ENVA
Price
$104.14
Change
+$1.04 (+1.01%)
Updated
Aug 11, 01:41 PM (EDT)
Capitalization
2.58B
73 days until earnings call
PRG
Price
$31.35
Change
-$0.01 (-0.03%)
Updated
Aug 8 closing price
Capitalization
1.24B
72 days until earnings call
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ENVA vs PRG

Header iconENVA vs PRG Comparison
Open Charts ENVA vs PRGBanner chart's image
Enova International
Price$104.14
Change+$1.04 (+1.01%)
Volume$100
Capitalization2.58B
PROG Holdings
Price$31.35
Change-$0.01 (-0.03%)
Volume$514.09K
Capitalization1.24B
ENVA vs PRG Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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PRG
Daily Signalchanged days ago
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ENVA vs. PRG commentary
Aug 11, 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 PRG is a Hold.

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COMPARISON
Comparison
Aug 11, 2025
Stock price -- (ENVA: $103.10 vs. PRG: $31.35)
Brand notoriety: ENVA and PRG are both not notable
ENVA represents the Savings Banks, while PRG is part of the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 69% vs. PRG: 129%
Market capitalization -- ENVA: $2.58B vs. PRG: $1.24B
ENVA [@Savings Banks] is valued at $2.58B. PRG’s [@Finance/Rental/Leasing] market capitalization is $1.24B. The market cap for tickers in the [@Savings Banks] industry ranges from $653.67B to $0. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $55.27B to $0. The average market capitalization across the [@Savings Banks] industry is $21.16B. The average market capitalization across the [@Finance/Rental/Leasing] industry is $7.24B.

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

  • ENVA’s FA Score: 1 green, 4 red.
  • PRG’s FA Score: 2 green, 3 red.
According to our system of comparison, both ENVA and PRG 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 PRG’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а +2.53% price change this week, while PRG (@Finance/Rental/Leasing) price change was +2.79% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.12%. For the same industry, the average monthly price growth was +0.47%, and the average quarterly price growth was +20.11%.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -1.58%. For the same industry, the average monthly price growth was -4.03%, and the average quarterly price growth was +3.88%.

Reported Earning Dates

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

PRG is expected to report earnings on Oct 22, 2025.

Industries' Descriptions

@Savings Banks (+0.12% 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.

@Finance/Rental/Leasing (-1.58% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
ENVA($2.58B) has a higher market cap than PRG($1.24B). ENVA has higher P/E ratio than PRG: ENVA (10.99) vs PRG (6.21). ENVA YTD gains are higher at: 7.530 vs. PRG (-25.135). PRG has higher annual earnings (EBITDA): 1.9B vs. ENVA (388M). PRG has more cash in the bank: 222M vs. ENVA (55.6M). PRG has less debt than ENVA: PRG (603M) vs ENVA (4B). ENVA has higher revenues than PRG: ENVA (2.93B) vs PRG (2.52B).
ENVAPRGENVA / PRG
Capitalization2.58B1.24B208%
EBITDA388M1.9B20%
Gain YTD7.530-25.135-30%
P/E Ratio10.996.21177%
Revenue2.93B2.52B116%
Total Cash55.6M222M25%
Total Debt4B603M663%
FUNDAMENTALS RATINGS
ENVA vs PRG: Fundamental Ratings
ENVA
PRG
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
27
Undervalued
PROFIT vs RISK RATING
1..100
10100
SMR RATING
1..100
4233
PRICE GROWTH RATING
1..100
5759
P/E GROWTH RATING
1..100
7197
SEASONALITY SCORE
1..100
8550

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.

PRG's Valuation (27) in the null industry is somewhat better than the same rating for ENVA (68) in the Finance Or Rental Or Leasing industry. This means that PRG’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 PRG (100) in the null industry. This means that ENVA’s stock grew significantly faster than PRG’s over the last 12 months.

PRG's SMR Rating (33) in the null industry is in the same range as ENVA (42) in the Finance Or Rental Or Leasing industry. This means that PRG’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (57) in the Finance Or Rental Or Leasing industry is in the same range as PRG (59) in the null industry. This means that ENVA’s stock grew similarly to PRG’s over the last 12 months.

ENVA's P/E Growth Rating (71) in the Finance Or Rental Or Leasing industry is in the same range as PRG (97) in the null industry. This means that ENVA’s stock grew similarly to PRG’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAPRG
RSI
ODDS (%)
Bullish Trend 4 days ago
89%
Bearish Trend 4 days ago
86%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
74%
Bullish Trend 4 days ago
78%
Momentum
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 4 days ago
79%
MACD
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
77%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
76%
Bullish Trend 4 days ago
71%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
61%
Bullish Trend 4 days ago
71%
Advances
ODDS (%)
Bullish Trend 6 days ago
75%
Bullish Trend 6 days ago
67%
Declines
ODDS (%)
Bearish Trend 11 days ago
66%
Bearish Trend 4 days ago
75%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
83%
Bearish Trend 4 days ago
70%
Aroon
ODDS (%)
Bearish Trend 4 days ago
67%
Bullish Trend 4 days ago
79%
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ENVA
Daily Signalchanged days ago
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PRG
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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%
+0.38%
OMF - ENVA
82%
Closely correlated
+0.40%
COF - ENVA
79%
Closely correlated
+0.45%
SYF - ENVA
79%
Closely correlated
+1.43%
AXP - ENVA
78%
Closely correlated
+0.92%
BFH - ENVA
75%
Closely correlated
+1.04%
More

PRG and

Correlation & Price change

A.I.dvisor indicates that over the last year, PRG has been loosely correlated with ENVA. These tickers have moved in lockstep 48% of the time. This A.I.-generated data suggests there is some statistical probability that if PRG jumps, then ENVA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRG
1D Price
Change %
PRG100%
-0.03%
ENVA - PRG
48%
Loosely correlated
+0.38%
R - PRG
47%
Loosely correlated
+1.09%
AXP - PRG
46%
Loosely correlated
+0.92%
BFH - PRG
44%
Loosely correlated
+1.04%
OMF - PRG
42%
Loosely correlated
+0.40%
More