ENVA
Price
$96.35
Change
-$0.12 (-0.12%)
Updated
Dec 23, 04:59 PM (EDT)
38 days until earnings call
PRAA
Price
$20.38
Change
-$0.46 (-2.21%)
Updated
Dec 23, 04:59 PM (EDT)
70 days until earnings call
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ENVA vs PRAA

Header iconENVA vs PRAA Comparison
Open Charts ENVA vs PRAABanner chart's image
Enova International
Price$96.35
Change-$0.12 (-0.12%)
Volume$1.16K
CapitalizationN/A
PRA Group
Price$20.38
Change-$0.46 (-2.21%)
Volume$4.96K
CapitalizationN/A
ENVA vs PRAA Comparison Chart
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
PRAA
Daily Signalchanged days ago
Gain/Loss if bought
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VS
ENVA vs. PRAA commentary
Dec 24, 2024

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 PRAA is a Hold.

COMPARISON
Comparison
Dec 24, 2024
Stock price -- (ENVA: $96.47 vs. PRAA: $20.84)
Brand notoriety: ENVA and PRAA are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 457% vs. PRAA: 463%
Market capitalization -- ENVA: $1.77B vs. PRAA: $1.02B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. PRAA’s [@Finance/Rental/Leasing] market capitalization is $1.02B. 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 $12.41B.

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

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

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

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

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -4.43% price change this week, while PRAA (@Finance/Rental/Leasing) price change was -1.28% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -1.99%. For the same industry, the average monthly price growth was -2.08%, and the average quarterly price growth was +20.19%.

Reported Earning Dates

ENVA is expected to report earnings on Jan 30, 2025.

PRAA is expected to report earnings on Mar 03, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-1.99% 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 PRAA($1.02B). PRAA has higher P/E ratio than ENVA: PRAA (46.73) vs ENVA (11.25). ENVA YTD gains are higher at: 74.259 vs. PRAA (-20.458). ENVA has higher annual earnings (EBITDA): 266M vs. PRAA (10.5M). PRAA has more cash in the bank: 113M vs. ENVA (54.4M). PRAA (2.97B) and ENVA (2.97B) have identical debt. ENVA has higher revenues than PRAA: ENVA (2.12B) vs PRAA (815M).
ENVAPRAAENVA / PRAA
Capitalization1.77B1.02B173%
EBITDA266M10.5M2,533%
Gain YTD74.259-20.458-363%
P/E Ratio11.2546.7324%
Revenue2.12B815M260%
Total Cash54.4M113M48%
Total Debt2.97B2.97B100%
FUNDAMENTALS RATINGS
ENVA vs PRAA: Fundamental Ratings
ENVA
PRAA
OUTLOOK RATING
1..100
5050
VALUATION
overvalued / fair valued / undervalued
1..100
76
Overvalued
74
Overvalued
PROFIT vs RISK RATING
1..100
4100
SMR RATING
1..100
5685
PRICE GROWTH RATING
1..100
3958
P/E GROWTH RATING
1..100
17100
SEASONALITY SCORE
1..100
4531

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.

PRAA's Valuation (74) in the Miscellaneous Commercial Services industry is in the same range as ENVA (76) in the Finance Or Rental Or Leasing industry. This means that PRAA’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (4) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew significantly faster than PRAA’s over the last 12 months.

ENVA's SMR Rating (56) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (85) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew similarly to PRAA’s over the last 12 months.

ENVA's Price Growth Rating (39) in the Finance Or Rental Or Leasing industry is in the same range as PRAA (58) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew similarly to PRAA’s over the last 12 months.

ENVA's P/E Growth Rating (17) in the Finance Or Rental Or Leasing industry is significantly better than the same rating for PRAA (100) in the Miscellaneous Commercial Services industry. This means that ENVA’s stock grew significantly faster than PRAA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVAPRAA
RSI
ODDS (%)
Bullish Trend 4 days ago
84%
N/A
Stochastic
ODDS (%)
Bullish Trend 4 days ago
77%
Bullish Trend 4 days ago
73%
Momentum
ODDS (%)
Bearish Trend 4 days ago
62%
Bullish Trend 4 days ago
60%
MACD
ODDS (%)
Bearish Trend 4 days ago
77%
Bullish Trend 4 days ago
66%
TrendWeek
ODDS (%)
Bearish Trend 4 days ago
71%
Bearish Trend 4 days ago
70%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
66%
Bearish Trend 4 days ago
71%
Advances
ODDS (%)
Bullish Trend 4 days ago
77%
Bullish Trend 12 days ago
64%
Declines
ODDS (%)
Bearish Trend 6 days ago
69%
Bearish Trend 4 days ago
70%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
89%
Bearish Trend 4 days ago
60%
Aroon
ODDS (%)
Bullish Trend 4 days ago
66%
Bearish Trend 4 days ago
67%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
Show more...
PRAA
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 NAVI. These tickers have moved in lockstep 69% of the time. This A.I.-generated data suggests there is a high statistical probability that if ENVA jumps, then NAVI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To ENVA
1D Price
Change %
ENVA100%
+1.56%
NAVI - ENVA
69%
Closely correlated
+0.35%
SLM - ENVA
69%
Closely correlated
+1.16%
COF - ENVA
67%
Closely correlated
+1.70%
OMF - ENVA
67%
Closely correlated
+1.43%
SYF - ENVA
65%
Loosely correlated
+1.84%
More

PRAA and

Correlation & Price change

A.I.dvisor indicates that over the last year, PRAA has been closely correlated with ECPG. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if PRAA jumps, then ECPG could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PRAA
1D Price
Change %
PRAA100%
-1.61%
ECPG - PRAA
66%
Closely correlated
-1.22%
ENVA - PRAA
51%
Loosely correlated
+1.56%
LC - PRAA
47%
Loosely correlated
+0.98%
WD - PRAA
47%
Loosely correlated
+1.48%
CACC - PRAA
45%
Loosely correlated
+0.04%
More