ENVA
Price
$96.54
Change
+$2.55 (+2.71%)
Updated
Jun 6 closing price
Capitalization
1.77B
47 days until earnings call
NAVI
Price
$13.45
Change
-$0.11 (-0.81%)
Updated
Jun 6 closing price
Capitalization
1.92B
52 days until earnings call
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ENVA vs NAVI

Header iconENVA vs NAVI Comparison
Open Charts ENVA vs NAVIBanner chart's image
Enova International
Price$96.54
Change+$2.55 (+2.71%)
Volume$177.53K
Capitalization1.77B
Navient
Price$13.45
Change-$0.11 (-0.81%)
Volume$382.2K
Capitalization1.92B
ENVA vs NAVI Comparison Chart
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
NAVI
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. NAVI commentary
Jun 07, 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 NAVI is a Buy.

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COMPARISON
Comparison
Jun 07, 2025
Stock price -- (ENVA: $96.54 vs. NAVI: $13.45)
Brand notoriety: ENVA and NAVI are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 66% vs. NAVI: 55%
Market capitalization -- ENVA: $1.77B vs. NAVI: $1.92B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. NAVI’s [@Finance/Rental/Leasing] market capitalization is $1.92B. 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 whileNAVI’s FA Score has 3 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • NAVI’s FA Score: 3 green, 2 red.
According to our system of comparison, NAVI is a better buy in the long-term than ENVA.

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 NAVI’s TA Score has 5 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 4 bearish.
  • NAVI’s TA Score: 5 bullish, 5 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than NAVI.

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а +4.18% price change this week, while NAVI (@Finance/Rental/Leasing) price change was +1.27% 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.

NAVI is expected to report earnings on Jul 29, 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
NAVI($1.92B) has a higher market cap than ENVA($1.77B). ENVA has higher P/E ratio than NAVI: ENVA (11.25) vs NAVI (9.21). NAVI YTD gains are higher at: 3.611 vs. ENVA (0.688). ENVA has less debt than NAVI: ENVA (2.97B) vs NAVI (57.3B). ENVA has higher revenues than NAVI: ENVA (2.12B) vs NAVI (1.28B).
ENVANAVIENVA / NAVI
Capitalization1.77B1.92B92%
EBITDA266MN/A-
Gain YTD0.6883.61119%
P/E Ratio11.259.21122%
Revenue2.12B1.28B166%
Total Cash54.4MN/A-
Total Debt2.97B57.3B5%
FUNDAMENTALS RATINGS
ENVA vs NAVI: Fundamental Ratings
ENVA
NAVI
OUTLOOK RATING
1..100
6918
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
20
Undervalued
PROFIT vs RISK RATING
1..100
1048
SMR RATING
1..100
459
PRICE GROWTH RATING
1..100
4856
P/E GROWTH RATING
1..100
444
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.

NAVI's Valuation (20) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (84). This means that NAVI’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (10) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for NAVI (48). This means that ENVA’s stock grew somewhat faster than NAVI’s over the last 12 months.

NAVI's SMR Rating (9) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (45). This means that NAVI’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Price Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as NAVI (56). This means that ENVA’s stock grew similarly to NAVI’s over the last 12 months.

NAVI's P/E Growth Rating (4) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (44). This means that NAVI’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVANAVI
RSI
ODDS (%)
N/A
Bearish Trend 1 day ago
62%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
63%
Bearish Trend 1 day ago
55%
Momentum
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
67%
MACD
ODDS (%)
Bullish Trend 1 day ago
83%
Bearish Trend 1 day ago
62%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
76%
Bullish Trend 1 day ago
71%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
73%
Bullish Trend 1 day ago
72%
Advances
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 3 days ago
66%
Declines
ODDS (%)
Bearish Trend 9 days ago
68%
Bearish Trend 6 days ago
61%
BollingerBands
ODDS (%)
N/A
Bearish Trend 1 day ago
53%
Aroon
ODDS (%)
Bullish Trend 1 day ago
61%
Bullish Trend 1 day ago
70%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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NAVI
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 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

NAVI and

Correlation & Price change

A.I.dvisor indicates that over the last year, NAVI has been closely correlated with SLM. These tickers have moved in lockstep 74% of the time. This A.I.-generated data suggests there is a high statistical probability that if NAVI jumps, then SLM could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NAVI
1D Price
Change %
NAVI100%
+0.37%
SLM - NAVI
74%
Closely correlated
+1.10%
ENVA - NAVI
71%
Closely correlated
+2.71%
OMF - NAVI
71%
Closely correlated
+2.81%
SYF - NAVI
70%
Closely correlated
+3.08%
COF - NAVI
67%
Closely correlated
+3.20%
More