ENVA
Price
$121.50
Change
+$2.01 (+1.68%)
Updated
Nov 19, 04:59 PM (EDT)
Capitalization
3.02B
77 days until earnings call
Intraday BUY SELL Signals
RM
Price
$36.01
Change
-$0.19 (-0.52%)
Updated
Nov 19, 04:33 PM (EDT)
Capitalization
351.12M
84 days until earnings call
Intraday BUY SELL Signals
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ENVA vs RM

Header iconENVA vs RM Comparison
Open Charts ENVA vs RMBanner chart's image
Enova International
Price$121.50
Change+$2.01 (+1.68%)
Volume$1.9K
Capitalization3.02B
REGIONAL MANAGEMENT
Price$36.01
Change-$0.19 (-0.52%)
Volume$575
Capitalization351.12M
ENVA vs RM Comparison Chart in %
ENVA
Daily Signal:
Gain/Loss:
RM
Daily Signal:
Gain/Loss:
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VS
ENVA vs. RM commentary
Nov 20, 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 Hold and RM is a Hold.

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COMPARISON
Comparison
Nov 20, 2025
Stock price -- (ENVA: $119.49 vs. RM: $36.20)
Brand notoriety: ENVA and RM are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 49% vs. RM: 77%
Market capitalization -- ENVA: $3.02B vs. RM: $351.12M
ENVA [@Savings Banks] is valued at $3.02B. RM’s [@Savings Banks] market capitalization is $351.12M. The market cap for tickers in the [@Savings Banks] industry ranges from $625.52B to $0. The average market capitalization across the [@Savings Banks] industry is $20.25B.

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 3 bullish TA indicator(s).

  • ENVA’s TA Score: 5 bullish, 5 bearish.
  • RM’s TA Score: 3 bullish, 4 bearish.
According to our system of comparison, ENVA is a better buy in the short-term than RM.

Price Growth

ENVA (@Savings Banks) experienced а -6.11% price change this week, while RM (@Savings Banks) price change was -4.36% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was -3.30%. For the same industry, the average monthly price growth was -5.49%, and the average quarterly price growth was +10.99%.

Reported Earning Dates

ENVA is expected to report earnings on Feb 04, 2026.

RM is expected to report earnings on Feb 11, 2026.

Industries' Descriptions

@Savings Banks (-3.30% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
ENVA($3.02B) has a higher market cap than RM($351M). ENVA has higher P/E ratio than RM: ENVA (11.24) vs RM (8.75). ENVA YTD gains are higher at: 24.625 vs. RM (9.440). ENVA has more cash in the bank: 53.6M vs. RM (4.16M). RM has less debt than ENVA: RM (1.55B) vs ENVA (4.14B). ENVA has higher revenues than RM: ENVA (3.04B) vs RM (532M).
ENVARMENVA / RM
Capitalization3.02B351M859%
EBITDA424MN/A-
Gain YTD24.6259.440261%
P/E Ratio11.248.75128%
Revenue3.04B532M572%
Total Cash53.6M4.16M1,289%
Total Debt4.14B1.55B268%
FUNDAMENTALS RATINGS
ENVA vs RM: Fundamental Ratings
ENVA
RM
OUTLOOK RATING
1..100
1673
VALUATION
overvalued / fair valued / undervalued
1..100
69
Overvalued
20
Undervalued
PROFIT vs RISK RATING
1..100
865
SMR RATING
1..100
3917
PRICE GROWTH RATING
1..100
4350
P/E GROWTH RATING
1..100
8080
SEASONALITY SCORE
1..100
n/an/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 (20) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (69). This means that RM’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (8) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for RM (65). This means that ENVA’s stock grew somewhat faster than RM’s over the last 12 months.

RM's SMR Rating (17) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (39). This means that RM’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Price Growth Rating (43) in the Finance Or Rental Or Leasing industry is in the same range as RM (50). This means that ENVA’s stock grew similarly to RM’s over the last 12 months.

ENVA's P/E Growth Rating (80) in the Finance Or Rental Or Leasing industry is in the same range as RM (80). 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%
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
69%
Bullish Trend 2 days ago
74%
Momentum
ODDS (%)
Bearish Trend 2 days ago
72%
Bearish Trend 2 days ago
67%
MACD
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
70%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
69%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
70%
Bearish Trend 2 days ago
70%
Advances
ODDS (%)
Bullish Trend 8 days ago
74%
Bullish Trend 10 days ago
77%
Declines
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 3 days ago
68%
BollingerBands
ODDS (%)
Bearish Trend 2 days ago
67%
Bullish Trend 2 days ago
81%
Aroon
ODDS (%)
Bullish Trend 2 days ago
68%
Bearish Trend 2 days ago
71%
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ENVA
Daily Signal:
Gain/Loss:
RM
Daily Signal:
Gain/Loss:
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