ENVA
Price
$119.97
Change
-$0.28 (-0.23%)
Updated
Sep 3 closing price
Capitalization
3B
49 days until earnings call
LMFA
Price
$1.10
Change
-$0.15 (-12.00%)
Updated
Sep 3 closing price
Capitalization
16.72M
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ENVA vs LMFA

Header iconENVA vs LMFA Comparison
Open Charts ENVA vs LMFABanner chart's image
Enova International
Price$119.97
Change-$0.28 (-0.23%)
Volume$244.57K
Capitalization3B
LM Funding America
Price$1.10
Change-$0.15 (-12.00%)
Volume$581.64K
Capitalization16.72M
ENVA vs LMFA Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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LMFA
Daily Signalchanged days ago
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ENVA vs. LMFA commentary
Sep 04, 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 StrongBuy and LMFA is a StrongBuy.

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COMPARISON
Comparison
Sep 04, 2025
Stock price -- (ENVA: $119.97 vs. LMFA: $1.10)
Brand notoriety: ENVA and LMFA are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 79% vs. LMFA: 22%
Market capitalization -- ENVA: $3B vs. LMFA: $16.72M
ENVA [@Savings Banks] is valued at $3B. LMFA’s [@Savings Banks] market capitalization is $16.72M. The market cap for tickers in the [@Savings Banks] industry ranges from $681.02B to $0. The average market capitalization across the [@Savings Banks] industry is $22.4B.

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

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

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 6 TA indicator(s) are bullish while LMFA’s TA Score has 4 bullish TA indicator(s).

  • ENVA’s TA Score: 6 bullish, 4 bearish.
  • LMFA’s TA Score: 4 bullish, 6 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than LMFA.

Price Growth

ENVA (@Savings Banks) experienced а +0.16% price change this week, while LMFA (@Savings Banks) price change was -13.39% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -0.47%. For the same industry, the average monthly price growth was +4.33%, and the average quarterly price growth was +29.46%.

Reported Earning Dates

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

Industries' Descriptions

@Savings Banks (-0.47% 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
ENVA($3B) has a higher market cap than LMFA($16.7M). ENVA YTD gains are higher at: 25.125 vs. LMFA (-48.837). ENVA has more cash in the bank: 55.6M vs. LMFA (827K). LMFA has less debt than ENVA: LMFA (7.36M) vs ENVA (4B). ENVA has higher revenues than LMFA: ENVA (2.93B) vs LMFA (12.5M).
ENVALMFAENVA / LMFA
Capitalization3B16.7M17,970%
EBITDA388MN/A-
Gain YTD25.125-48.837-51%
P/E Ratio12.79N/A-
Revenue2.93B12.5M23,432%
Total Cash55.6M827K6,723%
Total Debt4B7.36M54,308%
FUNDAMENTALS RATINGS
ENVA vs LMFA: Fundamental Ratings
ENVA
LMFA
OUTLOOK RATING
1..100
1952
VALUATION
overvalued / fair valued / undervalued
1..100
73
Overvalued
14
Undervalued
PROFIT vs RISK RATING
1..100
7100
SMR RATING
1..100
4296
PRICE GROWTH RATING
1..100
4094
P/E GROWTH RATING
1..100
5892
SEASONALITY SCORE
1..100
5031

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.

LMFA's Valuation (14) in the Miscellaneous Commercial Services industry is somewhat better than the same rating for ENVA (73) in the Finance Or Rental Or Leasing industry. This means that LMFA’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (7) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for LMFA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew significantly faster than LMFA’s over the last 12 months.

ENVA's SMR Rating (42) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (96) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

ENVA's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (94) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

ENVA's P/E Growth Rating (58) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LMFA (92) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew somewhat faster than LMFA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVALMFA
RSI
ODDS (%)
Bearish Trend 1 day ago
60%
Bullish Trend 1 day ago
85%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
65%
Bullish Trend 1 day ago
88%
Momentum
ODDS (%)
Bullish Trend 1 day ago
80%
Bearish Trend 1 day ago
90%
MACD
ODDS (%)
Bullish Trend 1 day ago
76%
Bearish Trend 1 day ago
90%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
75%
Bearish Trend 1 day ago
90%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
71%
Bearish Trend 1 day ago
90%
Advances
ODDS (%)
Bullish Trend 8 days ago
74%
Bullish Trend 8 days ago
88%
Declines
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 10 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
66%
Bullish Trend 1 day ago
90%
Aroon
ODDS (%)
Bullish Trend 1 day ago
70%
Bearish Trend 1 day ago
90%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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LMFA
Daily Signalchanged days ago
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LMFA and

Correlation & Price change

A.I.dvisor tells us that LMFA and SOFI have been poorly correlated (+32% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that LMFA and SOFI's prices will move in lockstep.

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1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LMFA
1D Price
Change %
LMFA100%
-12.00%
SOFI - LMFA
32%
Poorly correlated
-1.69%
GATX - LMFA
29%
Poorly correlated
-0.51%
ENVA - LMFA
29%
Poorly correlated
-0.23%
COF - LMFA
27%
Poorly correlated
-0.87%
FCFS - LMFA
26%
Poorly correlated
+0.15%
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