ENVA
Price
$122.21
Change
-$1.59 (-1.28%)
Updated
Sep 25, 03:32 PM (EDT)
Capitalization
3.1B
28 days until earnings call
RM
Price
$42.50
Change
-$0.13 (-0.30%)
Updated
Sep 25, 03:45 PM (EDT)
Capitalization
417.73M
40 days until earnings call
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ENVA vs RM

Header iconENVA vs RM Comparison
Open Charts ENVA vs RMBanner chart's image
Enova International
Price$122.21
Change-$1.59 (-1.28%)
Volume$100
Capitalization3.1B
REGIONAL MANAGEMENT
Price$42.50
Change-$0.13 (-0.30%)
Volume$100
Capitalization417.73M
ENVA vs RM Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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RM
Daily Signalchanged days ago
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VS
ENVA vs. RM commentary
Sep 25, 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 RM is a StrongBuy.

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COMPARISON
Comparison
Sep 25, 2025
Stock price -- (ENVA: $123.80 vs. RM: $42.63)
Brand notoriety: ENVA and RM are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 46% vs. RM: 71%
Market capitalization -- ENVA: $3.1B vs. RM: $417.73M
ENVA [@Savings Banks] is valued at $3.1B. RM’s [@Savings Banks] market capitalization is $417.73M. The market cap for tickers in the [@Savings Banks] industry ranges from $657.36B to $0. The average market capitalization across the [@Savings Banks] industry is $22.01B.

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

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

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 5 TA indicator(s) are bullish while RM’s TA Score has 3 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 4 bearish.
  • RM’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than RM.

Price Growth

ENVA (@Savings Banks) experienced а +0.43% price change this week, while RM (@Savings Banks) price change was -2.80% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.53%. For the same industry, the average monthly price growth was +3.16%, and the average quarterly price growth was +37.38%.

Reported Earning Dates

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

RM is expected to report earnings on Nov 04, 2025.

Industries' Descriptions

@Savings Banks (-1.53% 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($3.1B) has a higher market cap than RM($418M). ENVA has higher P/E ratio than RM: ENVA (13.20) vs RM (12.32). ENVA (29.120) and RM (28.880) have similar YTD gains . ENVA has more cash in the bank: 55.6M vs. RM (4.27M). RM has less debt than ENVA: RM (1.55B) vs ENVA (4B). ENVA has higher revenues than RM: ENVA (2.93B) vs RM (532M).
ENVARMENVA / RM
Capitalization3.1B418M741%
EBITDA388MN/A-
Gain YTD29.12028.880101%
P/E Ratio13.2012.32107%
Revenue2.93B532M551%
Total Cash55.6M4.27M1,301%
Total Debt4B1.55B258%
FUNDAMENTALS RATINGS
ENVA vs RM: Fundamental Ratings
ENVA
RM
OUTLOOK RATING
1..100
7777
VALUATION
overvalued / fair valued / undervalued
1..100
74
Overvalued
40
Fair valued
PROFIT vs RISK RATING
1..100
754
SMR RATING
1..100
4317
PRICE GROWTH RATING
1..100
4240
P/E GROWTH RATING
1..100
4849
SEASONALITY SCORE
1..100
50n/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.

RM's Valuation (40) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (74). This means that RM’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 somewhat better than the same rating for RM (54). This means that ENVA’s stock grew somewhat faster than RM’s over the last 12 months.

RM's SMR Rating (17) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (43). This means that RM’s stock grew similarly to ENVA’s over the last 12 months.

RM's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (42). This means that RM’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's P/E Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as RM (49). This means that ENVA’s stock grew similarly to RM’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVARM
RSI
ODDS (%)
Bearish Trend 2 days ago
62%
Bearish Trend 2 days ago
67%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
60%
Bearish Trend 2 days ago
71%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
81%
MACD
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
74%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
76%
Bearish Trend 2 days ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
77%
Advances
ODDS (%)
Bullish Trend 8 days ago
75%
Bullish Trend 10 days ago
77%
Declines
ODDS (%)
Bearish Trend 2 days ago
65%
Bearish Trend 2 days ago
68%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
76%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
78%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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RM
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 83% 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%
-1.23%
OMF - ENVA
83%
Closely correlated
-0.46%
SYF - ENVA
79%
Closely correlated
-0.15%
COF - ENVA
79%
Closely correlated
+0.59%
BFH - ENVA
78%
Closely correlated
-0.56%
SLM - ENVA
72%
Closely correlated
+1.64%
More

RM and

Correlation & Price change

A.I.dvisor indicates that over the last year, RM has been loosely correlated with ENVA. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if RM jumps, then ENVA could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To RM
1D Price
Change %
RM100%
-1.91%
ENVA - RM
63%
Loosely correlated
-1.23%
BFH - RM
62%
Loosely correlated
-0.56%
SYF - RM
60%
Loosely correlated
-0.15%
COF - RM
59%
Loosely correlated
+0.59%
ATLC - RM
59%
Loosely correlated
-2.07%
More