ENVA
Price
$127.73
Change
-$1.47 (-1.14%)
Updated
Nov 13 closing price
Capitalization
3.17B
82 days until earnings call
Intraday BUY SELL Signals
PRG
Price
$27.97
Change
-$0.26 (-0.92%)
Updated
Nov 13 closing price
Capitalization
1.11B
103 days until earnings call
Intraday BUY SELL Signals
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ENVA vs PRG

Header iconENVA vs PRG Comparison
Open Charts ENVA vs PRGBanner chart's image
Enova International
Price$127.73
Change-$1.47 (-1.14%)
Volume$246.71K
Capitalization3.17B
PROG Holdings
Price$27.97
Change-$0.26 (-0.92%)
Volume$233.59K
Capitalization1.11B
ENVA vs PRG Comparison Chart in %
ENVA
Daily Signal:
Gain/Loss:
PRG
Daily Signal:
Gain/Loss:
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VS
ENVA vs. PRG commentary
Nov 14, 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 Buy and PRG is a Hold.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (ENVA: $129.20 vs. PRG: $28.23)
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: 66% vs. PRG: 62%
Market capitalization -- ENVA: $3.17B vs. PRG: $1.11B
ENVA [@Savings Banks] is valued at $3.17B. PRG’s [@Finance/Rental/Leasing] market capitalization is $1.11B. The market cap for tickers in the [@Savings Banks] industry ranges from $648.6B to $0. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $53.66B to $0. The average market capitalization across the [@Savings Banks] industry is $21.95B. The average market capitalization across the [@Finance/Rental/Leasing] industry is $7.51B.

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, ENVA is a better buy in the long-term than PRG.

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

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

Price Growth

ENVA (@Savings Banks) experienced а +0.94% price change this week, while PRG (@Finance/Rental/Leasing) price change was -0.95% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.14%. For the same industry, the average monthly price growth was -3.03%, and the average quarterly price growth was +11.42%.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -1.54%. For the same industry, the average monthly price growth was -4.24%, and the average quarterly price growth was +1.60%.

Reported Earning Dates

ENVA is expected to report earnings on Feb 04, 2026.

PRG is expected to report earnings on Feb 25, 2026.

Industries' Descriptions

@Savings Banks (-0.14% 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 (-1.54% 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($3.17B) has a higher market cap than PRG($1.11B). ENVA has higher P/E ratio than PRG: ENVA (11.80) vs PRG (7.10). ENVA YTD gains are higher at: 34.752 vs. PRG (-32.322). 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
Capitalization3.17B1.11B286%
EBITDA388M1.9B20%
Gain YTD34.752-32.322-108%
P/E Ratio11.807.10166%
Revenue2.93B2.52B116%
Total Cash55.6M222M25%
Total Debt4B603M663%
FUNDAMENTALS RATINGS
ENVA vs PRG: Fundamental Ratings
ENVA
PRG
OUTLOOK RATING
1..100
2654
VALUATION
overvalued / fair valued / undervalued
1..100
72
Overvalued
25
Undervalued
PROFIT vs RISK RATING
1..100
7100
SMR RATING
1..100
4233
PRICE GROWTH RATING
1..100
4180
P/E GROWTH RATING
1..100
7991
SEASONALITY SCORE
1..100
5050

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 (25) in the null industry is somewhat better than the same rating for ENVA (72) 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 (7) 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 (41) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for PRG (80) in the null industry. This means that ENVA’s stock grew somewhat faster than PRG’s over the last 12 months.

ENVA's P/E Growth Rating (79) in the Finance Or Rental Or Leasing industry is in the same range as PRG (91) 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 (%)
Bearish Trend 2 days ago
69%
Bullish Trend 2 days ago
81%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
76%
Momentum
ODDS (%)
Bullish Trend 2 days ago
82%
Bearish Trend 2 days ago
72%
MACD
ODDS (%)
Bullish Trend 2 days ago
78%
Bearish Trend 2 days ago
72%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
75%
Bearish Trend 2 days ago
73%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
72%
Advances
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 2 days ago
67%
Declines
ODDS (%)
Bearish Trend 17 days ago
66%
Bearish Trend 7 days ago
75%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
75%
Bullish Trend 2 days ago
75%
Aroon
ODDS (%)
Bullish Trend 2 days ago
69%
Bearish Trend 2 days ago
73%
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ENVA
Daily Signal:
Gain/Loss:
PRG
Daily Signal:
Gain/Loss:
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ENVA and

Correlation & Price change

A.I.dvisor indicates that over the last year, ENVA has been closely correlated with COF. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
+1.52%
COF - ENVA
80%
Closely correlated
+0.63%
OMF - ENVA
78%
Closely correlated
+1.05%
SYF - ENVA
78%
Closely correlated
+1.44%
AXP - ENVA
75%
Closely correlated
+0.71%
ALLY - ENVA
74%
Closely correlated
+2.08%
More

PRG and

Correlation & Price change

A.I.dvisor indicates that over the last year, PRG has been closely correlated with UPBD. These tickers have moved in lockstep 67% of the time. This A.I.-generated data suggests there is a high statistical probability that if PRG jumps, then UPBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRG
1D Price
Change %
PRG100%
+0.21%
UPBD - PRG
67%
Closely correlated
-0.34%
ENVA - PRG
48%
Loosely correlated
+1.52%
R - PRG
47%
Loosely correlated
+1.53%
AXP - PRG
46%
Loosely correlated
+0.71%
SYF - PRG
46%
Loosely correlated
+1.44%
More