ENVA
Price
$90.82
Change
-$0.46 (-0.50%)
Updated
May 23, 04:59 PM (EDT)
Capitalization
1.77B
62 days until earnings call
FCFS
Price
$127.54
Change
+$0.54 (+0.43%)
Updated
May 23, 04:59 PM (EDT)
Capitalization
5.75B
62 days until earnings call
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ENVA vs FCFS

Header iconENVA vs FCFS Comparison
Open Charts ENVA vs FCFSBanner chart's image
Enova International
Price$90.82
Change-$0.46 (-0.50%)
Volume$400
Capitalization1.77B
FirstCash Holdings
Price$127.54
Change+$0.54 (+0.43%)
Volume$3.06K
Capitalization5.75B
ENVA vs FCFS Comparison Chart
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. FCFS commentary
May 24, 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 ENVA is a Buy and FCFS is a Hold.

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COMPARISON
Comparison
May 24, 2025
Stock price -- (ENVA: $91.28 vs. FCFS: $127.00)
Brand notoriety: ENVA and FCFS are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 76% vs. FCFS: 102%
Market capitalization -- ENVA: $1.77B vs. FCFS: $5.75B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. FCFS’s [@Finance/Rental/Leasing] market capitalization is $5.75B. 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 $13.03B.

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 whileFCFS’s FA Score has 1 green FA rating(s).

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

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 5 TA indicator(s) are bullish while FCFS’s TA Score has 4 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 5 bearish.
  • FCFS’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, both ENVA and FCFS are a good buy in the short-term.

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -6.23% price change this week, while FCFS (@Finance/Rental/Leasing) price change was -0.09% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +3.23%. For the same industry, the average monthly price growth was +14.15%, and the average quarterly price growth was +15.28%.

Reported Earning Dates

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

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

Industries' Descriptions

@Finance/Rental/Leasing (+3.23% 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
FCFS($5.75B) has a higher market cap than ENVA($1.77B). FCFS has higher P/E ratio than ENVA: FCFS (26.15) vs ENVA (11.25). FCFS YTD gains are higher at: 23.347 vs. ENVA (-4.798). FCFS has higher annual earnings (EBITDA): 907M vs. ENVA (266M). FCFS has more cash in the bank: 127M vs. ENVA (54.4M). FCFS has less debt than ENVA: FCFS (1.92B) vs ENVA (2.97B). FCFS has higher revenues than ENVA: FCFS (3.15B) vs ENVA (2.12B).
ENVAFCFSENVA / FCFS
Capitalization1.77B5.75B31%
EBITDA266M907M29%
Gain YTD-4.79823.347-21%
P/E Ratio11.2526.1543%
Revenue2.12B3.15B67%
Total Cash54.4M127M43%
Total Debt2.97B1.92B154%
FUNDAMENTALS RATINGS
ENVA vs FCFS: Fundamental Ratings
ENVA
FCFS
OUTLOOK RATING
1..100
6674
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
97
Overvalued
PROFIT vs RISK RATING
1..100
1118
SMR RATING
1..100
4557
PRICE GROWTH RATING
1..100
5246
P/E GROWTH RATING
1..100
5064
SEASONALITY SCORE
1..100
2n/a

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 FCFS (97). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's Profit vs Risk Rating (11) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (18). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

ENVA's SMR Rating (45) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (57). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

FCFS's Price Growth Rating (46) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (52). This means that FCFS’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's P/E Growth Rating (50) in the Finance Or Rental Or Leasing industry is in the same range as FCFS (64). This means that ENVA’s stock grew similarly to FCFS’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAFCFS
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
56%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
61%
Momentum
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 2 days ago
66%
MACD
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
52%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
59%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
63%
Bullish Trend 2 days ago
66%
Advances
ODDS (%)
Bullish Trend 11 days ago
76%
Bullish Trend 19 days ago
65%
Declines
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 3 days ago
62%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
72%
Bullish Trend 2 days ago
79%
Aroon
ODDS (%)
Bullish Trend 2 days ago
73%
Bullish Trend 2 days ago
60%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS
Daily Signalchanged days ago
Gain/Loss if bought
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FCFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, FCFS has been loosely correlated with UPBD. These tickers have moved in lockstep 43% of the time. This A.I.-generated data suggests there is some statistical probability that if FCFS jumps, then UPBD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FCFS
1D Price
Change %
FCFS100%
+1.01%
UPBD - FCFS
43%
Loosely correlated
N/A
R - FCFS
41%
Loosely correlated
-0.56%
EZPW - FCFS
40%
Loosely correlated
N/A
ENVA - FCFS
37%
Loosely correlated
-1.23%
SLM - FCFS
36%
Loosely correlated
N/A
More