ENVA
Price
$93.32
Change
-$1.57 (-1.65%)
Updated
Jun 13 closing price
Capitalization
1.77B
39 days until earnings call
TRN
Price
$26.04
Change
-$0.35 (-1.33%)
Updated
Jun 13 closing price
Capitalization
2.13B
45 days until earnings call
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ENVA vs TRN

Header iconENVA vs TRN Comparison
Open Charts ENVA vs TRNBanner chart's image
Enova International
Price$93.32
Change-$1.57 (-1.65%)
Volume$401.2K
Capitalization1.77B
Trinity Industries
Price$26.04
Change-$0.35 (-1.33%)
Volume$567.1K
Capitalization2.13B
ENVA vs TRN Comparison Chart
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ENVA
Daily Signalchanged days ago
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TRN
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ENVA vs. TRN commentary
Jun 15, 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 TRN is a Buy.

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COMPARISON
Comparison
Jun 15, 2025
Stock price -- (ENVA: $93.32 vs. TRN: $26.04)
Brand notoriety: ENVA and TRN are both not notable
ENVA represents the Finance/Rental/Leasing, while TRN is part of the Railroads industry
Current volume relative to the 65-day Moving Average: ENVA: 158% vs. TRN: 119%
Market capitalization -- ENVA: $1.77B vs. TRN: $2.13B
ENVA [@Finance/Rental/Leasing] is valued at $1.77B. TRN’s [@Railroads] market capitalization is $2.13B. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The market cap for tickers in the [@Railroads] industry ranges from $133.46B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $13.11B. The average market capitalization across the [@Railroads] industry is $15.86B.

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

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

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 TRN’s TA Score has 5 bullish TA indicator(s).

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

Price Growth

ENVA (@Finance/Rental/Leasing) experienced а -3.34% price change this week, while TRN (@Railroads) price change was -0.34% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was -0.50%. For the same industry, the average monthly price growth was +2.40%, and the average quarterly price growth was +12.67%.

The average weekly price growth across all stocks in the @Railroads industry was +1.34%. For the same industry, the average monthly price growth was +2.46%, and the average quarterly price growth was -0.52%.

Reported Earning Dates

ENVA is expected to report earnings on Jul 24, 2025.

TRN is expected to report earnings on Jul 30, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (-0.50% 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).

@Railroads (+1.34% weekly)

The Railroad industry includes passenger and freight transportation services along rail lines. This also includes companies that provide maintenance and switching duties as part of rail services. Within North America, the industry is largely dominated by some large operators. Several short-line railroads serve regional and local routes. Union Pacific Corporation, Canadian National Railway Company, and CSX Corporation are some of the prominent names in the business. The railroad business is relatively cyclical; economic expansion boost the freight services in particular, while economic stagnation often dampens transportation demand.

SUMMARIES
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FUNDAMENTALS
Fundamentals
TRN($2.13B) has a higher market cap than ENVA($1.77B). TRN has higher P/E ratio than ENVA: TRN (14.71) vs ENVA (11.25). ENVA YTD gains are higher at: -2.670 vs. TRN (-24.325). TRN has higher annual earnings (EBITDA): 781M vs. ENVA (266M). TRN has more cash in the bank: 94.9M vs. ENVA (54.4M). ENVA has less debt than TRN: ENVA (2.97B) vs TRN (5.62B). TRN has higher revenues than ENVA: TRN (2.86B) vs ENVA (2.12B).
ENVATRNENVA / TRN
Capitalization1.77B2.13B83%
EBITDA266M781M34%
Gain YTD-2.670-24.32511%
P/E Ratio11.2514.7176%
Revenue2.12B2.86B74%
Total Cash54.4M94.9M57%
Total Debt2.97B5.62B53%
FUNDAMENTALS RATINGS
ENVA vs TRN: Fundamental Ratings
ENVA
TRN
OUTLOOK RATING
1..100
713
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
22
Undervalued
PROFIT vs RISK RATING
1..100
1154
SMR RATING
1..100
4558
PRICE GROWTH RATING
1..100
5178
P/E GROWTH RATING
1..100
4870
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.

TRN's Valuation (22) in the Trucks Or Construction Or Farm Machinery industry is somewhat better than the same rating for ENVA (84) in the Finance Or Rental Or Leasing industry. This means that TRN’s stock grew somewhat faster than ENVA’s over the last 12 months.

ENVA's Profit vs Risk Rating (11) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for TRN (54) in the Trucks Or Construction Or Farm Machinery industry. This means that ENVA’s stock grew somewhat faster than TRN’s over the last 12 months.

ENVA's SMR Rating (45) in the Finance Or Rental Or Leasing industry is in the same range as TRN (58) in the Trucks Or Construction Or Farm Machinery industry. This means that ENVA’s stock grew similarly to TRN’s over the last 12 months.

ENVA's Price Growth Rating (51) in the Finance Or Rental Or Leasing industry is in the same range as TRN (78) in the Trucks Or Construction Or Farm Machinery industry. This means that ENVA’s stock grew similarly to TRN’s over the last 12 months.

ENVA's P/E Growth Rating (48) in the Finance Or Rental Or Leasing industry is in the same range as TRN (70) in the Trucks Or Construction Or Farm Machinery industry. This means that ENVA’s stock grew similarly to TRN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
ENVATRN
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bearish Trend 2 days ago
66%
Bearish Trend 2 days ago
73%
Momentum
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
74%
MACD
ODDS (%)
Bullish Trend 2 days ago
80%
Bullish Trend 2 days ago
76%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
68%
Bearish Trend 2 days ago
72%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
63%
Bearish Trend 2 days ago
72%
Advances
ODDS (%)
Bullish Trend 5 days ago
75%
Bullish Trend 5 days ago
68%
Declines
ODDS (%)
Bearish Trend 2 days ago
67%
Bearish Trend 2 days ago
71%
BollingerBands
ODDS (%)
N/A
Bearish Trend 2 days ago
73%
Aroon
ODDS (%)
Bullish Trend 2 days ago
57%
Bearish Trend 3 days ago
78%
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ENVA
Daily Signalchanged days ago
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TRN
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 83% 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%
-1.65%
OMF - ENVA
83%
Closely correlated
-2.43%
COF - ENVA
80%
Closely correlated
-2.45%
SYF - ENVA
80%
Closely correlated
-2.60%
AXP - ENVA
79%
Closely correlated
-3.42%
BFH - ENVA
76%
Closely correlated
-5.34%
More

TRN and

Correlation & Price change

A.I.dvisor indicates that over the last year, TRN has been loosely correlated with WAB. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if TRN jumps, then WAB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To TRN
1D Price
Change %
TRN100%
-1.33%
WAB - TRN
62%
Loosely correlated
-1.06%
GBX - TRN
58%
Loosely correlated
-1.99%
NSC - TRN
45%
Loosely correlated
-1.14%
UNP - TRN
42%
Loosely correlated
-0.94%
CP - TRN
40%
Loosely correlated
-0.90%
More