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AER vs ENVA
Which Stock Would AI Choose? AerCap Holdings N.V. (AER) vs. Enova International, Inc. (ENVA) Stock Comparison
Key Takeaways
- ENVA demonstrates stronger year-to-date performance at +8.66% compared to AER's +3.69%, reflecting robust recent earnings results.
- AER trades at a lower price-to-earnings (P/E) ratio of 6.48 versus ENVA's 13.91, indicating potentially undervalued shares amid aviation sector recovery.
- ENVA reported Q1 2026 revenue growth of 17% to $875 million and adjusted EPS (earnings per share) of $3.87, beating estimates, with 33% origination growth.
- AER completed 286 transactions and $3 billion in financing in Q1 2026 but issued cautious full-year guidance below consensus.
- Both stocks carry high debt-to-equity ratios (AER at 238%, ENVA at 347%), highlighting leverage risks in their respective leasing and lending models.
- AER's larger market cap of $22.5 billion dwarfs ENVA's $4.3 billion, offering scale but exposing it to aviation cyclicality.
Introduction
This comparison examines AER and ENVA amid divergent sector dynamics in the Industrials and Financial Services spaces. AerCap Holdings N.V. dominates aircraft leasing, while Enova International, Inc. leads in fintech lending. Traders seeking momentum plays may eye ENVA's growth trajectory, whereas value-oriented investors could favor AER's asset-backed stability. Recent market activity highlights contrasts in earnings momentum and guidance, aiding decisions on relative performance and positioning in a volatile environment. This analysis draws on verifiable data to illuminate trade-offs for diversified portfolios.
AER Overview and Recent Performance
AerCap Holdings N.V. (AER) is a global leader in aircraft leasing, financing, sales, and management, with a portfolio exceeding 3,500 assets. Headquartered in Dublin, Ireland, it benefits from aviation demand recovery post-pandemic. In recent weeks, shares traded around $138, within a 52-week range of $103 to $155, reflecting year-to-date gains of 3.69% and one-year returns of 36%. Key developments include 286 asset transactions and $3 billion in Q1 2026 financing, alongside record 2025 results with $8.5 billion revenue. However, cautious 2026 guidance of $12–$13 adjusted EPS below consensus prompted share pressure, influenced by airline fleet uncertainties and high leverage (debt-to-equity at 238%). Sentiment balances asset strength against cyclical risks.
ENVA Overview and Recent Performance
Enova International, Inc. (ENVA) operates as a fintech firm offering installment loans, lines of credit, and related services via brands like CashNetUSA and NetCredit, targeting consumers and small businesses in the U.S. and beyond. Chicago-based, it leverages technology for credit analytics. Recent market activity saw shares near $171, in a 52-week range of $89 to $177, with year-to-date gains of 8.66% and one-year returns of 74%. Q1 2026 results shone with revenue up 17% to $875 million, net income of $91 million, and adjusted EPS of $3.87 beating estimates, driven by 33% origination growth to $2.3 billion. Positive guidance for 20% revenue and 25%+ EPS growth bolstered sentiment, though elevated debt-to-equity (347%) underscores credit cycle sensitivity.
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Head-to-Head Comparison
AER and ENVA diverge sharply in business models: AER's asset-heavy leasing ties to aviation cycles, with growth from fleet demand but risks from airline defaults; ENVA's lending platform drives scalable originations amid consumer credit needs, exposed to delinquency upticks. Recent momentum favors ENVA's post-earnings surge versus AER's guidance dip. Risk profiles feature high leverage for both, but AER offers sector stability via owned assets, while ENVA boasts higher ROE (25%) on nimble fintech ops. Market sentiment leans toward ENVA's growth catalysts, contrasting AER's value pricing, with AER's Industrials exposure buffering fintech volatility.
Tickeron AI Verdict
Tickeron's AI models currently lean toward ENVA with higher probability, citing consistent earnings beats, 25%+ EPS growth outlook, and superior recent momentum over AER's tempered guidance and aviation headwinds. AER remains viable for value plays with low P/E and transaction volume, but ENVA's trend stability edges it in probabilistic short-term positioning.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
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 AER is a Hold and ENVA is a Hold.
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).
AER’s FA Score shows that 2 FA rating(s) are green whileENVA’s FA Score has 2 green FA rating(s).
- AER’s FA Score: 2 green, 3 red.
- ENVA’s FA Score: 2 green, 3 red.
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.
AER’s TA Score shows that 4 TA indicator(s) are bullish while ENVA’s TA Score has 3 bullish TA indicator(s).
- AER’s TA Score: 4 bullish, 5 bearish.
- ENVA’s TA Score: 3 bullish, 5 bearish.
Price Growth
AER (@Finance/Rental/Leasing) experienced а +5.19% price change this week, while ENVA (@Savings Banks) price change was +6.84% for the same time period.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +2.55%. For the same industry, the average monthly price growth was +13.82%, and the average quarterly price growth was +28.13%.
The average weekly price growth across all stocks in the @Savings Banks industry was +1.12%. For the same industry, the average monthly price growth was +3.23%, and the average quarterly price growth was -4.46%.
Reported Earning Dates
AER is expected to report earnings on Aug 05, 2026.
ENVA is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Finance/Rental/Leasing (+2.55% weekly)A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).
@Savings Banks (+1.12% 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.
| AER | ENVA | AER / ENVA | |
| Capitalization | 23.2B | 5.1B | 455% |
| EBITDA | 5.5B | 469M | 1,172% |
| Gain YTD | 1.458 | 28.849 | 5% |
| P/E Ratio | 6.45 | 16.66 | 39% |
| Revenue | 8.68B | 3.28B | 265% |
| Total Cash | 1.48B | 96.1M | 1,540% |
| Total Debt | 43.1B | 4.86B | 886% |
AER | ENVA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 15 Undervalued | 89 Overvalued | |
PROFIT vs RISK RATING 1..100 | 12 | 6 | |
SMR RATING 1..100 | 43 | 38 | |
PRICE GROWTH RATING 1..100 | 48 | 37 | |
P/E GROWTH RATING 1..100 | 87 | 23 | |
SEASONALITY SCORE 1..100 | 55 | 49 |
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.
AER's Valuation (15) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ENVA (89). This means that AER’s stock grew significantly faster than ENVA’s over the last 12 months.
ENVA's Profit vs Risk Rating (6) in the Finance Or Rental Or Leasing industry is in the same range as AER (12). This means that ENVA’s stock grew similarly to AER’s over the last 12 months.
ENVA's SMR Rating (38) in the Finance Or Rental Or Leasing industry is in the same range as AER (43). This means that ENVA’s stock grew similarly to AER’s over the last 12 months.
ENVA's Price Growth Rating (37) in the Finance Or Rental Or Leasing industry is in the same range as AER (48). This means that ENVA’s stock grew similarly to AER’s over the last 12 months.
ENVA's P/E Growth Rating (23) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for AER (87). This means that ENVA’s stock grew somewhat faster than AER’s over the last 12 months.
| AER | ENVA | |
|---|---|---|
| RSI ODDS (%) | N/A | 5 days ago 69% |
| Stochastic ODDS (%) | 5 days ago 46% | 5 days ago 62% |
| Momentum ODDS (%) | 5 days ago 74% | 5 days ago 79% |
| MACD ODDS (%) | 5 days ago 68% | 5 days ago 79% |
| TrendWeek ODDS (%) | 5 days ago 70% | 5 days ago 74% |
| TrendMonth ODDS (%) | 5 days ago 68% | 5 days ago 70% |
| Advances ODDS (%) | 5 days ago 70% | 5 days ago 73% |
| Declines ODDS (%) | 21 days ago 55% | 8 days ago 65% |
| BollingerBands ODDS (%) | 5 days ago 55% | 5 days ago 69% |
| Aroon ODDS (%) | 5 days ago 51% | 5 days ago 63% |
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AER and
Correlation & Price change
A.I.dvisor indicates that over the last year, AER has been closely correlated with AXP. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if AER jumps, then AXP could also see price increases.
ENVA and
Correlation & Price change
A.I.dvisor indicates that over the last year, ENVA has been closely correlated with ALLY. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then ALLY could also see price increases.
| Ticker / NAME | Correlation To ENVA | 1D Price Change % | ||
|---|---|---|---|---|
| ENVA | 100% | +2.66% | ||
| ALLY - ENVA | 69% Closely correlated | -0.02% | ||
| URI - ENVA | 68% Closely correlated | +2.65% | ||
| R - ENVA | 68% Closely correlated | -1.03% | ||
| OMF - ENVA | 64% Loosely correlated | +0.99% | ||
| COF - ENVA | 64% Loosely correlated | +0.33% | ||
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