ENVA
Price
$104.26
Change
+$1.16 (+1.13%)
Updated
Aug 11, 04:59 PM (EDT)
Capitalization
2.58B
73 days until earnings call
FCFS
Price
$135.31
Change
+$0.88 (+0.65%)
Updated
Aug 11, 01:59 PM (EDT)
Capitalization
5.96B
73 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$104.26
Change+$1.16 (+1.13%)
Volume$1.21K
Capitalization2.58B
FirstCash Holdings
Price$135.31
Change+$0.88 (+0.65%)
Volume$203
Capitalization5.96B
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
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 ENVA is a StrongBuy and FCFS is a Buy.

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COMPARISON
Comparison
Aug 11, 2025
Stock price -- (ENVA: $103.10 vs. FCFS: $134.44)
Brand notoriety: ENVA and FCFS are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 69% vs. FCFS: 61%
Market capitalization -- ENVA: $2.58B vs. FCFS: $5.96B
ENVA [@Savings Banks] is valued at $2.58B. FCFS’s [@Savings Banks] market capitalization is $5.96B. 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).

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, FCFS 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.

ENVA’s TA Score shows that 4 TA indicator(s) are bullish while FCFS’s TA Score has 7 bullish TA indicator(s).

  • ENVA’s TA Score: 4 bullish, 6 bearish.
  • FCFS’s TA Score: 7 bullish, 3 bearish.
According to our system of comparison, FCFS is a better buy in the short-term than ENVA.

Price Growth

ENVA (@Savings Banks) experienced а +2.53% price change this week, while FCFS (@Savings Banks) price change was +2.56% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.19%. For the same industry, the average monthly price growth was +0.07%, and the average quarterly price growth was +19.73%.

Reported Earning Dates

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

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

Industries' Descriptions

@Savings Banks (-0.19% 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
FCFS($5.96B) has a higher market cap than ENVA($2.58B). FCFS has higher P/E ratio than ENVA: FCFS (20.68) vs ENVA (10.99). FCFS YTD gains are higher at: 30.573 vs. ENVA (7.530). FCFS has higher annual earnings (EBITDA): 969M vs. ENVA (388M). FCFS has more cash in the bank: 101M vs. ENVA (55.6M). FCFS has less debt than ENVA: FCFS (2.02B) vs ENVA (4B). FCFS has higher revenues than ENVA: FCFS (3.39B) vs ENVA (2.93B).
ENVAFCFSENVA / FCFS
Capitalization2.58B5.96B43%
EBITDA388M969M40%
Gain YTD7.53030.57325%
P/E Ratio10.9920.6853%
Revenue2.93B3.39B86%
Total Cash55.6M101M55%
Total Debt4B2.02B198%
FUNDAMENTALS RATINGS
ENVA vs FCFS: Fundamental Ratings
ENVA
FCFS
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
93
Overvalued
PROFIT vs RISK RATING
1..100
1016
SMR RATING
1..100
4257
PRICE GROWTH RATING
1..100
5749
P/E GROWTH RATING
1..100
7157
SEASONALITY SCORE
1..100
8517

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 FCFS (93). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's Profit vs Risk Rating (10) 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 (42) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (57). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

FCFS's Price Growth Rating (49) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (57). This means that FCFS’s stock grew similarly to ENVA’s over the last 12 months.

FCFS's P/E Growth Rating (57) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (71). This means that FCFS’s stock grew similarly to ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAFCFS
RSI
ODDS (%)
Bullish Trend 4 days ago
89%
Bullish Trend 4 days ago
79%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
74%
Bearish Trend 4 days ago
52%
Momentum
ODDS (%)
Bearish Trend 4 days ago
65%
Bullish Trend 4 days ago
66%
MACD
ODDS (%)
Bearish Trend 4 days ago
71%
Bullish Trend 4 days ago
76%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
76%
Bullish Trend 4 days ago
67%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
61%
Bullish Trend 4 days ago
65%
Advances
ODDS (%)
Bullish Trend 6 days ago
75%
Bullish Trend 12 days ago
65%
Declines
ODDS (%)
Bearish Trend 11 days ago
66%
Bearish Trend 4 days ago
61%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
83%
Bullish Trend 4 days ago
76%
Aroon
ODDS (%)
Bearish Trend 4 days ago
67%
Bearish Trend 4 days ago
29%
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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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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 47% 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%
-0.47%
EZPW - FCFS
47%
Loosely correlated
N/A
CACC - FCFS
33%
Poorly correlated
-0.03%
ENVA - FCFS
32%
Poorly correlated
+0.38%
COF - FCFS
32%
Poorly correlated
+0.45%
WRLD - FCFS
31%
Poorly correlated
+0.78%
More