ENVA
Price
$122.08
Change
-$1.30 (-1.05%)
Updated
Sep 5, 02:03 PM (EDT)
Capitalization
3.09B
48 days until earnings call
SOFI
Price
$24.82
Change
-$0.56 (-2.21%)
Updated
Sep 5, 02:37 PM (EDT)
Capitalization
30.39B
60 days until earnings call
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ENVA vs SOFI

Header iconENVA vs SOFI Comparison
Open Charts ENVA vs SOFIBanner chart's image
Enova International
Price$122.08
Change-$1.30 (-1.05%)
Volume$1K
Capitalization3.09B
SoFi Technologies
Price$24.82
Change-$0.56 (-2.21%)
Volume$26.34K
Capitalization30.39B
ENVA vs SOFI Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SOFI
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. SOFI commentary
Sep 05, 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 SOFI is a Hold.

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COMPARISON
Comparison
Sep 05, 2025
Stock price -- (ENVA: $123.38 vs. SOFI: $25.38)
Brand notoriety: ENVA and SOFI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 77% vs. SOFI: 71%
Market capitalization -- ENVA: $3.09B vs. SOFI: $30.39B
ENVA [@Savings Banks] is valued at $3.09B. SOFI’s [@Savings Banks] market capitalization is $30.39B. The market cap for tickers in the [@Savings Banks] industry ranges from $681.25B to $0. The average market capitalization across the [@Savings Banks] industry is $22.54B.

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

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

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 SOFI’s TA Score has 3 bullish TA indicator(s).

  • ENVA’s TA Score: 6 bullish, 4 bearish.
  • SOFI’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than SOFI.

Price Growth

ENVA (@Savings Banks) experienced а +1.34% price change this week, while SOFI (@Savings Banks) price change was -2.53% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.63%. For the same industry, the average monthly price growth was +3.95%, and the average quarterly price growth was +28.95%.

Reported Earning Dates

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

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

Industries' Descriptions

@Savings Banks (-0.63% 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
SOFI($30.4B) has a higher market cap than ENVA($3.09B). SOFI has higher P/E ratio than ENVA: SOFI (50.76) vs ENVA (13.15). SOFI YTD gains are higher at: 64.805 vs. ENVA (28.682). ENVA (4B) and SOFI (4.04B) have identical debt. SOFI (3.06B) and ENVA (2.93B) have equivalent revenues.
ENVASOFIENVA / SOFI
Capitalization3.09B30.4B10%
EBITDA388MN/A-
Gain YTD28.68264.80544%
P/E Ratio13.1550.7626%
Revenue2.93B3.06B96%
Total Cash55.6MN/A-
Total Debt4B4.04B99%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
21
VALUATION
overvalued / fair valued / undervalued
1..100
74
Overvalued
PROFIT vs RISK RATING
1..100
7
SMR RATING
1..100
43
PRICE GROWTH RATING
1..100
40
P/E GROWTH RATING
1..100
55
SEASONALITY SCORE
1..100
50

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
ENVASOFI
RSI
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
73%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
84%
Momentum
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
85%
MACD
ODDS (%)
Bullish Trend 2 days ago
80%
Bearish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
75%
Bullish Trend 2 days ago
82%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
82%
Advances
ODDS (%)
Bullish Trend 9 days ago
74%
Bullish Trend 12 days ago
84%
Declines
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
82%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
69%
Bearish Trend 2 days ago
81%
Aroon
ODDS (%)
Bullish Trend 2 days ago
70%
Bullish Trend 2 days ago
86%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SOFI
Daily Signalchanged days ago
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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%
+2.84%
OMF - ENVA
82%
Closely correlated
+0.94%
SYF - ENVA
80%
Closely correlated
+1.81%
COF - ENVA
80%
Closely correlated
+2.25%
AXP - ENVA
79%
Closely correlated
+2.14%
BFH - ENVA
77%
Closely correlated
+1.69%
More

SOFI and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SOFI
1D Price
Change %
SOFI100%
+3.63%
OMF - SOFI
67%
Closely correlated
+0.94%
ENVA - SOFI
65%
Loosely correlated
+2.84%
UPST - SOFI
64%
Loosely correlated
+2.19%
AL - SOFI
63%
Loosely correlated
-0.25%
SYF - SOFI
62%
Loosely correlated
+1.81%
More