ENVA
Price
$120.17
Change
-$3.21 (-2.60%)
Updated
Sep 5 closing price
Capitalization
3.01B
46 days until earnings call
SLM
Price
$31.11
Change
-$0.66 (-2.08%)
Updated
Sep 5 closing price
Capitalization
6.49B
45 days until earnings call
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ENVA vs SLM

Header iconENVA vs SLM Comparison
Open Charts ENVA vs SLMBanner chart's image
Enova International
Price$120.17
Change-$3.21 (-2.60%)
Volume$382.21K
Capitalization3.01B
SLM
Price$31.11
Change-$0.66 (-2.08%)
Volume$1.85M
Capitalization6.49B
ENVA vs SLM Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SLM
Daily Signalchanged days ago
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ENVA vs. SLM commentary
Sep 07, 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 SLM is a Hold.

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COMPARISON
Comparison
Sep 07, 2025
Stock price -- (ENVA: $120.17 vs. SLM: $31.11)
Brand notoriety: ENVA: Not notable vs. SLM: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 124% vs. SLM: 90%
Market capitalization -- ENVA: $3.01B vs. SLM: $6.49B
ENVA [@Savings Banks] is valued at $3.01B. SLM’s [@Savings Banks] market capitalization is $6.49B. 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 $22.15B.

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 whileSLM’s FA Score has 3 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • SLM’s FA Score: 3 green, 2 red.
According to our system of comparison, both ENVA and SLM are a good 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 6 TA indicator(s) are bullish while SLM’s TA Score has 5 bullish TA indicator(s).

  • ENVA’s TA Score: 6 bullish, 4 bearish.
  • SLM’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, both ENVA and SLM are a good buy in the short-term.

Price Growth

ENVA (@Savings Banks) experienced а -0.93% price change this week, while SLM (@Savings Banks) price change was -0.12% 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.

SLM is expected to report earnings on Oct 22, 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
SLM($6.49B) has a higher market cap than ENVA($3.01B). SLM has higher P/E ratio than ENVA: SLM (15.10) vs ENVA (12.81). ENVA YTD gains are higher at: 25.334 vs. SLM (14.246). ENVA has less debt than SLM: ENVA (4B) vs SLM (6.41B).
ENVASLMENVA / SLM
Capitalization3.01B6.49B46%
EBITDA388MN/A-
Gain YTD25.33414.246178%
P/E Ratio12.8115.1085%
Revenue2.93BN/A-
Total Cash55.6MN/A-
Total Debt4B6.41B62%
FUNDAMENTALS RATINGS
ENVA vs SLM: Fundamental Ratings
ENVA
SLM
OUTLOOK RATING
1..100
2770
VALUATION
overvalued / fair valued / undervalued
1..100
73
Overvalued
73
Overvalued
PROFIT vs RISK RATING
1..100
710
SMR RATING
1..100
4311
PRICE GROWTH RATING
1..100
4052
P/E GROWTH RATING
1..100
587
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.

ENVA's Valuation (73) in the Finance Or Rental Or Leasing industry is in the same range as SLM (73). This means that ENVA’s stock grew similarly to SLM’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is in the same range as SLM (10). This means that ENVA’s stock grew similarly to SLM’s over the last 12 months.

SLM's SMR Rating (11) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (43). This means that SLM’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as SLM (52). This means that ENVA’s stock grew similarly to SLM’s over the last 12 months.

SLM's P/E Growth Rating (7) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (58). This means that SLM’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVASLM
RSI
ODDS (%)
Bearish Trend 3 days ago
60%
N/A
Stochastic
ODDS (%)
Bearish Trend 3 days ago
67%
Bullish Trend 3 days ago
69%
Momentum
ODDS (%)
Bullish Trend 3 days ago
80%
Bullish Trend 3 days ago
72%
MACD
ODDS (%)
Bullish Trend 3 days ago
74%
Bullish Trend 3 days ago
70%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
60%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
71%
Bearish Trend 3 days ago
71%
Advances
ODDS (%)
Bullish Trend 11 days ago
74%
Bullish Trend 17 days ago
72%
Declines
ODDS (%)
Bearish Trend 5 days ago
66%
Bearish Trend 5 days ago
60%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
65%
Bullish Trend 3 days ago
71%
Aroon
ODDS (%)
Bullish Trend 3 days ago
70%
Bearish Trend 3 days ago
68%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SLM
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%
-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

SLM and

Correlation & Price change

A.I.dvisor indicates that over the last year, SLM has been closely correlated with SYF. These tickers have moved in lockstep 76% of the time. This A.I.-generated data suggests there is a high statistical probability that if SLM jumps, then SYF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SLM
1D Price
Change %
SLM100%
-2.08%
SYF - SLM
76%
Closely correlated
-1.63%
COF - SLM
74%
Closely correlated
-2.12%
OMF - SLM
74%
Closely correlated
-1.77%
ENVA - SLM
71%
Closely correlated
-2.60%
NAVI - SLM
71%
Closely correlated
+0.88%
More