ENVA
Price
$161.60
Change
-$3.23 (-1.96%)
Updated
Jan 9 closing price
Capitalization
4B
24 days until earnings call
Intraday BUY SELL Signals
SYF
Price
$86.89
Change
-$0.84 (-0.96%)
Updated
Jan 9 closing price
Capitalization
31.3B
16 days until earnings call
Intraday BUY SELL Signals
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ENVA vs SYF

Header iconENVA vs SYF Comparison
Open Charts ENVA vs SYFBanner chart's image
Enova International
Price$161.60
Change-$3.23 (-1.96%)
Volume$170.18K
Capitalization4B
Synchrony Financial
Price$86.89
Change-$0.84 (-0.96%)
Volume$2.57M
Capitalization31.3B
ENVA vs SYF Comparison Chart in %
ENVA
Daily Signal:
Gain/Loss:
SYF
Daily Signal:
Gain/Loss:
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VS
ENVA vs. SYF commentary
Jan 12, 2026

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 SYF is a StrongBuy.

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COMPARISON
Comparison
Jan 12, 2026
Stock price -- (ENVA: $161.60 vs. SYF: $86.89)
Brand notoriety: ENVA: Not notable vs. SYF: Notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 67% vs. SYF: 81%
Market capitalization -- ENVA: $4B vs. SYF: $31.3B
ENVA [@Savings Banks] is valued at $4B. SYF’s [@Savings Banks] market capitalization is $31.3B. The market cap for tickers in the [@Savings Banks] industry ranges from $674.37B to $0. The average market capitalization across the [@Savings Banks] industry is $23.13B.

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

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

  • ENVA’s TA Score: 2 bullish, 6 bearish.
  • SYF’s TA Score: 2 bullish, 5 bearish.
According to our system of comparison, SYF is a better buy in the short-term than ENVA.

Price Growth

ENVA (@Savings Banks) experienced а -0.22% price change this week, while SYF (@Savings Banks) price change was +2.65% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +2.12%. For the same industry, the average monthly price growth was +0.42%, and the average quarterly price growth was +5.72%.

Reported Earning Dates

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

SYF is expected to report earnings on Jan 27, 2026.

Industries' Descriptions

@Savings Banks (+2.12% 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
SYF($31.3B) has a higher market cap than ENVA($4B). ENVA has higher P/E ratio than SYF: ENVA (14.94) vs SYF (9.53). SYF YTD gains are higher at: 4.147 vs. ENVA (2.799). ENVA has less debt than SYF: ENVA (4.14B) vs SYF (14.4B). SYF has higher revenues than ENVA: SYF (15B) vs ENVA (3.04B).
ENVASYFENVA / SYF
Capitalization4B31.3B13%
EBITDA424MN/A-
Gain YTD2.7994.14767%
P/E Ratio14.949.53157%
Revenue3.04B15B20%
Total Cash53.6MN/A-
Total Debt4.14B14.4B29%
FUNDAMENTALS RATINGS
ENVA vs SYF: Fundamental Ratings
ENVA
SYF
OUTLOOK RATING
1..100
8791
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
98
Overvalued
PROFIT vs RISK RATING
1..100
419
SMR RATING
1..100
404
PRICE GROWTH RATING
1..100
3814
P/E GROWTH RATING
1..100
5536
SEASONALITY SCORE
1..100
9050

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 (76) in the Finance Or Rental Or Leasing industry is in the same range as SYF (98). This means that ENVA’s stock grew similarly to SYF’s over the last 12 months.

ENVA's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is in the same range as SYF (19). This means that ENVA’s stock grew similarly to SYF’s over the last 12 months.

SYF's SMR Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (40). This means that SYF’s stock grew somewhat faster than ENVA’s over the last 12 months.

SYF's Price Growth Rating (14) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (38). This means that SYF’s stock grew similarly to ENVA’s over the last 12 months.

SYF's P/E Growth Rating (36) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (55). This means that SYF’s stock grew similarly to ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVASYF
RSI
ODDS (%)
Bearish Trend 3 days ago
70%
Bearish Trend 3 days ago
67%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 3 days ago
62%
Momentum
ODDS (%)
Bearish Trend 3 days ago
66%
N/A
MACD
ODDS (%)
Bearish Trend 3 days ago
66%
Bearish Trend 3 days ago
66%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
66%
Bullish Trend 3 days ago
70%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
70%
Bullish Trend 3 days ago
68%
Advances
ODDS (%)
Bullish Trend 4 days ago
75%
Bullish Trend 7 days ago
65%
Declines
ODDS (%)
Bearish Trend 12 days ago
66%
Bearish Trend 12 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
68%
Aroon
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 3 days ago
71%
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ENVA
Daily Signal:
Gain/Loss:
SYF
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 OMF. These tickers have moved in lockstep 79% 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%
-1.96%
OMF - ENVA
79%
Closely correlated
-0.23%
COF - ENVA
76%
Closely correlated
-2.53%
ALLY - ENVA
74%
Closely correlated
-0.41%
SYF - ENVA
73%
Closely correlated
-0.96%
AXP - ENVA
73%
Closely correlated
-1.92%
More

SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-0.96%
COF - SYF
87%
Closely correlated
-2.53%
OMF - SYF
86%
Closely correlated
-0.23%
BFH - SYF
85%
Closely correlated
-1.10%
AXP - SYF
85%
Closely correlated
-1.92%
ALLY - SYF
80%
Closely correlated
-0.41%
More