ENVA
Price
$223.48
Change
+$0.42 (+0.19%)
Updated
Sep 11 closing price
Capitalization
5.56B
40 days until earnings call
Intraday BUY SELL Signals
OPFI
Price
$7.98
Change
+$0.39 (+5.14%)
Updated
Sep 11 closing price
Capitalization
679.96M
54 days until earnings call
Intraday BUY SELL Signals
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ENVA vs OPFI

ENVA vs OPFI Comparison Chart in %
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VS
ENVA vs. OPFI commentary
Sep 12, 2026

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 Hold and OPFI is a StrongBuy.

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SUMMARIES
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FUNDAMENTALS
Fundamentals
ENVA($5.56B) has a higher market cap than OPFI($680M). ENVA has higher P/E ratio than OPFI: ENVA (16.60) vs OPFI (2.65). ENVA YTD gains are higher at: 42.163 vs. OPFI (-23.709). ENVA has higher annual earnings (EBITDA): 505M vs. OPFI (391M). ENVA has more cash in the bank: 122M vs. OPFI (64.3M). OPFI has less debt than ENVA: OPFI (287M) vs ENVA (5.05B). ENVA has higher revenues than OPFI: ENVA (3.45B) vs OPFI (611M).
ENVAOPFIENVA / OPFI
Capitalization5.56B680M818%
EBITDA505M391M129%
Gain YTD42.163-23.709-178%
P/E Ratio16.602.65626%
Revenue3.45B611M564%
Total Cash122M64.3M190%
Total Debt5.05B287M1,758%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
68
VALUATION
overvalued / fair valued / undervalued
1..100
86
Overvalued
PROFIT vs RISK RATING
1..100
3
SMR RATING
1..100
37
PRICE GROWTH RATING
1..100
38
P/E GROWTH RATING
1..100
18
SEASONALITY SCORE
1..100
50

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.

TECHNICAL ANALYSIS
Technical Analysis
ENVAOPFI
RSI
ODDS (%)
Bullish Trend 2 days ago
86%
Bullish Trend 2 days ago
85%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
83%
Bearish Trend 2 days ago
79%
Momentum
ODDS (%)
Bearish Trend 2 days ago
56%
Bullish Trend 2 days ago
78%
MACD
ODDS (%)
Bearish Trend 3 days ago
65%
Bullish Trend 2 days ago
90%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
64%
Bullish Trend 2 days ago
85%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
57%
Bullish Trend 2 days ago
82%
Advances
ODDS (%)
Bullish Trend 10 days ago
75%
Bullish Trend 2 days ago
85%
Declines
ODDS (%)
Bearish Trend 3 days ago
63%
Bearish Trend 12 days ago
81%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
78%
Bearish Trend 2 days ago
85%
Aroon
ODDS (%)
Bullish Trend 2 days ago
66%
N/A
COMPARISON
Comparison
Sep 12, 2026
Stock price -- (ENVA: $223.48 vs. OPFI: $7.98)
Brand notoriety: ENVA and OPFI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 67% vs. OPFI: 98%
Market capitalization -- ENVA: $5.56B vs. OPFI: $679.96M
ENVA [@Savings Banks] is valued at $5.56B. OPFI’s [@Savings Banks] market capitalization is $679.96M. The market cap for tickers in the [@Savings Banks] industry ranges from $1.46M to $696.98B. The average market capitalization across the [@Savings Banks] industry is $34.3B.

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 overvalued. 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 while OPFI’s FA Score has 1 green FA rating(s).

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

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 OPFI’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

ENVA (@Savings Banks) experienced а -3.08% price change this week, while OPFI (@Savings Banks) price change was +7.55% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -2.79%. For the same industry, the average monthly price growth was -5.80%, and the average quarterly price growth was +9.53%.

Reported Earning Dates

ENVA is expected to report earnings on Oct 22, 2026.

OPFI is expected to report earnings on Nov 05, 2026.

Industries' Descriptions

@Savings Banks (-2.79% 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.

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ENVA
Daily Signal:
Gain/Loss:
OPFI
Daily Signal:
Gain/Loss:
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OPFI and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OPFI
1D Price
Change %
OPFI100%
+5.14%
ATLC - OPFI
39%
Loosely correlated
+1.18%
COIN - OPFI
38%
Loosely correlated
+1.73%
URI - OPFI
38%
Loosely correlated
+0.00%
ENVA - OPFI
38%
Loosely correlated
+0.19%
OPRT - OPFI
37%
Loosely correlated
+2.74%
More