ENVA
Price
$120.17
Change
-$3.21 (-2.60%)
Updated
Sep 5 closing price
Capitalization
3.01B
47 days until earnings call
PRAA
Price
$17.18
Change
+$0.22 (+1.30%)
Updated
Sep 5 closing price
Capitalization
671.29M
58 days until earnings call
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ENVA vs PRAA

Header iconENVA vs PRAA Comparison
Open Charts ENVA vs PRAABanner chart's image
Enova International
Price$120.17
Change-$3.21 (-2.60%)
Volume$382.21K
Capitalization3.01B
PRA Group
Price$17.18
Change+$0.22 (+1.30%)
Volume$181.52K
Capitalization671.29M
ENVA vs PRAA Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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PRAA
Daily Signalchanged days ago
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ENVA vs. PRAA commentary
Sep 06, 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 PRAA is a StrongBuy.

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COMPARISON
Comparison
Sep 06, 2025
Stock price -- (ENVA: $120.17 vs. PRAA: $17.18)
Brand notoriety: ENVA and PRAA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 124% vs. PRAA: 64%
Market capitalization -- ENVA: $3.01B vs. PRAA: $671.29M
ENVA [@Savings Banks] is valued at $3.01B. PRAA’s [@Savings Banks] market capitalization is $671.29M. The market cap for tickers in the [@Savings Banks] industry ranges from $666.17B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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

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

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 6 TA indicator(s) are bullish while PRAA’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а -0.93% price change this week, while PRAA (@Savings Banks) price change was +0.53% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.52%. For the same industry, the average monthly price growth was +5.04%, and the average quarterly price growth was +31.21%.

Reported Earning Dates

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

PRAA is expected to report earnings on Nov 03, 2025.

Industries' Descriptions

@Savings Banks (+0.52% 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($3.01B) has a higher market cap than PRAA($671M). ENVA has higher P/E ratio than PRAA: ENVA (12.81) vs PRAA (7.41). ENVA YTD gains are higher at: 25.334 vs. PRAA (-17.760). ENVA has higher annual earnings (EBITDA): 388M vs. PRAA (246M). PRAA has more cash in the bank: 196M vs. ENVA (55.6M). PRAA has less debt than ENVA: PRAA (3.64B) vs ENVA (4B). ENVA has higher revenues than PRAA: ENVA (2.93B) vs PRAA (1.14B).
ENVAPRAAENVA / PRAA
Capitalization3.01B671M448%
EBITDA388M246M158%
Gain YTD25.334-17.760-143%
P/E Ratio12.817.41173%
Revenue2.93B1.14B256%
Total Cash55.6M196M28%
Total Debt4B3.64B110%
FUNDAMENTALS RATINGS
ENVA vs PRAA: Fundamental Ratings
ENVA
PRAA
OUTLOOK RATING
1..100
1566
VALUATION
overvalued / fair valued / undervalued
1..100
73
Overvalued
34
Fair valued
PROFIT vs RISK RATING
1..100
7100
SMR RATING
1..100
4379
PRICE GROWTH RATING
1..100
3955
P/E GROWTH RATING
1..100
58100
SEASONALITY SCORE
1..100
5085

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.

PRAA's Valuation (34) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for ENVA (73) in the Finance Or Rental Or Leasing industry. This means that PRAA’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew significantly faster than PRAA’s over the last 12 months.

ENVA's SMR Rating (43) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PRAA (79) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than PRAA’s over the last 12 months.

ENVA's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (55) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew similarly to PRAA’s over the last 12 months.

ENVA's P/E Growth Rating (58) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAPRAA
RSI
ODDS (%)
Bearish Trend 2 days ago
60%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
67%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
69%
MACD
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bullish Trend 2 days ago
67%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
66%
Advances
ODDS (%)
Bullish Trend 10 days ago
74%
Bullish Trend 2 days ago
64%
Declines
ODDS (%)
Bearish Trend 4 days ago
66%
Bearish Trend 4 days ago
71%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
68%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 5 days ago
64%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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PRAA
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 82% 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%
-2.60%
OMF - ENVA
82%
Closely correlated
-1.77%
SYF - ENVA
80%
Closely correlated
-1.63%
COF - ENVA
80%
Closely correlated
-2.12%
BFH - ENVA
77%
Closely correlated
-1.12%
SLM - ENVA
72%
Closely correlated
-2.08%
More

PRAA and

Correlation & Price change

A.I.dvisor indicates that over the last year, PRAA has been loosely correlated with ECPG. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if PRAA jumps, then ECPG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRAA
1D Price
Change %
PRAA100%
+1.30%
ECPG - PRAA
59%
Loosely correlated
+6.09%
OMF - PRAA
52%
Loosely correlated
-1.77%
AGM - PRAA
51%
Loosely correlated
-0.22%
ENVA - PRAA
50%
Loosely correlated
-2.60%
UHAL - PRAA
49%
Loosely correlated
+2.15%
More