ENVA
Price
$92.16
Change
-$11.51 (-11.10%)
Updated
Apr 3 closing price
Capitalization
1.77B
25 days until earnings call
ONIT
Price
$29.82
Change
-$2.38 (-7.39%)
Updated
Apr 3, 04:59 PM (EDT)
Capitalization
207.4M
27 days until earnings call
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ENVA vs ONIT

Header iconENVA vs ONIT Comparison
Open Charts ENVA vs ONITBanner chart's image
Enova International
Price$92.16
Change-$11.51 (-11.10%)
Volume$336.02K
Capitalization1.77B
Onity Group
Price$29.82
Change-$2.38 (-7.39%)
Volume$500
Capitalization207.4M
ENVA vs ONIT Comparison Chart
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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ONIT
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. ONIT commentary
Apr 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 ONIT is a Hold.

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COMPARISON
Comparison
Apr 04, 2025
Stock price -- (ENVA: $92.16 vs. ONIT: $29.83)
Brand notoriety: ENVA and ONIT are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 133% vs. ONIT: 159%
Market capitalization -- ENVA: $1.77B vs. ONIT: $207.4M
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. ONIT’s [@Finance/Rental/Leasing] market capitalization is $207.4M. 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 $12.66B.

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 whileONIT’s FA Score has 0 green FA rating(s).

  • ENVA’s FA Score: 2 green, 3 red.
  • ONIT’s FA Score: 0 green, 5 red.
According to our system of comparison, ENVA is a better buy in the long-term than ONIT.

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

  • ENVA’s TA Score: 5 bullish, 5 bearish.
  • ONIT’s TA Score: 3 bullish, 7 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than ONIT.

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -7.17% price change this week, while ONIT (@Finance/Rental/Leasing) price change was -8.13% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -4.47%. For the same industry, the average monthly price growth was +0.12%, and the average quarterly price growth was +46.31%.

Reported Earning Dates

ENVA is expected to report earnings on Apr 29, 2025.

ONIT is expected to report earnings on May 01, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-4.47% 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 ONIT($207M). ENVA has higher P/E ratio than ONIT: ENVA (11.25) vs ONIT (10.13). ONIT YTD gains are higher at: -2.866 vs. ENVA (-3.880). ENVA has higher annual earnings (EBITDA): 266M vs. ONIT (239M). ONIT has more cash in the bank: 202M vs. ENVA (54.4M). ENVA has less debt than ONIT: ENVA (2.97B) vs ONIT (10.9B). ENVA has higher revenues than ONIT: ENVA (2.12B) vs ONIT (1.15B).
ENVAONITENVA / ONIT
Capitalization1.77B207M855%
EBITDA266M239M111%
Gain YTD-3.880-2.866135%
P/E Ratio11.2510.13111%
Revenue2.12B1.15B185%
Total Cash54.4M202M27%
Total Debt2.97B10.9B27%
FUNDAMENTALS RATINGS
ENVA vs ONIT: Fundamental Ratings
ENVA
ONIT
OUTLOOK RATING
1..100
1872
VALUATION
overvalued / fair valued / undervalued
1..100
77
Overvalued
95
Overvalued
PROFIT vs RISK RATING
1..100
946
SMR RATING
1..100
5176
PRICE GROWTH RATING
1..100
4047
P/E GROWTH RATING
1..100
2298
SEASONALITY SCORE
1..100
n/a75

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 ONIT (95). This means that ENVA’s stock grew similarly to ONIT’s over the last 12 months.

ENVA's Profit vs Risk Rating (9) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ONIT (46). This means that ENVA’s stock grew somewhat faster than ONIT’s over the last 12 months.

ENVA's SMR Rating (51) in the Finance Or Rental Or Leasing industry is in the same range as ONIT (76). This means that ENVA’s stock grew similarly to ONIT’s over the last 12 months.

ENVA's Price Growth Rating (40) in the Finance Or Rental Or Leasing industry is in the same range as ONIT (47). This means that ENVA’s stock grew similarly to ONIT’s over the last 12 months.

ENVA's P/E Growth Rating (22) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for ONIT (98). This means that ENVA’s stock grew significantly faster than ONIT’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAONIT
RSI
ODDS (%)
Bullish Trend 1 day ago
75%
Bearish Trend 2 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
75%
Bearish Trend 2 days ago
79%
Momentum
ODDS (%)
Bearish Trend 1 day ago
71%
Bullish Trend 2 days ago
77%
MACD
ODDS (%)
Bullish Trend 1 day ago
68%
Bullish Trend 2 days ago
77%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
69%
Bearish Trend 2 days ago
73%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
62%
Bullish Trend 2 days ago
78%
Advances
ODDS (%)
Bullish Trend 2 days ago
76%
Bullish Trend 15 days ago
75%
Declines
ODDS (%)
Bearish Trend 7 days ago
68%
Bearish Trend 2 days ago
74%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
73%
Bearish Trend 2 days ago
76%
Aroon
ODDS (%)
Bearish Trend 1 day ago
74%
Bearish Trend 2 days ago
74%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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ONIT
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 75% 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%
-11.10%
OMF - ENVA
75%
Closely correlated
-11.55%
COF - ENVA
72%
Closely correlated
-9.96%
SYF - ENVA
71%
Closely correlated
-15.42%
AXP - ENVA
70%
Closely correlated
-9.97%
SLM - ENVA
69%
Closely correlated
-9.19%
More

ONIT and

Correlation & Price change

A.I.dvisor indicates that over the last year, ONIT has been loosely correlated with WD. These tickers have moved in lockstep 49% of the time. This A.I.-generated data suggests there is some statistical probability that if ONIT jumps, then WD could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ONIT
1D Price
Change %
ONIT100%
-7.36%
WD - ONIT
49%
Loosely correlated
-5.81%
LC - ONIT
46%
Loosely correlated
-12.12%
ENVA - ONIT
45%
Loosely correlated
-11.10%
COOP - ONIT
44%
Loosely correlated
-0.34%
URI - ONIT
41%
Loosely correlated
-8.51%
More