ENVA
Price
$94.64
Change
-$0.34 (-0.36%)
Updated
May 9, 04:59 PM (EDT)
Capitalization
1.77B
76 days until earnings call
LPRO
Price
$1.72
Change
-$0.12 (-6.52%)
Updated
May 9, 04:59 PM (EDT)
Capitalization
744.17M
95 days until earnings call
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ENVA vs LPRO

Header iconENVA vs LPRO Comparison
Open Charts ENVA vs LPROBanner chart's image
Enova International
Price$94.64
Change-$0.34 (-0.36%)
Volume$385
Capitalization1.77B
Open Lending
Price$1.72
Change-$0.12 (-6.52%)
Volume$59.59K
Capitalization744.17M
ENVA vs LPRO Comparison Chart
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. LPRO commentary
May 10, 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 LPRO is a Buy.

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COMPARISON
Comparison
May 10, 2025
Stock price -- (ENVA: $94.98 vs. LPRO: $1.84)
Brand notoriety: ENVA and LPRO are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 99% vs. LPRO: 77%
Market capitalization -- ENVA: $1.77B vs. LPRO: $744.17M
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. LPRO’s [@Finance/Rental/Leasing] market capitalization is $744.17M. 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 $12.84B.

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

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

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 LPRO’s TA Score has 3 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 3 bearish.
  • LPRO’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than LPRO.

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а +3.69% price change this week, while LPRO (@Finance/Rental/Leasing) price change was +43.75% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.96%. For the same industry, the average monthly price growth was +13.13%, and the average quarterly price growth was +10.90%.

Reported Earning Dates

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

LPRO is expected to report earnings on Aug 12, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.96% 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 LPRO($744M). LPRO has higher P/E ratio than ENVA: LPRO (33.11) vs ENVA (11.25). ENVA YTD gains are higher at: -0.939 vs. LPRO (-69.179). ENVA has higher annual earnings (EBITDA): 266M vs. LPRO (40.7M). LPRO has more cash in the bank: 240M vs. ENVA (54.4M). LPRO has less debt than ENVA: LPRO (148M) vs ENVA (2.97B). ENVA has higher revenues than LPRO: ENVA (2.12B) vs LPRO (117M).
ENVALPROENVA / LPRO
Capitalization1.77B744M238%
EBITDA266M40.7M654%
Gain YTD-0.939-69.1791%
P/E Ratio11.2533.1134%
Revenue2.12B117M1,810%
Total Cash54.4M240M23%
Total Debt2.97B148M2,007%
FUNDAMENTALS RATINGS
ENVA vs LPRO: Fundamental Ratings
ENVA
LPRO
OUTLOOK RATING
1..100
665
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
91
Overvalued
PROFIT vs RISK RATING
1..100
9100
SMR RATING
1..100
5087
PRICE GROWTH RATING
1..100
5364
P/E GROWTH RATING
1..100
519
SEASONALITY SCORE
1..100
5095

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 LPRO (91) in the null industry. This means that ENVA’s stock grew similarly to LPRO’s over the last 12 months.

ENVA's Profit vs Risk Rating (9) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for LPRO (100) in the null industry. This means that ENVA’s stock grew significantly faster than LPRO’s over the last 12 months.

ENVA's SMR Rating (50) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for LPRO (87) in the null industry. This means that ENVA’s stock grew somewhat faster than LPRO’s over the last 12 months.

ENVA's Price Growth Rating (53) in the Finance Or Rental Or Leasing industry is in the same range as LPRO (64) in the null industry. This means that ENVA’s stock grew similarly to LPRO’s over the last 12 months.

LPRO's P/E Growth Rating (9) in the null industry is somewhat better than the same rating for ENVA (51) in the Finance Or Rental Or Leasing industry. This means that LPRO’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVALPRO
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
73%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
72%
Bearish Trend 2 days ago
79%
Momentum
ODDS (%)
Bearish Trend 2 days ago
74%
Bullish Trend 2 days ago
79%
MACD
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
82%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
77%
Bullish Trend 2 days ago
76%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 2 days ago
75%
Advances
ODDS (%)
Bullish Trend 11 days ago
76%
Bullish Trend 2 days ago
78%
Declines
ODDS (%)
Bearish Trend 3 days ago
67%
Bearish Trend 11 days ago
85%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 2 days ago
79%
Aroon
ODDS (%)
N/A
Bearish Trend 2 days ago
84%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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LPRO
Daily Signalchanged days ago
Gain/Loss if bought
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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 81% 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%
+3.42%
OMF - ENVA
81%
Closely correlated
+2.71%
SYF - ENVA
79%
Closely correlated
+3.14%
COF - ENVA
79%
Closely correlated
+1.58%
AXP - ENVA
78%
Closely correlated
+2.69%
BFH - ENVA
75%
Closely correlated
+3.74%
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