ENVA
Price
$121.93
Change
-$0.90 (-0.73%)
Updated
Sep 26 closing price
Capitalization
3.05B
26 days until earnings call
OPFI
Price
$12.10
Change
-$0.14 (-1.14%)
Updated
Sep 26 closing price
Capitalization
343.13M
40 days until earnings call
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ENVA vs OPFI

Header iconENVA vs OPFI Comparison
Open Charts ENVA vs OPFIBanner chart's image
Enova International
Price$121.93
Change-$0.90 (-0.73%)
Volume$152.56K
Capitalization3.05B
OppFi
Price$12.10
Change-$0.14 (-1.14%)
Volume$927.91K
Capitalization343.13M
ENVA vs OPFI Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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OPFI
Daily Signalchanged days ago
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ENVA vs. OPFI commentary
Sep 27, 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 OPFI is a Buy.

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COMPARISON
Comparison
Sep 27, 2025
Stock price -- (ENVA: $121.93 vs. OPFI: $12.10)
Brand notoriety: ENVA and OPFI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 47% vs. OPFI: 86%
Market capitalization -- ENVA: $3.05B vs. OPFI: $343.13M
ENVA [@Savings Banks] is valued at $3.05B. OPFI’s [@Savings Banks] market capitalization is $343.13M. The market cap for tickers in the [@Savings Banks] industry ranges from $654.82B to $0. The average market capitalization across the [@Savings Banks] industry is $21.91B.

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 whileOPFI’s FA Score has 0 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • OPFI’s FA Score: 0 green, 5 red.
According to our system of comparison, ENVA is a better buy in the long-term than OPFI.

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 OPFI’s TA Score has 6 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а -3.25% price change this week, while OPFI (@Savings Banks) price change was +3.07% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.19%. For the same industry, the average monthly price growth was +2.10%, and the average quarterly price growth was +37.56%.

Reported Earning Dates

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

OPFI is expected to report earnings on Nov 06, 2025.

Industries' Descriptions

@Savings Banks (-2.19% 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
ENVA($3.05B) has a higher market cap than OPFI($343M). OPFI has higher P/E ratio than ENVA: OPFI (33.78) vs ENVA (13.00). OPFI YTD gains are higher at: 62.956 vs. ENVA (27.169). ENVA has higher annual earnings (EBITDA): 388M vs. OPFI (347M). ENVA has more cash in the bank: 55.6M vs. OPFI (45.2M). OPFI has less debt than ENVA: OPFI (318M) vs ENVA (4B). ENVA has higher revenues than OPFI: ENVA (2.93B) vs OPFI (555M).
ENVAOPFIENVA / OPFI
Capitalization3.05B343M889%
EBITDA388M347M112%
Gain YTD27.16962.95643%
P/E Ratio13.0033.7838%
Revenue2.93B555M528%
Total Cash55.6M45.2M123%
Total Debt4B318M1,257%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
73
VALUATION
overvalued / fair valued / undervalued
1..100
74
Overvalued
PROFIT vs RISK RATING
1..100
7
SMR RATING
1..100
43
PRICE GROWTH RATING
1..100
44
P/E GROWTH RATING
1..100
51
SEASONALITY SCORE
1..100
50

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.

TECHNICAL ANALYSIS
Technical Analysis
ENVAOPFI
RSI
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
73%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
64%
Bearish Trend 2 days ago
72%
Momentum
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
73%
MACD
ODDS (%)
Bearish Trend 2 days ago
68%
Bullish Trend 2 days ago
78%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
66%
Bullish Trend 2 days ago
81%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
80%
Advances
ODDS (%)
Bullish Trend 10 days ago
75%
Bullish Trend 10 days ago
82%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 6 days ago
76%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
86%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
82%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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OPFI
Daily Signalchanged days ago
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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 81% 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%
-0.73%
OMF - ENVA
81%
Closely correlated
-0.41%
SYF - ENVA
79%
Closely correlated
+0.35%
COF - ENVA
79%
Closely correlated
+0.71%
BFH - ENVA
78%
Closely correlated
-0.78%
SLM - ENVA
72%
Closely correlated
-0.61%
More

OPFI and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPFI has been loosely correlated with ENVA. These tickers have moved in lockstep 44% of the time. This A.I.-generated data suggests there is some statistical probability that if OPFI jumps, then ENVA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPFI
1D Price
Change %
OPFI100%
-1.14%
ENVA - OPFI
44%
Loosely correlated
-0.73%
URI - OPFI
39%
Loosely correlated
+1.72%
ALLY - OPFI
37%
Loosely correlated
-1.64%
COF - OPFI
37%
Loosely correlated
+0.71%
OMF - OPFI
37%
Loosely correlated
-0.41%
More