CACC
Price
$463.92
Change
+$0.75 (+0.16%)
Updated
Aug 11 closing price
Capitalization
5.21B
83 days until earnings call
ENVA
Price
$106.67
Change
+$2.41 (+2.31%)
Updated
Aug 12, 10:43 AM (EDT)
Capitalization
2.61B
72 days until earnings call
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CACC vs ENVA

Header iconCACC vs ENVA Comparison
Open Charts CACC vs ENVABanner chart's image
Credit Acceptance
Price$463.92
Change+$0.75 (+0.16%)
Volume$97.43K
Capitalization5.21B
Enova International
Price$106.67
Change+$2.41 (+2.31%)
Volume$200
Capitalization2.61B
CACC vs ENVA Comparison Chart in %
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CACC
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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VS
CACC vs. ENVA commentary
Aug 12, 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 CACC is a Hold and ENVA is a StrongBuy.

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COMPARISON
Comparison
Aug 12, 2025
Stock price -- (CACC: $463.25 vs. ENVA: $104.27)
Brand notoriety: CACC and ENVA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: CACC: 63% vs. ENVA: 63%
Market capitalization -- CACC: $5.21B vs. ENVA: $2.61B
CACC [@Savings Banks] is valued at $5.21B. ENVA’s [@Savings Banks] market capitalization is $2.61B. The market cap for tickers in the [@Savings Banks] industry ranges from $651.96B to $0. The average market capitalization across the [@Savings Banks] industry is $21.11B.

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).

CACC’s FA Score shows that 0 FA rating(s) are green whileENVA’s FA Score has 1 green FA rating(s).

  • CACC’s FA Score: 0 green, 5 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 CACC.

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.

CACC’s TA Score shows that 4 TA indicator(s) are bullish while ENVA’s TA Score has 4 bullish TA indicator(s).

  • CACC’s TA Score: 4 bullish, 6 bearish.
  • ENVA’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, both CACC and ENVA are a bad buy in the short-term.

Price Growth

CACC (@Savings Banks) experienced а +3.36% price change this week, while ENVA (@Savings Banks) price change was +1.63% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.31%. For the same industry, the average monthly price growth was +0.16%, and the average quarterly price growth was +20.07%.

Reported Earning Dates

CACC is expected to report earnings on Nov 03, 2025.

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

Industries' Descriptions

@Savings Banks (-0.31% 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
CACC($5.21B) has a higher market cap than ENVA($2.61B). CACC has higher P/E ratio than ENVA: CACC (13.38) vs ENVA (11.12). ENVA YTD gains are higher at: 8.751 vs. CACC (-1.323). CACC has higher annual earnings (EBITDA): 555M vs. ENVA (388M). CACC has more cash in the bank: 70M vs. ENVA (55.6M). ENVA has less debt than CACC: ENVA (4B) vs CACC (6.47B). ENVA has higher revenues than CACC: ENVA (2.93B) vs CACC (2.24B).
CACCENVACACC / ENVA
Capitalization5.21B2.61B200%
EBITDA555M388M143%
Gain YTD-1.3238.751-15%
P/E Ratio13.3811.12120%
Revenue2.24B2.93B76%
Total Cash70M55.6M126%
Total Debt6.47B4B162%
FUNDAMENTALS RATINGS
CACC vs ENVA: Fundamental Ratings
CACC
ENVA
OUTLOOK RATING
1..100
6665
VALUATION
overvalued / fair valued / undervalued
1..100
78
Overvalued
68
Overvalued
PROFIT vs RISK RATING
1..100
9410
SMR RATING
1..100
3642
PRICE GROWTH RATING
1..100
6256
P/E GROWTH RATING
1..100
9669
SEASONALITY SCORE
1..100
n/a85

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 (68) in the Finance Or Rental Or Leasing industry is in the same range as CACC (78). This means that ENVA’s stock grew similarly to CACC’s over the last 12 months.

ENVA's Profit vs Risk Rating (10) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for CACC (94). This means that ENVA’s stock grew significantly faster than CACC’s over the last 12 months.

CACC's SMR Rating (36) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (42). This means that CACC’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (56) in the Finance Or Rental Or Leasing industry is in the same range as CACC (62). This means that ENVA’s stock grew similarly to CACC’s over the last 12 months.

ENVA's P/E Growth Rating (69) in the Finance Or Rental Or Leasing industry is in the same range as CACC (96). This means that ENVA’s stock grew similarly to CACC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
CACCENVA
RSI
ODDS (%)
Bullish Trend 1 day ago
78%
Bullish Trend 1 day ago
89%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 1 day ago
72%
Momentum
ODDS (%)
Bearish Trend 1 day ago
68%
Bearish Trend 1 day ago
64%
MACD
ODDS (%)
Bearish Trend 1 day ago
69%
Bearish Trend 1 day ago
66%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 1 day ago
76%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
62%
Advances
ODDS (%)
Bullish Trend 7 days ago
76%
Bullish Trend 1 day ago
75%
Declines
ODDS (%)
Bearish Trend 5 days ago
71%
Bearish Trend 12 days ago
66%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
82%
Bullish Trend 1 day ago
78%
Aroon
ODDS (%)
Bearish Trend 1 day ago
73%
Bearish Trend 1 day ago
68%
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CACC
Daily Signalchanged days ago
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ENVA
Daily Signalchanged days ago
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CACC and

Correlation & Price change

A.I.dvisor indicates that over the last year, CACC 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 CACC jumps, then OMF could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To CACC
1D Price
Change %
CACC100%
+0.02%
OMF - CACC
67%
Closely correlated
-0.34%
ALLY - CACC
66%
Loosely correlated
-0.69%
SYF - CACC
64%
Loosely correlated
+0.24%
COF - CACC
62%
Loosely correlated
+0.01%
ENVA - CACC
62%
Loosely correlated
+1.13%
More

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%
+1.13%
OMF - ENVA
82%
Closely correlated
-0.34%
SYF - ENVA
79%
Closely correlated
+0.24%
COF - ENVA
79%
Closely correlated
+0.01%
AXP - ENVA
77%
Closely correlated
-0.40%
BFH - ENVA
75%
Closely correlated
+0.24%
More