loosely correlated
-0.94%
NAVI - FCFS
34%
Loosely correlated
-1.81%
ENVA - FCFS
34%
Loosely correlated
-1.10%
More