ENVA
Price
$103.88
Change
-$0.74 (-0.71%)
Updated
Jul 29, 04:59 PM (EDT)
Capitalization
1.77B
85 days until earnings call
RM
Price
$31.19
Change
-$0.55 (-1.73%)
Updated
Jul 29 closing price
Capitalization
236.25M
Earnings call today
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ENVA vs RM

Header iconENVA vs RM Comparison
Open Charts ENVA vs RMBanner chart's image
Enova International
Price$103.88
Change-$0.74 (-0.71%)
Volume$19.03K
Capitalization1.77B
REGIONAL MANAGEMENT
Price$31.19
Change-$0.55 (-1.73%)
Volume$22.52K
Capitalization236.25M
ENVA vs RM Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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RM
Daily Signalchanged days ago
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ENVA vs. RM commentary
Jul 30, 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 RM is a Buy.

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COMPARISON
Comparison
Jul 30, 2025
Stock price -- (ENVA: $103.88 vs. RM: $31.19)
Brand notoriety: ENVA and RM are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 149% vs. RM: 51%
Market capitalization -- ENVA: $1.77B vs. RM: $236.25M
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. RM’s [@Finance/Rental/Leasing] market capitalization is $236.25M. 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 $13.06B.

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 whileRM’s FA Score has 2 green FA rating(s).

  • ENVA’s FA Score: 1 green, 4 red.
  • RM’s FA Score: 2 green, 3 red.
According to our system of comparison, RM 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 RM’s TA Score has 6 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 4 bearish.
  • RM’s TA Score: 6 bullish, 4 bearish.
According to our system of comparison, RM is a better buy in the short-term than ENVA.

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -9.00% price change this week, while RM (@Finance/Rental/Leasing) price change was -4.71% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.21%. For the same industry, the average monthly price growth was +2.83%, and the average quarterly price growth was +16.47%.

Reported Earning Dates

ENVA is expected to report earnings on Oct 23, 2025.

RM is expected to report earnings on Nov 04, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.21% 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 RM($236M). RM has higher P/E ratio than ENVA: RM (14.49) vs ENVA (11.25). ENVA YTD gains are higher at: 8.344 vs. RM (-6.449). ENVA has more cash in the bank: 54.4M vs. RM (7.41M). RM has less debt than ENVA: RM (1.43B) vs ENVA (2.97B). ENVA has higher revenues than RM: ENVA (2.12B) vs RM (484M).
ENVARMENVA / RM
Capitalization1.77B236M750%
EBITDA266MN/A-
Gain YTD8.344-6.449-129%
P/E Ratio11.2514.4978%
Revenue2.12B484M438%
Total Cash54.4M7.41M734%
Total Debt2.97B1.43B207%
FUNDAMENTALS RATINGS
ENVA vs RM: Fundamental Ratings
ENVA
RM
OUTLOOK RATING
1..100
7875
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
23
Undervalued
PROFIT vs RISK RATING
1..100
966
SMR RATING
1..100
4513
PRICE GROWTH RATING
1..100
5257
P/E GROWTH RATING
1..100
7685
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.

RM's Valuation (23) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (84). This means that RM’s stock grew somewhat faster than ENVA’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 RM (66). This means that ENVA’s stock grew somewhat faster than RM’s over the last 12 months.

RM's SMR Rating (13) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (45). This means that RM’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (52) in the Finance Or Rental Or Leasing industry is in the same range as RM (57). This means that ENVA’s stock grew similarly to RM’s over the last 12 months.

ENVA's P/E Growth Rating (76) in the Finance Or Rental Or Leasing industry is in the same range as RM (85). This means that ENVA’s stock grew similarly to RM’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVARM
RSI
ODDS (%)
Bearish Trend 2 days ago
74%
Bearish Trend 1 day ago
84%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 1 day ago
76%
Momentum
ODDS (%)
Bearish Trend 2 days ago
71%
Bearish Trend 1 day ago
68%
MACD
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 1 day ago
70%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 1 day ago
68%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
72%
Bullish Trend 1 day ago
76%
Advances
ODDS (%)
Bullish Trend 7 days ago
75%
Bullish Trend 7 days ago
76%
Declines
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 1 day ago
68%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
83%
Bullish Trend 1 day ago
70%
Aroon
ODDS (%)
Bullish Trend 2 days ago
63%
Bullish Trend 1 day ago
74%
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ENVA
Daily Signalchanged days ago
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RM
Daily Signalchanged days ago
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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 82% 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%
-0.71%
OMF - ENVA
82%
Closely correlated
-1.52%
COF - ENVA
79%
Closely correlated
-0.17%
SYF - ENVA
78%
Closely correlated
-2.15%
AXP - ENVA
77%
Closely correlated
-0.71%
BFH - ENVA
75%
Closely correlated
-1.94%
More