ENVA
Price
$108.88
Change
+$1.81 (+1.69%)
Updated
Oct 17 closing price
Capitalization
2.72B
5 days until earnings call
OPRT
Price
$5.20
Change
-$0.04 (-0.76%)
Updated
Oct 17 closing price
Capitalization
228.85M
31 days until earnings call
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ENVA vs OPRT

Header iconENVA vs OPRT Comparison
Open Charts ENVA vs OPRTBanner chart's image
Enova International
Price$108.88
Change+$1.81 (+1.69%)
Volume$222.26K
Capitalization2.72B
Oportun Financial
Price$5.20
Change-$0.04 (-0.76%)
Volume$1.02M
Capitalization228.85M
ENVA vs OPRT Comparison Chart in %
ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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OPRT
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. OPRT commentary
Oct 18, 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 OPRT is a Hold.

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COMPARISON
Comparison
Oct 18, 2025
Stock price -- (ENVA: $107.07 vs. OPRT: $5.24)
Brand notoriety: ENVA and OPRT are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 74% vs. OPRT: 90%
Market capitalization -- ENVA: $2.72B vs. OPRT: $228.85M
ENVA [@Savings Banks] is valued at $2.72B. OPRT’s [@Savings Banks] market capitalization is $228.85M. The market cap for tickers in the [@Savings Banks] industry ranges from $663.59B to $0. The average market capitalization across the [@Savings Banks] industry is $21.22B.

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

  • ENVA’s FA Score: 1 green, 4 red.
  • OPRT’s FA Score: 1 green, 4 red.
According to our system of comparison, both ENVA and OPRT are a bad buy in the long-term.

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

  • ENVA’s TA Score: 4 bullish, 6 bearish.
  • OPRT’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, both ENVA and OPRT are a bad buy in the short-term.

Price Growth

ENVA (@Savings Banks) experienced а -0.86% price change this week, while OPRT (@Savings Banks) price change was -2.78% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +1.11%. For the same industry, the average monthly price growth was -3.04%, and the average quarterly price growth was +45.96%.

Reported Earning Dates

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

OPRT is expected to report earnings on Nov 18, 2025.

Industries' Descriptions

@Savings Banks (+1.11% 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($2.72B) has a higher market cap than OPRT($229M). OPRT YTD gains are higher at: 34.021 vs. ENVA (13.559). OPRT has less debt than ENVA: OPRT (2.76B) vs ENVA (4B). ENVA has higher revenues than OPRT: ENVA (2.93B) vs OPRT (366M).
ENVAOPRTENVA / OPRT
Capitalization2.72B229M1,189%
EBITDA388MN/A-
Gain YTD13.55934.02140%
P/E Ratio11.61N/A-
Revenue2.93B366M800%
Total Cash55.6MN/A-
Total Debt4B2.76B145%
FUNDAMENTALS RATINGS
ENVA vs OPRT: Fundamental Ratings
ENVA
OPRT
OUTLOOK RATING
1..100
6661
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
23
Undervalued
PROFIT vs RISK RATING
1..100
10100
SMR RATING
1..100
100100
PRICE GROWTH RATING
1..100
9390
P/E GROWTH RATING
1..100
68100
SEASONALITY SCORE
1..100
85n/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.

OPRT's Valuation (23) in the null industry is somewhat better than the same rating for ENVA (70) in the Finance Or Rental Or Leasing industry. This means that OPRT’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (10) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for OPRT (100) in the null industry. This means that ENVA’s stock grew significantly faster than OPRT’s over the last 12 months.

ENVA's SMR Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as OPRT (100) in the null industry. This means that ENVA’s stock grew similarly to OPRT’s over the last 12 months.

OPRT's Price Growth Rating (90) in the null industry is in the same range as ENVA (93) in the Finance Or Rental Or Leasing industry. This means that OPRT’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's P/E Growth Rating (68) in the Finance Or Rental Or Leasing industry is in the same range as OPRT (100) in the null industry. This means that ENVA’s stock grew similarly to OPRT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAOPRT
RSI
ODDS (%)
Bullish Trend 2 days ago
90%
Bullish Trend 2 days ago
88%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
84%
Momentum
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
85%
MACD
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 2 days ago
88%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
85%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
86%
Advances
ODDS (%)
Bullish Trend 3 days ago
75%
Bullish Trend 3 days ago
77%
Declines
ODDS (%)
Bearish Trend 8 days ago
66%
Bearish Trend 8 days ago
80%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
73%
Bearish Trend 2 days ago
90%
Aroon
ODDS (%)
Bullish Trend 2 days ago
64%
Bullish Trend 2 days ago
70%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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OPRT
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 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%
+1.69%
OMF - ENVA
81%
Closely correlated
+1.61%
AXP - ENVA
80%
Closely correlated
+7.27%
COF - ENVA
79%
Closely correlated
+4.03%
SYF - ENVA
79%
Closely correlated
+1.79%
BFH - ENVA
78%
Closely correlated
+2.46%
More

OPRT and

Correlation & Price change

A.I.dvisor indicates that over the last year, OPRT has been loosely correlated with OMF. These tickers have moved in lockstep 50% of the time. This A.I.-generated data suggests there is some statistical probability that if OPRT jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPRT
1D Price
Change %
OPRT100%
-0.76%
OMF - OPRT
50%
Loosely correlated
+1.61%
ENVA - OPRT
48%
Loosely correlated
+1.69%
ALLY - OPRT
48%
Loosely correlated
+3.56%
SLM - OPRT
47%
Loosely correlated
+1.98%
SYF - OPRT
47%
Loosely correlated
+1.79%
More