ENVA
Price
$158.86
Change
+$50.86 (+47.09%)
Updated
Feb 3, 04:18 PM (EDT)
Capitalization
4.26B
84 days until earnings call
Intraday BUY SELL Signals
SYF
Price
$73.88
Change
+$2.89 (+4.07%)
Updated
Feb 3, 04:59 PM (EDT)
Capitalization
25.54B
84 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$158.86
Change+$50.86 (+47.09%)
Volume$577
Capitalization4.26B
Synchrony Financial
Price$73.88
Change+$2.89 (+4.07%)
Volume$45.86K
Capitalization25.54B
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
Feb 04, 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 StrongBuy and SYF is a Hold.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (ENVA: $172.37 vs. SYF: $73.52)
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: 280% vs. SYF: 95%
Market capitalization -- ENVA: $4.26B vs. SYF: $25.54B
ENVA [@Savings Banks] is valued at $4.26B. SYF’s [@Savings Banks] market capitalization is $25.54B. The market cap for tickers in the [@Savings Banks] industry ranges from $642.05B to $0. The average market capitalization across the [@Savings Banks] industry is $21.22B.

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 2 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • SYF’s FA Score: 2 green, 3 red.
According to our system of comparison, ENVA is a better buy in the long-term than SYF.

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

  • ENVA’s TA Score: 3 bullish, 5 bearish.
  • SYF’s TA Score: 5 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 +8.72% price change this week, while SYF (@Savings Banks) price change was -5.15% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -1.68%. For the same industry, the average monthly price growth was -3.29%, and the average quarterly price growth was +2.11%.

Reported Earning Dates

ENVA is expected to report earnings on Apr 28, 2026.

SYF is expected to report earnings on Apr 28, 2026.

Industries' Descriptions

@Savings Banks (-1.68% 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($25.5B) has a higher market cap than ENVA($4.26B). ENVA has higher P/E ratio than SYF: ENVA (14.96) vs SYF (7.92). ENVA YTD gains are higher at: 9.650 vs. SYF (-11.878). 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
Capitalization4.26B25.5B17%
EBITDA424MN/A-
Gain YTD9.650-11.878-81%
P/E Ratio14.967.92189%
Revenue3.04B15B20%
Total Cash53.6MN/A-
Total Debt4.14B14.4B29%
FUNDAMENTALS RATINGS
ENVA vs SYF: Fundamental Ratings
ENVA
SYF
OUTLOOK RATING
1..100
2060
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
98
Overvalued
PROFIT vs RISK RATING
1..100
432
SMR RATING
1..100
394
PRICE GROWTH RATING
1..100
3961
P/E GROWTH RATING
1..100
7053
SEASONALITY SCORE
1..100
6575

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 (32). 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 (39). This means that SYF’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as SYF (61). This means that ENVA’s stock grew similarly to SYF’s over the last 12 months.

SYF's P/E Growth Rating (53) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (70). 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 2 days ago
64%
Bullish Trend 2 days ago
88%
Stochastic
ODDS (%)
Bearish Trend 2 days ago
65%
Bullish Trend 2 days ago
76%
Momentum
ODDS (%)
Bullish Trend 2 days ago
72%
Bearish Trend 2 days ago
51%
MACD
ODDS (%)
Bullish Trend 2 days ago
83%
Bearish Trend 5 days ago
60%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
74%
Bearish Trend 2 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
69%
Bearish Trend 2 days ago
67%
Advances
ODDS (%)
Bullish Trend 2 days ago
74%
Bullish Trend 13 days ago
65%
Declines
ODDS (%)
Bearish Trend 22 days ago
66%
Bearish Trend 5 days ago
65%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
60%
Bullish Trend 2 days ago
69%
Aroon
ODDS (%)
Bearish Trend 2 days ago
68%
Bullish Trend 2 days ago
73%
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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 78% 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%
+4.36%
OMF - ENVA
78%
Closely correlated
-0.27%
COF - ENVA
74%
Closely correlated
+2.17%
ALLY - ENVA
74%
Closely correlated
+0.43%
AXP - ENVA
72%
Closely correlated
+0.19%
SYF - ENVA
71%
Closely correlated
+1.23%
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 86% 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%
+1.23%
COF - SYF
86%
Closely correlated
+2.17%
OMF - SYF
86%
Closely correlated
-0.27%
AXP - SYF
85%
Closely correlated
+0.19%
BFH - SYF
84%
Closely correlated
+0.70%
ALLY - SYF
78%
Closely correlated
+0.43%
More