ENVA
Price
$164.67
Change
+$1.53 (+0.94%)
Updated
Dec 24 closing price
Capitalization
4.08B
40 days until earnings call
Intraday BUY SELL Signals
LMFA
Price
$0.51
Change
-$0.01 (-1.92%)
Updated
Dec 24 closing price
Capitalization
7.16M
Intraday BUY SELL Signals
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ENVA vs LMFA

Header iconENVA vs LMFA Comparison
Open Charts ENVA vs LMFABanner chart's image
Enova International
Price$164.67
Change+$1.53 (+0.94%)
Volume$58.64K
Capitalization4.08B
LM Funding America
Price$0.51
Change-$0.01 (-1.92%)
Volume$207.33K
Capitalization7.16M
ENVA vs LMFA Comparison Chart in %
ENVA
Daily Signal:
Gain/Loss:
LMFA
Daily Signal:
Gain/Loss:
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VS
ENVA vs. LMFA commentary
Dec 26, 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 Buy and LMFA is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (ENVA: $164.67 vs. LMFA: $0.51)
Brand notoriety: ENVA and LMFA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 22% vs. LMFA: 18%
Market capitalization -- ENVA: $4.08B vs. LMFA: $7.16M
ENVA [@Savings Banks] is valued at $4.08B. LMFA’s [@Savings Banks] market capitalization is $7.16M. The market cap for tickers in the [@Savings Banks] industry ranges from $684.72B to $0. The average market capitalization across the [@Savings Banks] industry is $23.08B.

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 whileLMFA’s FA Score has 1 green FA rating(s).

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

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 LMFA’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а +0.57% price change this week, while LMFA (@Savings Banks) price change was -29.28% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.58%. For the same industry, the average monthly price growth was +3.25%, and the average quarterly price growth was +3.81%.

Reported Earning Dates

ENVA is expected to report earnings on Feb 04, 2026.

Industries' Descriptions

@Savings Banks (+0.58% 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($4.08B) has a higher market cap than LMFA($7.16M). ENVA YTD gains are higher at: 71.746 vs. LMFA (-76.279). ENVA has higher annual earnings (EBITDA): 424M vs. LMFA (-525.16K). ENVA has more cash in the bank: 53.6M vs. LMFA (315K). LMFA has less debt than ENVA: LMFA (8.62M) vs ENVA (4.14B). ENVA has higher revenues than LMFA: ENVA (3.04B) vs LMFA (14.3M).
ENVALMFAENVA / LMFA
Capitalization4.08B7.16M57,015%
EBITDA424M-525.16K-80,737%
Gain YTD71.746-76.279-94%
P/E Ratio15.22N/A-
Revenue3.04B14.3M21,273%
Total Cash53.6M315K17,016%
Total Debt4.14B8.62M48,022%
FUNDAMENTALS RATINGS
ENVA vs LMFA: Fundamental Ratings
ENVA
LMFA
OUTLOOK RATING
1..100
3452
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
11
Undervalued
PROFIT vs RISK RATING
1..100
4100
SMR RATING
1..100
4095
PRICE GROWTH RATING
1..100
3796
P/E GROWTH RATING
1..100
5392
SEASONALITY SCORE
1..100
50n/a

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.

LMFA's Valuation (11) in the Miscellaneous Commercial Services industry is significantly better than the same rating for ENVA (77) in the Finance Or Rental Or Leasing industry. This means that LMFA’s stock grew significantly faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for LMFA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew significantly faster than LMFA’s over the last 12 months.

ENVA's SMR Rating (40) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (95) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

ENVA's Price Growth Rating (37) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (96) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

ENVA's P/E Growth Rating (53) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (92) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVALMFA
RSI
ODDS (%)
Bearish Trend 3 days ago
73%
Bullish Trend 3 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
63%
Bullish Trend 3 days ago
82%
Momentum
ODDS (%)
Bullish Trend 3 days ago
77%
Bearish Trend 3 days ago
90%
MACD
ODDS (%)
Bullish Trend 3 days ago
70%
Bearish Trend 3 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
75%
Bearish Trend 3 days ago
90%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
70%
Bearish Trend 3 days ago
90%
Advances
ODDS (%)
Bullish Trend 9 days ago
75%
Bullish Trend 24 days ago
87%
Declines
ODDS (%)
N/A
Bearish Trend 3 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
66%
Bullish Trend 3 days ago
90%
Aroon
ODDS (%)
Bullish Trend 3 days ago
68%
Bearish Trend 3 days ago
90%
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ENVA
Daily Signal:
Gain/Loss:
LMFA
Daily Signal:
Gain/Loss:
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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 79% 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%
+0.94%
OMF - ENVA
79%
Closely correlated
+0.41%
COF - ENVA
77%
Closely correlated
+0.27%
SYF - ENVA
74%
Closely correlated
+0.57%
ALLY - ENVA
74%
Closely correlated
-0.30%
AXP - ENVA
73%
Closely correlated
+0.24%
More

LMFA and

Correlation & Price change

A.I.dvisor tells us that LMFA and FCFS have been poorly correlated (+30% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that LMFA and FCFS's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LMFA
1D Price
Change %
LMFA100%
-1.77%
FCFS - LMFA
30%
Poorly correlated
+0.07%
GATX - LMFA
29%
Poorly correlated
+0.45%
ENVA - LMFA
29%
Poorly correlated
+0.94%
EZPW - LMFA
27%
Poorly correlated
+0.45%
SOFI - LMFA
26%
Poorly correlated
+1.07%
More