ENVA
Price
$105.52
Change
+$1.20 (+1.15%)
Updated
Aug 7, 10:38 AM (EDT)
Capitalization
1.77B
77 days until earnings call
SYF
Price
$69.31
Change
-$0.14 (-0.20%)
Updated
Aug 7, 10:56 AM (EDT)
Capitalization
17.54B
82 days until earnings call
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ENVA vs SYF

Header iconENVA vs SYF Comparison
Open Charts ENVA vs SYFBanner chart's image
Enova International
Price$105.52
Change+$1.20 (+1.15%)
Volume$100
Capitalization1.77B
Synchrony Financial
Price$69.31
Change-$0.14 (-0.20%)
Volume$1.76K
Capitalization17.54B
ENVA vs SYF Comparison Chart in %
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SYF
Daily Signalchanged days ago
Gain/Loss if bought
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ENVA vs. SYF commentary
Aug 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 StrongBuy and SYF is a Buy.

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COMPARISON
Comparison
Aug 07, 2025
Stock price -- (ENVA: $104.31 vs. SYF: $69.45)
Brand notoriety: ENVA: Not notable vs. SYF: Notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: ENVA: 98% vs. SYF: 104%
Market capitalization -- ENVA: $1.77B vs. SYF: $17.54B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. SYF’s [@Finance/Rental/Leasing] market capitalization is $17.54B. 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 whileSYF’s FA Score has 4 green FA rating(s).

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

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

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -0.27% price change this week, while SYF (@Finance/Rental/Leasing) price change was -0.72% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +1.81%. For the same industry, the average monthly price growth was +1.31%, and the average quarterly price growth was +14.20%.

Reported Earning Dates

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

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

Industries' Descriptions

@Finance/Rental/Leasing (+1.81% 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
SYF($17.5B) has a higher market cap than ENVA($1.77B). ENVA has higher P/E ratio than SYF: ENVA (11.25) vs SYF (8.04). ENVA YTD gains are higher at: 8.792 vs. SYF (8.301). ENVA has less debt than SYF: ENVA (2.97B) vs SYF (16B). SYF has higher revenues than ENVA: SYF (13.6B) vs ENVA (2.12B).
ENVASYFENVA / SYF
Capitalization1.77B17.5B10%
EBITDA266MN/A-
Gain YTD8.7928.301106%
P/E Ratio11.258.04140%
Revenue2.12B13.6B16%
Total Cash54.4MN/A-
Total Debt2.97B16B19%
FUNDAMENTALS RATINGS
ENVA vs SYF: Fundamental Ratings
ENVA
SYF
OUTLOOK RATING
1..100
6261
VALUATION
overvalued / fair valued / undervalued
1..100
83
Overvalued
74
Overvalued
PROFIT vs RISK RATING
1..100
922
SMR RATING
1..100
423
PRICE GROWTH RATING
1..100
5415
P/E GROWTH RATING
1..100
7022
SEASONALITY SCORE
1..100
7550

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.

SYF's Valuation (74) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (83). This means that SYF’s stock grew similarly to ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (9) in the Finance Or Rental Or Leasing industry is in the same range as SYF (22). This means that ENVA’s stock grew similarly to SYF’s over the last 12 months.

SYF's SMR Rating (3) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (42). This means that SYF’s stock grew somewhat faster than ENVA’s over the last 12 months.

SYF's Price Growth Rating (15) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (54). This means that SYF’s stock grew somewhat faster than ENVA’s over the last 12 months.

SYF's P/E Growth Rating (22) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for ENVA (70). This means that SYF’s stock grew somewhat faster than ENVA’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVASYF
RSI
ODDS (%)
Bullish Trend 1 day ago
90%
Bearish Trend 1 day ago
55%
Stochastic
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 1 day ago
63%
Momentum
ODDS (%)
Bearish Trend 1 day ago
60%
Bearish Trend 1 day ago
66%
MACD
ODDS (%)
Bearish Trend 1 day ago
78%
Bearish Trend 1 day ago
63%
TrendWeek
ODDS (%)
Bearish Trend 1 day ago
67%
Bearish Trend 1 day ago
64%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
62%
Bullish Trend 1 day ago
72%
Advances
ODDS (%)
Bullish Trend 1 day ago
75%
Bullish Trend 3 days ago
67%
Declines
ODDS (%)
Bearish Trend 7 days ago
66%
Bearish Trend 7 days ago
61%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
78%
Bearish Trend 1 day ago
56%
Aroon
ODDS (%)
Bearish Trend 1 day ago
68%
Bullish Trend 1 day ago
75%
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ENVA
Daily Signalchanged days ago
Gain/Loss if bought
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SYF
Daily Signalchanged days ago
Gain/Loss if bought
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SYF and

Correlation & Price change

A.I.dvisor indicates that over the last year, SYF has been closely correlated with COF. These tickers have moved in lockstep 89% of the time. This A.I.-generated data suggests there is a high statistical probability that if SYF jumps, then COF could also see price increases.

1D
1W
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5Y
Ticker /
NAME
Correlation
To SYF
1D Price
Change %
SYF100%
-0.77%
COF - SYF
89%
Closely correlated
+0.42%
BFH - SYF
87%
Closely correlated
-0.46%
AXP - SYF
85%
Closely correlated
-0.37%
OMF - SYF
82%
Closely correlated
+0.37%
ENVA - SYF
80%
Closely correlated
+0.38%
More