ENVA
Price
$118.57
Change
+$3.96 (+3.46%)
Updated
Aug 26 closing price
Capitalization
2.97B
57 days until earnings call
SOFI
Price
$25.48
Change
-$0.14 (-0.55%)
Updated
Aug 27, 10:57 AM (EDT)
Capitalization
30.68B
69 days until earnings call
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ENVA vs SOFI

Header iconENVA vs SOFI Comparison
Open Charts ENVA vs SOFIBanner chart's image
Enova International
Price$118.57
Change+$3.96 (+3.46%)
Volume$222.97K
Capitalization2.97B
SoFi Technologies
Price$25.48
Change-$0.14 (-0.55%)
Volume$90.7K
Capitalization30.68B
ENVA vs SOFI Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SOFI
Daily Signalchanged days ago
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ENVA vs. SOFI commentary
Aug 27, 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 SOFI is a Buy.

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COMPARISON
Comparison
Aug 27, 2025
Stock price -- (ENVA: $118.57 vs. SOFI: $25.62)
Brand notoriety: ENVA and SOFI are both not notable
Both companies represent the Savings Banks industry
Current volume relative to the 65-day Moving Average: ENVA: 67% vs. SOFI: 172%
Market capitalization -- ENVA: $2.97B vs. SOFI: $30.68B
ENVA [@Savings Banks] is valued at $2.97B. SOFI’s [@Savings Banks] market capitalization is $30.68B. The market cap for tickers in the [@Savings Banks] industry ranges from $681.62B to $0. The average market capitalization across the [@Savings Banks] industry is $22.44B.

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 whileSOFI’s FA Score has 1 green FA rating(s).

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

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

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

Price Growth

ENVA (@Savings Banks) experienced а +10.15% price change this week, while SOFI (@Savings Banks) price change was +12.62% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +3.73%. For the same industry, the average monthly price growth was +2.51%, and the average quarterly price growth was +16.81%.

Reported Earning Dates

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

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

Industries' Descriptions

@Savings Banks (+3.73% 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
SOFI($30.7B) has a higher market cap than ENVA($2.97B). SOFI has higher P/E ratio than ENVA: SOFI (51.24) vs ENVA (12.64). SOFI YTD gains are higher at: 66.364 vs. ENVA (23.665). ENVA (4B) and SOFI (4.04B) have identical debt. SOFI (3.06B) and ENVA (2.93B) have equivalent revenues.
ENVASOFIENVA / SOFI
Capitalization2.97B30.7B10%
EBITDA388MN/A-
Gain YTD23.66566.36436%
P/E Ratio12.6451.2425%
Revenue2.93B3.06B96%
Total Cash55.6MN/A-
Total Debt4B4.04B99%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
16
VALUATION
overvalued / fair valued / undervalued
1..100
71
Overvalued
PROFIT vs RISK RATING
1..100
7
SMR RATING
1..100
42
PRICE GROWTH RATING
1..100
44
P/E GROWTH RATING
1..100
63
SEASONALITY SCORE
1..100
90

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
ENVASOFI
RSI
ODDS (%)
Bearish Trend 1 day ago
64%
Bearish Trend 1 day ago
80%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
78%
Momentum
ODDS (%)
Bullish Trend 1 day ago
79%
Bullish Trend 1 day ago
89%
MACD
ODDS (%)
Bullish Trend 1 day ago
81%
Bullish Trend 1 day ago
82%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 1 day ago
83%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
71%
Bullish Trend 1 day ago
82%
Advances
ODDS (%)
Bullish Trend 1 day ago
74%
Bullish Trend 3 days ago
85%
Declines
ODDS (%)
Bearish Trend 13 days ago
66%
Bearish Trend 8 days ago
83%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
62%
Bearish Trend 1 day ago
75%
Aroon
ODDS (%)
Bearish Trend 1 day ago
75%
Bullish Trend 1 day ago
86%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SOFI
Daily Signalchanged days ago
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