ENVA
Price
$122.66
Change
-$1.14 (-0.92%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
3.1B
28 days until earnings call
NAVI
Price
$12.84
Change
-$0.15 (-1.15%)
Updated
Sep 25, 04:59 PM (EDT)
Capitalization
1.29B
33 days until earnings call
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ENVA vs NAVI

Header iconENVA vs NAVI Comparison
Open Charts ENVA vs NAVIBanner chart's image
Enova International
Price$122.66
Change-$1.14 (-0.92%)
Volume$4.6K
Capitalization3.1B
Navient
Price$12.84
Change-$0.15 (-1.15%)
Volume$9.49K
Capitalization1.29B
ENVA vs NAVI Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. NAVI commentary
Sep 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 Hold and NAVI is a StrongBuy.

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COMPARISON
Comparison
Sep 26, 2025
Stock price -- (ENVA: $123.80 vs. NAVI: $12.99)
Brand notoriety: ENVA and NAVI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 46% vs. NAVI: 65%
Market capitalization -- ENVA: $3.1B vs. NAVI: $1.29B
ENVA [@Savings Banks] is valued at $3.1B. NAVI’s [@Savings Banks] market capitalization is $1.29B. The market cap for tickers in the [@Savings Banks] industry ranges from $657.36B to $0. The average market capitalization across the [@Savings Banks] industry is $22.01B.

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 whileNAVI’s FA Score has 2 green FA rating(s).

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

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 5 TA indicator(s) are bullish while NAVI’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а +0.43% price change this week, while NAVI (@Savings Banks) price change was -0.92% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.33%. For the same industry, the average monthly price growth was +3.36%, and the average quarterly price growth was +37.75%.

Reported Earning Dates

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

NAVI is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Savings Banks (-1.33% 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($3.1B) has a higher market cap than NAVI($1.29B). NAVI has higher P/E ratio than ENVA: NAVI (40.59) vs ENVA (13.20). ENVA YTD gains are higher at: 29.120 vs. NAVI (1.244). ENVA has less debt than NAVI: ENVA (4B) vs NAVI (46.5B). ENVA has higher revenues than NAVI: ENVA (2.93B) vs NAVI (738M).
ENVANAVIENVA / NAVI
Capitalization3.1B1.29B240%
EBITDA388MN/A-
Gain YTD29.1201.2442,341%
P/E Ratio13.2040.5933%
Revenue2.93B738M397%
Total Cash55.6MN/A-
Total Debt4B46.5B9%
FUNDAMENTALS RATINGS
ENVA vs NAVI: Fundamental Ratings
ENVA
NAVI
OUTLOOK RATING
1..100
7767
VALUATION
overvalued / fair valued / undervalued
1..100
74
Overvalued
86
Overvalued
PROFIT vs RISK RATING
1..100
761
SMR RATING
1..100
4318
PRICE GROWTH RATING
1..100
4262
P/E GROWTH RATING
1..100
484
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.

ENVA's Valuation (74) in the Finance Or Rental Or Leasing industry is in the same range as NAVI (86). This means that ENVA’s stock grew similarly to NAVI’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for NAVI (61). This means that ENVA’s stock grew somewhat faster than NAVI’s over the last 12 months.

NAVI's SMR Rating (18) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (43). This means that NAVI’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (42) in the Finance Or Rental Or Leasing industry is in the same range as NAVI (62). This means that ENVA’s stock grew similarly to NAVI’s over the last 12 months.

NAVI's P/E Growth Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (48). This means that NAVI’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVANAVI
RSI
ODDS (%)
Bearish Trend 2 days ago
62%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
60%
Bullish Trend 2 days ago
74%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bearish Trend 2 days ago
59%
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
58%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
62%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bearish Trend 2 days ago
63%
Advances
ODDS (%)
Bullish Trend 8 days ago
75%
Bullish Trend 8 days ago
67%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 3 days ago
58%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 2 days ago
69%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
67%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
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%
-1.23%
OMF - ENVA
83%
Closely correlated
-0.46%
SYF - ENVA
79%
Closely correlated
-0.15%
COF - ENVA
79%
Closely correlated
+0.59%
BFH - ENVA
78%
Closely correlated
-0.56%
SLM - ENVA
72%
Closely correlated
+1.64%
More

NAVI and

Correlation & Price change

A.I.dvisor indicates that over the last year, NAVI has been closely correlated with SLM. These tickers have moved in lockstep 73% of the time. This A.I.-generated data suggests there is a high statistical probability that if NAVI jumps, then SLM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NAVI
1D Price
Change %
NAVI100%
+0.54%
SLM - NAVI
73%
Closely correlated
+1.64%
SYF - NAVI
69%
Closely correlated
-0.15%
OMF - NAVI
68%
Closely correlated
-0.46%
ENVA - NAVI
66%
Closely correlated
-1.23%
BFH - NAVI
65%
Loosely correlated
-0.56%
More