ENVA
Price
$110.52
Change
-$2.74 (-2.42%)
Updated
Oct 6 closing price
Capitalization
2.76B
16 days until earnings call
SOFI
Price
$26.36
Change
+$1.12 (+4.44%)
Updated
Oct 6 closing price
Capitalization
31.56B
21 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$110.52
Change-$2.74 (-2.42%)
Volume$227.92K
Capitalization2.76B
SoFi Technologies
Price$26.36
Change+$1.12 (+4.44%)
Volume$97.33M
Capitalization31.56B
ENVA vs SOFI Comparison Chart in %
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
Oct 07, 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 Buy and SOFI is a Hold.

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COMPARISON
Comparison
Oct 07, 2025
Stock price -- (ENVA: $110.52 vs. SOFI: $26.36)
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: 80% vs. SOFI: 140%
Market capitalization -- ENVA: $2.76B vs. SOFI: $31.56B
ENVA [@Savings Banks] is valued at $2.76B. SOFI’s [@Savings Banks] market capitalization is $31.56B. The market cap for tickers in the [@Savings Banks] industry ranges from $677.93B to $0. The average market capitalization across the [@Savings Banks] industry is $22.16B.

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 3 TA indicator(s) are bullish while SOFI’s TA Score has 3 bullish TA indicator(s).

  • ENVA’s TA Score: 3 bullish, 6 bearish.
  • SOFI’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, SOFI is a better buy in the short-term than ENVA.

Price Growth

ENVA (@Savings Banks) experienced а -9.38% price change this week, while SOFI (@Savings Banks) price change was -4.32% for the same time period.

The average weekly price growth across all stocks in the @Savings Banks industry was +0.23%. For the same industry, the average monthly price growth was +1.32%, and the average quarterly price growth was +47.60%.

Reported Earning Dates

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

SOFI is expected to report earnings on Oct 28, 2025.

Industries' Descriptions

@Savings Banks (+0.23% 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($31.6B) has a higher market cap than ENVA($2.76B). SOFI has higher P/E ratio than ENVA: SOFI (52.72) vs ENVA (11.78). SOFI YTD gains are higher at: 71.169 vs. ENVA (15.269). ENVA (4B) and SOFI (4.04B) have identical debt. SOFI (3.06B) and ENVA (2.93B) have equivalent revenues.
ENVASOFIENVA / SOFI
Capitalization2.76B31.6B9%
EBITDA388MN/A-
Gain YTD15.26971.16921%
P/E Ratio11.7852.7222%
Revenue2.93B3.06B96%
Total Cash55.6MN/A-
Total Debt4B4.04B99%
FUNDAMENTALS RATINGS
ENVA: Fundamental Ratings
ENVA
OUTLOOK RATING
1..100
67
VALUATION
overvalued / fair valued / undervalued
1..100
70
Overvalued
PROFIT vs RISK RATING
1..100
10
SMR RATING
1..100
43
PRICE GROWTH RATING
1..100
51
P/E GROWTH RATING
1..100
70
SEASONALITY SCORE
1..100
85

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
73%
Bearish Trend 1 day ago
79%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
90%
Momentum
ODDS (%)
Bearish Trend 1 day ago
64%
Bearish Trend 1 day ago
81%
MACD
ODDS (%)
Bearish Trend 1 day ago
56%
Bearish Trend 1 day ago
83%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 1 day ago
82%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
60%
Bullish Trend 1 day ago
83%
Advances
ODDS (%)
Bullish Trend 19 days ago
75%
Bullish Trend 15 days ago
85%
Declines
ODDS (%)
Bearish Trend 1 day ago
66%
Bearish Trend 6 days ago
81%
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
76%
Bearish Trend 1 day ago
77%
Aroon
ODDS (%)
Bullish Trend 1 day ago
64%
Bullish Trend 1 day ago
82%
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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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