BFH
Price
$55.33
Change
+$0.20 (+0.36%)
Updated
May 14, 04:59 PM (EDT)
Capitalization
1.84B
70 days until earnings call
ENVA
Price
$98.74
Change
-$0.48 (-0.48%)
Updated
May 14, 04:59 PM (EDT)
Capitalization
1.77B
71 days until earnings call
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BFH vs ENVA

Header iconBFH vs ENVA Comparison
Open Charts BFH vs ENVABanner chart's image
Bread Financial Holdings
Price$55.33
Change+$0.20 (+0.36%)
Volume$8.97K
Capitalization1.84B
Enova International
Price$98.74
Change-$0.48 (-0.48%)
Volume$4.11K
Capitalization1.77B
BFH vs ENVA Comparison Chart
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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BFH vs. ENVA commentary
May 15, 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 BFH is a StrongBuy and ENVA is a StrongBuy.

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COMPARISON
Comparison
May 15, 2025
Stock price -- (BFH: $55.29 vs. ENVA: $99.22)
Brand notoriety: BFH: Notable vs. ENVA: Not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: BFH: 83% vs. ENVA: 53%
Market capitalization -- BFH: $1.84B vs. ENVA: $1.77B
BFH [@Finance/Rental/Leasing] is valued at $1.84B. ENVA’s [@Finance/Rental/Leasing] market capitalization is $1.77B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $12.93B.

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).

BFH’s FA Score shows that 2 FA rating(s) are green whileENVA’s FA Score has 1 green FA rating(s).

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

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.

BFH’s TA Score shows that 5 TA indicator(s) are bullish while ENVA’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

BFH (@Finance/Rental/Leasing) experienced а +14.12% price change this week, while ENVA (@Finance/Rental/Leasing) price change was +7.23% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +4.44%. For the same industry, the average monthly price growth was +15.42%, and the average quarterly price growth was +11.82%.

Reported Earning Dates

BFH is expected to report earnings on Jul 24, 2025.

ENVA is expected to report earnings on Jul 24, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+4.44% 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).

SUMMARIES
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FUNDAMENTALS
Fundamentals
BFH($1.84B) and ENVA($1.77B) have the same market capitalization . ENVA has higher P/E ratio than BFH: ENVA (11.25) vs BFH (2.44). ENVA YTD gains are higher at: 3.484 vs. BFH (-8.759). ENVA has less debt than BFH: ENVA (2.97B) vs BFH (5.44B). BFH has higher revenues than ENVA: BFH (4.3B) vs ENVA (2.12B).
BFHENVABFH / ENVA
Capitalization1.84B1.77B104%
EBITDAN/A266M-
Gain YTD-8.7593.484-251%
P/E Ratio2.4411.2522%
Revenue4.3B2.12B203%
Total CashN/A54.4M-
Total Debt5.44B2.97B183%
FUNDAMENTALS RATINGS
BFH vs ENVA: Fundamental Ratings
BFH
ENVA
OUTLOOK RATING
1..100
2469
VALUATION
overvalued / fair valued / undervalued
1..100
88
Overvalued
77
Overvalued
PROFIT vs RISK RATING
1..100
669
SMR RATING
1..100
645
PRICE GROWTH RATING
1..100
4448
P/E GROWTH RATING
1..100
946
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 (77) in the Finance Or Rental Or Leasing industry is in the same range as BFH (88) in the Data Processing Services industry. This means that ENVA’s stock grew similarly to BFH’s over the last 12 months.

ENVA's Profit vs Risk Rating (9) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for BFH (66) in the Data Processing Services industry. This means that ENVA’s stock grew somewhat faster than BFH’s over the last 12 months.

BFH's SMR Rating (6) in the Data Processing Services industry is somewhat better than the same rating for ENVA (45) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than ENVA’s over the last 12 months.

BFH's Price Growth Rating (44) in the Data Processing Services industry is in the same range as ENVA (48) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew similarly to ENVA’s over the last 12 months.

BFH's P/E Growth Rating (9) in the Data Processing Services industry is somewhat better than the same rating for ENVA (46) in the Finance Or Rental Or Leasing industry. This means that BFH’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BFHENVA
RSI
ODDS (%)
Bearish Trend 2 days ago
72%
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
84%
Bullish Trend 2 days ago
76%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bearish Trend 2 days ago
66%
MACD
ODDS (%)
Bullish Trend 2 days ago
84%
Bullish Trend 2 days ago
75%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
75%
Bullish Trend 2 days ago
76%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 2 days ago
72%
Advances
ODDS (%)
Bullish Trend 2 days ago
71%
Bullish Trend 2 days ago
76%
Declines
ODDS (%)
Bearish Trend 9 days ago
78%
Bearish Trend 8 days ago
67%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
85%
Bearish Trend 2 days ago
75%
Aroon
ODDS (%)
N/A
N/A
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BFH
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
ENVA
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
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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 83% 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%
+1.59%
OMF - ENVA
83%
Closely correlated
+1.12%
SYF - ENVA
79%
Closely correlated
+1.66%
COF - ENVA
79%
Closely correlated
+0.55%
AXP - ENVA
78%
Closely correlated
+1.13%
BFH - ENVA
76%
Closely correlated
+2.09%
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