ENVA
Price
$104.26
Change
+$1.16 (+1.13%)
Updated
Aug 11, 04:59 PM (EDT)
Capitalization
2.58B
73 days until earnings call
SEZL
Price
$87.31
Change
-$4.20 (-4.59%)
Updated
Aug 11, 04:59 PM (EDT)
Capitalization
3.11B
87 days until earnings call
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ENVA vs SEZL

Header iconENVA vs SEZL Comparison
Open Charts ENVA vs SEZLBanner chart's image
Enova International
Price$104.26
Change+$1.16 (+1.13%)
Volume$1.21K
Capitalization2.58B
Sezzle
Price$87.31
Change-$4.20 (-4.59%)
Volume$20.67K
Capitalization3.11B
ENVA vs SEZL Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SEZL
Daily Signalchanged days ago
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ENVA vs. SEZL commentary
Aug 12, 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 SEZL is a Hold.

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COMPARISON
Comparison
Aug 12, 2025
Stock price -- (ENVA: $103.10 vs. SEZL: $91.51)
Brand notoriety: ENVA and SEZL are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 69% vs. SEZL: 463%
Market capitalization -- ENVA: $2.58B vs. SEZL: $3.11B
ENVA [@Savings Banks] is valued at $2.58B. SEZL’s [@Savings Banks] market capitalization is $3.11B. The market cap for tickers in the [@Savings Banks] industry ranges from $653.67B to $0. The average market capitalization across the [@Savings Banks] industry is $21.16B.

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

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

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

Price Growth

ENVA (@Savings Banks) experienced а +2.53% price change this week, while SEZL (@Savings Banks) price change was -36.45% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.19%. For the same industry, the average monthly price growth was +0.07%, and the average quarterly price growth was +19.73%.

Reported Earning Dates

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

SEZL is expected to report earnings on Nov 06, 2025.

Industries' Descriptions

@Savings Banks (-0.19% 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
SEZL($3.11B) has a higher market cap than ENVA($2.58B). SEZL has higher P/E ratio than ENVA: SEZL (31.14) vs ENVA (10.99). SEZL YTD gains are higher at: 114.644 vs. ENVA (7.530). ENVA has higher annual earnings (EBITDA): 388M vs. SEZL (120M). SEZL has more cash in the bank: 88.9M vs. ENVA (55.6M). SEZL has less debt than ENVA: SEZL (70.8M) vs ENVA (4B). ENVA has higher revenues than SEZL: ENVA (2.93B) vs SEZL (329M).
ENVASEZLENVA / SEZL
Capitalization2.58B3.11B83%
EBITDA388M120M323%
Gain YTD7.530114.6447%
P/E Ratio10.9931.1435%
Revenue2.93B329M890%
Total Cash55.6M88.9M63%
Total Debt4B70.8M5,644%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
50
VALUATION
overvalued / fair valued / undervalued
1..100
68
Overvalued
PROFIT vs RISK RATING
1..100
10
SMR RATING
1..100
42
PRICE GROWTH RATING
1..100
57
P/E GROWTH RATING
1..100
71
SEASONALITY SCORE
1..100
85

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.

TECHNICAL ANALYSIS
Technical Analysis
ENVASEZL
RSI
ODDS (%)
Bullish Trend 4 days ago
89%
Bullish Trend 4 days ago
90%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
74%
Bullish Trend 4 days ago
90%
Momentum
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 4 days ago
71%
MACD
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
69%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
76%
Bearish Trend 4 days ago
82%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
61%
Bearish Trend 4 days ago
90%
Advances
ODDS (%)
Bullish Trend 6 days ago
75%
Bullish Trend 12 days ago
90%
Declines
ODDS (%)
Bearish Trend 11 days ago
66%
Bearish Trend 4 days ago
81%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
83%
Bullish Trend 4 days ago
90%
Aroon
ODDS (%)
Bearish Trend 4 days ago
67%
Bullish Trend 4 days ago
90%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SEZL
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 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

SEZL and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SEZL
1D Price
Change %
SEZL100%
-34.32%
UPST - SEZL
59%
Loosely correlated
-1.11%
SOFI - SEZL
51%
Loosely correlated
+0.09%
ENVA - SEZL
44%
Loosely correlated
+0.38%
URI - SEZL
44%
Loosely correlated
+0.51%
OMF - SEZL
42%
Loosely correlated
+0.40%
More