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ENVA vs HRI
Which Stock Would AI Choose? Enova International (ENVA) vs. Herc Holdings (HRI) Stock Comparison
Key Takeaways
- Enova International (ENVA) has delivered stronger long-term performance with an 81% one-year return, outperforming the S&P 500, compared to Herc Holdings' (HRI) 3.5% return.
- HRI leads year-to-date with 25% gains versus ENVA's 5%, driven by robust quarterly revenue growth of 27%.
- ENVA exhibits superior profitability with trailing twelve-month (TTM) EPS (earnings per share) of $11.52 and a reasonable P/E (price-to-earnings) ratio of 14.3, while HRI's TTM EPS is just $0.03 amid thin margins.
- Both stocks trade near multi-year highs with analyst targets suggesting upside—$187 for ENVA and $168 for HRI—ahead of Q1 earnings.
- HRI offers a 2.5% dividend yield but carries higher risk with a beta of 1.82 and debt-to-equity over 497%, contrasting ENVA's no-dividend, lower-beta profile of 1.21.
Introduction
This stock comparison pits Enova International (ENVA), a fintech leader in online lending, against Herc Holdings (HRI), a key player in equipment rental. Both mid-cap names offer exposure to distinct sectors—financial services and industrials—appealing to traders seeking relative performance insights amid volatile markets. Investors balancing growth-oriented fintech with cyclical industrials may find value in evaluating their recent momentum, valuation metrics, and upcoming catalysts like Q1 earnings. This analysis highlights contrasts in profitability, volatility, and market positioning for informed decision-making in today's environment.
ENVA Overview and Recent Performance
Enova International (ENVA) is a technology-driven financial services provider offering installment loans, lines of credit, and money transfers to underserved consumers and small businesses under brands like CashNetUSA and NetCredit. In recent market activity, shares have climbed toward the upper end of their 52-week range ($89–$177), closing around $165 with positive momentum. Year-to-date gains stand at 5%, building on an impressive 81% one-year return that outpaces broader benchmarks. Influences include anticipation for Q1 earnings on April 23, strong TTM revenue of $1.49 billion, and EPS of $11.52, fostering positive sentiment. Analyst upgrades, like Citizens JMP's raised target to $182, underscore confidence in sustained growth despite a beta of 1.21 indicating moderate volatility.
HRI Overview and Recent Performance
Herc Holdings (HRI) specializes in renting equipment like aerial lifts and earthmovers to construction, industrial, and government sectors, complemented by maintenance and sales services. Recent weeks have seen shares stabilize around $111 within a 52-week range of $88–$188, with year-to-date returns of 25% leading peers. TTM revenue reached $4.38 billion, boosted by 27% quarterly growth, though profitability remains pressured with TTM EPS at $0.03 and slim 0.02% profit margins. A 2.5% dividend yield attracts income seekers, but high debt-to-equity (497%) and beta of 1.82 signal elevated risk. Citigroup's recent Buy reiteration with a $135 target reflects optimism ahead of April 28 Q1 results, amid broader industrial recovery signals.
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Head-to-Head Comparison
ENVA's digital lending model thrives on scalable fintech growth and recurring revenue from loans, contrasting HRI's asset-heavy equipment rental business tied to construction cycles. Growth drivers differ: ENVA leverages origination volume and analytics for efficiency, while HRI benefits from infrastructure demand but faces margin squeezes from high fixed costs and debt. Recent momentum favors HRI's YTD surge, yet ENVA's multi-year consistency shines. Risk profiles diverge—HRI's higher beta and leverage amplify downturns, versus ENVA's balanced volatility. Sector exposure pits financials (sensitive to rates) against industrials (cyclical but dividend-backed). Sentiment tilts positive for both via analyst support, though ENVA's forward P/E of 10.3 suggests better value relative to profitability.
Tickeron AI Verdict
Tickeron's AI models would likely lean toward Enova International (ENVA) in the current environment, given its trend consistency, robust EPS growth, and attractive forward valuation amid stable fintech demand. HRI's (HRI) superior YTD gains and revenue momentum offer cyclical upside, but elevated debt and profitability challenges temper enthusiasm. Observable factors like lower beta and stronger relative positioning position ENVA with higher probability for sustained outperformance, pending earnings outcomes.
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 disclaimer. 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 ENVA is a Buy and HRI 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).
ENVA’s FA Score shows that 2 FA rating(s) are green whileHRI’s FA Score has 1 green FA rating(s).
- ENVA’s FA Score: 2 green, 3 red.
- HRI’s FA Score: 1 green, 4 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.
ENVA’s TA Score shows that 3 TA indicator(s) are bullish while HRI’s TA Score has 4 bullish TA indicator(s).
- ENVA’s TA Score: 3 bullish, 5 bearish.
- HRI’s TA Score: 4 bullish, 3 bearish.
Price Growth
ENVA (@Savings Banks) experienced а +8.24% price change this week, while HRI (@Finance/Rental/Leasing) price change was +1.24% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -0.17%. For the same industry, the average monthly price growth was +3.44%, and the average quarterly price growth was -4.05%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.45%. For the same industry, the average monthly price growth was +11.61%, and the average quarterly price growth was +26.77%.
Reported Earning Dates
ENVA is expected to report earnings on Jul 23, 2026.
HRI is expected to report earnings on Jul 16, 2026.
Industries' Descriptions
@Savings Banks (-0.17% 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.
@Finance/Rental/Leasing (+0.45% 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).
| ENVA | HRI | ENVA / HRI | |
| Capitalization | 5.25B | 4.79B | 110% |
| EBITDA | 469M | 1.66B | 28% |
| Gain YTD | 30.242 | 4.421 | 684% |
| P/E Ratio | 16.66 | 4153.67 | 0% |
| Revenue | 3.28B | 4.61B | 71% |
| Total Cash | 96.1M | 43M | 223% |
| Total Debt | 4.86B | 9.64B | 50% |
ENVA | HRI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 42 | 15 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 89 Overvalued | 97 Overvalued | |
PROFIT vs RISK RATING 1..100 | 6 | 74 | |
SMR RATING 1..100 | 38 | 92 | |
PRICE GROWTH RATING 1..100 | 37 | 40 | |
P/E GROWTH RATING 1..100 | 24 | 1 | |
SEASONALITY SCORE 1..100 | 48 | 38 |
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 (89) in the Finance Or Rental Or Leasing industry is in the same range as HRI (97). This means that ENVA’s stock grew similarly to HRI’s over the last 12 months.
ENVA's Profit vs Risk Rating (6) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for HRI (74). This means that ENVA’s stock grew significantly faster than HRI’s over the last 12 months.
ENVA's SMR Rating (38) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for HRI (92). This means that ENVA’s stock grew somewhat faster than HRI’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 HRI (40). This means that ENVA’s stock grew similarly to HRI’s over the last 12 months.
HRI's P/E Growth Rating (1) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (24). This means that HRI’s stock grew similarly to ENVA’s over the last 12 months.
| ENVA | HRI | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 71% | N/A |
| Stochastic ODDS (%) | 2 days ago 62% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 79% | 2 days ago 76% |
| MACD ODDS (%) | 2 days ago 69% | 2 days ago 78% |
| TrendWeek ODDS (%) | 2 days ago 74% | 2 days ago 76% |
| TrendMonth ODDS (%) | 2 days ago 70% | 2 days ago 76% |
| Advances ODDS (%) | 2 days ago 73% | 9 days ago 74% |
| Declines ODDS (%) | 9 days ago 65% | 7 days ago 76% |
| BollingerBands ODDS (%) | 2 days ago 65% | 2 days ago 65% |
| Aroon ODDS (%) | 2 days ago 63% | 2 days ago 70% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| QVMT | 69.32 | 0.91 | +1.34% |
| Invesco S&P S&P 500 Concentrated QVM ETF | |||
| EAOK | 28.19 | N/A | N/A |
| iShares ESG Aware 30/70 Cnsrv Allc ETF | |||
| ESGU | 162.89 | -0.34 | -0.21% |
| iShares ESG Aware MSCI USA ETF | |||
| PDT | 12.61 | -0.11 | -0.86% |
| John Hancock Premium Dividend Fund | |||
| ELD | 28.71 | -0.28 | -0.97% |
| WisdomTree Emerging Markets Lcl Dbt ETF | |||
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% | +1.08% | ||
| ALLY - ENVA | 69% Closely correlated | +0.18% | ||
| URI - ENVA | 68% Closely correlated | +1.47% | ||
| R - ENVA | 68% Closely correlated | +0.64% | ||
| COF - ENVA | 64% Loosely correlated | -0.41% | ||
| OMF - ENVA | 64% Loosely correlated | +0.09% | ||
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