ENVA
Price
$97.26
Change
+$0.72 (+0.75%)
Updated
Jun 9, 11:28 AM (EDT)
Capitalization
1.77B
45 days until earnings call
LMFA
Price
$1.95
Change
+$0.11 (+5.98%)
Updated
Jun 6 closing price
Capitalization
8.4M
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ENVA vs LMFA

Header iconENVA vs LMFA Comparison
Open Charts ENVA vs LMFABanner chart's image
Enova International
Price$97.26
Change+$0.72 (+0.75%)
Volume$500
Capitalization1.77B
LM Funding America
Price$1.95
Change+$0.11 (+5.98%)
Volume$67.21K
Capitalization8.4M
ENVA vs LMFA Comparison Chart
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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
Jun 09, 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 Hold.

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COMPARISON
Comparison
Jun 09, 2025
Stock price -- (ENVA: $96.54 vs. LMFA: $1.95)
Brand notoriety: ENVA and LMFA are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 66% vs. LMFA: 82%
Market capitalization -- ENVA: $1.77B vs. LMFA: $8.4M
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. LMFA’s [@Finance/Rental/Leasing] market capitalization is $8.4M. 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 $13.11B.

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).

ENVA’s FA Score shows that 1 FA rating(s) are green whileLMFA’s FA Score has 0 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • LMFA’s FA Score: 0 green, 5 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 5 TA indicator(s) are bullish while LMFA’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а +4.18% price change this week, while LMFA (@Finance/Rental/Leasing) price change was +1.04% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.32%. For the same industry, the average monthly price growth was +7.59%, and the average quarterly price growth was +13.10%.

Reported Earning Dates

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

LMFA is expected to report earnings on Mar 31, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.32% 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
ENVA($1.77B) has a higher market cap than LMFA($8.4M). ENVA has higher P/E ratio than LMFA: ENVA (11.25) vs LMFA (2.05). ENVA YTD gains are higher at: 0.688 vs. LMFA (-9.302). ENVA has more cash in the bank: 54.4M vs. LMFA (469K). LMFA has less debt than ENVA: LMFA (285K) vs ENVA (2.97B). ENVA has higher revenues than LMFA: ENVA (2.12B) vs LMFA (-5.67M).
ENVALMFAENVA / LMFA
Capitalization1.77B8.4M21,069%
EBITDA266MN/A-
Gain YTD0.688-9.302-7%
P/E Ratio11.252.05549%
Revenue2.12B-5.67M-37,380%
Total Cash54.4M469K11,599%
Total Debt2.97B285K1,042,456%
FUNDAMENTALS RATINGS
ENVA vs LMFA: Fundamental Ratings
ENVA
LMFA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
69
Overvalued
PROFIT vs RISK RATING
1..100
10100
SMR RATING
1..100
4594
PRICE GROWTH RATING
1..100
4649
P/E GROWTH RATING
1..100
4492
SEASONALITY SCORE
1..100
50n/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.

LMFA's Valuation (69) in the Miscellaneous Commercial Services industry is in the same range as ENVA (84) in the Finance Or Rental Or Leasing industry. This means that LMFA’s stock grew similarly to ENVA’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 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 (45) 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 Price Growth Rating (46) in the Finance Or Rental Or Leasing industry is in the same range as LMFA (49) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew similarly to LMFA’s over the last 12 months.

ENVA's P/E Growth Rating (44) 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 (%)
N/A
Bearish Trend 4 days ago
82%
Stochastic
ODDS (%)
Bearish Trend 4 days ago
63%
Bearish Trend 4 days ago
90%
Momentum
ODDS (%)
Bullish Trend 4 days ago
70%
Bullish Trend 4 days ago
85%
MACD
ODDS (%)
Bullish Trend 4 days ago
83%
Bullish Trend 4 days ago
86%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
76%
Bullish Trend 4 days ago
87%
TrendMonth
ODDS (%)
Bullish Trend 4 days ago
73%
Bullish Trend 4 days ago
86%
Advances
ODDS (%)
Bullish Trend 4 days ago
75%
Bullish Trend 8 days ago
88%
Declines
ODDS (%)
Bearish Trend 11 days ago
68%
Bearish Trend 12 days ago
90%
BollingerBands
ODDS (%)
N/A
Bearish Trend 4 days ago
90%
Aroon
ODDS (%)
Bullish Trend 4 days ago
61%
Bullish Trend 4 days ago
89%
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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 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%
+2.71%
OMF - ENVA
83%
Closely correlated
+2.81%
SYF - ENVA
79%
Closely correlated
+3.08%
COF - ENVA
79%
Closely correlated
+3.20%
AXP - ENVA
79%
Closely correlated
+2.20%
BFH - ENVA
77%
Closely correlated
+4.33%
More

LMFA and

Correlation & Price change

A.I.dvisor indicates that over the last year, LMFA has been loosely correlated with SOFI. These tickers have moved in lockstep 39% of the time. This A.I.-generated data suggests there is some statistical probability that if LMFA jumps, then SOFI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To LMFA
1D Price
Change %
LMFA100%
+5.98%
SOFI - LMFA
39%
Loosely correlated
+4.17%
SYF - LMFA
38%
Loosely correlated
+3.08%
GATX - LMFA
37%
Loosely correlated
+1.06%
URI - LMFA
34%
Loosely correlated
+1.07%
ENVA - LMFA
34%
Loosely correlated
+2.71%
More