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ENVA vs WLFC
Which Stock Would AI Choose? Enova International (ENVA) vs. Willis Lease Finance (WLFC) Stock Comparison
Key Takeaways
- ENVA is an online lender to non-prime consumers and small businesses, while WLFC leases commercial aircraft engines and provides aviation services — two fundamentally different business models.
- ENVA recently withdrew its bank regulatory applications tied to the Grasshopper Bancorp acquisition, triggering a sharp, double-digit pullback in recent weeks despite strong underlying earnings growth.
- WLFC has posted robust year-to-date gains, driven by tight spare-engine supply and record lease rent revenue, though its shares have cooled over the past month.
- ENVA reaffirmed 2026 guidance for 20–25% revenue growth and 30–35% adjusted EPS growth; WLFC reported a 47.5% year-over-year rise in first-quarter EPS (earnings per share).
- The relative performance gap reflects different catalysts: a regulatory setback for ENVA versus sustained aviation tailwinds for WLFC.
Introduction
Investors evaluating the consumer-finance and aviation-leasing sectors often weigh very different risk and return profiles. ENVA, the parent of Enova International, uses machine learning and proprietary analytics to extend credit to consumers and small businesses underserved by traditional banks. WLFC, Willis Lease Finance Corporation, is a leading lessor of commercial aircraft engines operating in a capital-intensive aviation market. This stock comparison examines their recent market positioning, relative performance, and the catalysts shaping sentiment, offering context for traders and investors who monitor momentum and fundamental shifts across distinct industries.
ENVA Overview and Recent Performance
Enova International is a financial services company that has originated more than $72 billion in loans to over 15 million customers across its consumer and small-business lending platforms. The company reported second-quarter adjusted EPS of $4.31, up from $3.23 a year earlier, on revenue of roughly $929 million, a 21.6% year-over-year increase.
Recent market activity, however, has been dominated by a regulatory development. In September, ENVA withdrew its applications with the Office of the Comptroller of the Currency and the Federal Reserve related to its planned acquisition of Grasshopper Bancorp, citing a lack of clarity in the bank-authorization process. The announcement sent the stock down nearly 25% in a single session and roughly 20% for the week. Management reaffirmed its full-year 2026 outlook for 20–25% revenue growth and 30–35% adjusted EPS growth, and signaled plans to accelerate share repurchases. Wall Street analysts maintain a broadly positive consensus, though the stock's P/E (price-to-earnings) ratio has compressed to the low teens amid the setback.
WLFC Overview and Recent Performance
Willis Lease Finance Corporation leases large and regional spare commercial aircraft engines and aircraft to airlines, manufacturers, and maintenance providers worldwide, complemented by engine trading, asset management, and repair services. For the first quarter of 2026, WLFC reported diluted EPS of $3.26, a 47.5% increase, on total revenue of $194.3 million, up 23.2% year over year.
Results were supported by record quarterly lease rent revenue of $77.4 million and a rise in portfolio utilization to 85.8% from 79.9% a year earlier. Management attributed the strength to constrained spare-engine availability and airlines' preference to lease engines rather than purchase them outright. Newer-generation engines now account for roughly half of the portfolio. The company also expanded its revolving credit facility from $1 billion to $1.75 billion and advanced its asset-management partnerships. After a strong year-to-date advance, WLFC shares have pulled back in recent weeks, and the stock carries a modest dividend yield.
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Head-to-Head Comparison
The two companies operate at opposite ends of the financial-services spectrum. ENVA's model depends on credit underwriting, interest-rate spreads, and loan origination volume, making it sensitive to consumer credit quality and regulatory decisions. WLFC's model hinges on hard-asset leasing, engine utilization, and aviation market dynamics, tying its fortunes to airline demand and maintenance cycles.
Growth drivers also diverge. ENVA's momentum rests on 20%-plus origination growth and improving net charge-off ratios, while WLFC benefits from scarce spare engines and elevated maintenance demand. On risk, ENVA faces regulatory and credit-cycle exposure, whereas WLFC contends with capital intensity, financing costs, and cyclicality in aircraft travel. Recent momentum favors WLFC, which has sustained strong year-to-date gains, while ENVA's sharp regulatory-driven decline has pressured its relative performance. Sector exposure is similarly distinct: consumer and small-business credit versus global commercial aviation.
Tickeron AI Verdict
Based on observable trend consistency, stability, and catalyst profiles, Tickeron's AI would likely favor WLFC in the current environment. WLFC's trend has been supported by record lease rent revenue, rising utilization, and favorable aviation supply-demand conditions, whereas ENVA's recent regulatory withdrawal introduced near-term uncertainty and a notable share-price drawdown despite solid fundamentals. That said, ENVA's reaffirmed guidance and strong earnings growth suggest the sell-off may reflect event-driven sentiment rather than deteriorating operations. The verdict is therefore probabilistic: WLFC currently displays more consistent positive momentum, while ENVA's valuation reset could appeal to investors with a longer horizon if execution remains on track.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
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 WLFC is a Hold.
ENVA's RSI Indicator ascending out of oversold territory
The RSI Indicator for ENVA moved out of oversold territory on October 01, 2026. This could be a sign that the stock is shifting from a downward trend to an upward trend. Traders may want to buy the stock or call options. The A.I.dvisor looked at 20 similar instances when the indicator left oversold territory. In 17 of the 20 cases the stock moved higher. This puts the odds of a move higher at 85%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Moving Average Convergence Divergence (MACD) for ENVA just turned positive on October 02, 2026. Looking at past instances where ENVA's MACD turned positive, the stock continued to rise in 31 of 41 cases over the following month. The odds of a continued upward trend are 76%.
Following a +2.19% 3-day Advance, the price is estimated to grow further. Considering data from situations where ENVA advanced for three days, in 269 of 366 cases, the price rose further within the following month. The odds of a continued upward trend are 73%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 66 cases where ENVA's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 65%.
The Momentum Indicator moved below the 0 level on October 19, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on ENVA as a result. In 54 of 85 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 64%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where ENVA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 64%.
ENVA broke above its upper Bollinger Band on October 06, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for ENVA entered a downward trend on October 12, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 31 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 32 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 37 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 44 (best 1 - 100 worst), indicating steady price growth. ENVA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 55 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (2.994) is normal, around the industry mean (3.748). P/E Ratio (12.609) is within average values for comparable stocks, (5.859). Projected Growth (PEG Ratio) (0.270) is also within normal values, averaging (3.918). Dividend Yield (0.000) settles around the average of (0.393) among similar stocks. P/S Ratio (1.319) is also within normal values, averaging (5.901).
The Tickeron Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
WLFC in downward trend: 10-day moving average crossed below 50-day moving average on September 22, 2026
The 10-day moving average for WLFC crossed bearishly below the 50-day moving average on September 22, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 10 of 12 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 83%.
Technical Analysis (Indicators)
Bearish Trend Analysis
Following a 3-day decline, the stock is projected to fall further. Considering past instances where WLFC declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 65%.
The Aroon Indicator for WLFC entered a downward trend on October 22, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where WLFC's RSI Indicator exited the oversold zone, 18 of 20 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 90%.
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 44 of 56 cases where WLFC's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 79%.
The Momentum Indicator moved above the 0 level on October 22, 2026. You may want to consider a long position or call options on WLFC as a result. In 71 of 96 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 74%.
The Moving Average Convergence Divergence (MACD) for WLFC just turned positive on October 22, 2026. Looking at past instances where WLFC's MACD turned positive, the stock continued to rise in 36 of 54 cases over the following month. The odds of a continued upward trend are 67%.
Following a +9.04% 3-day Advance, the price is estimated to grow further. Considering data from situations where WLFC advanced for three days, in 238 of 324 cases, the price rose further within the following month. The odds of a continued upward trend are 73%.
WLFC may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 17 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron SMR rating for this company is 61 (best 1 - 100 worst), indicating strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Profit vs. Risk Rating rating for this company is 68 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. WLFC’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 72, placing this stock better than average.
The Tickeron Valuation Rating of 78 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.203) is normal, around the industry mean (2.003). P/E Ratio (9.680) is within average values for comparable stocks, (27.923). Projected Growth (PEG Ratio) (0.560) is also within normal values, averaging (0.988). Dividend Yield (0.013) settles around the average of (0.037) among similar stocks. P/S Ratio (1.552) is also within normal values, averaging (1.703).
The Tickeron Price Growth Rating for this company is 85 (best 1 - 100 worst), indicating slightly worse than average price growth. WLFC’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
ENVA | WLFC | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 16 | 63 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 55 Fair valued | 78 Overvalued | |
PROFIT vs RISK RATING 1..100 | 31 | 68 | |
SMR RATING 1..100 | 37 | 61 | |
PRICE GROWTH RATING 1..100 | 44 | 85 | |
P/E GROWTH RATING 1..100 | 32 | 17 | |
SEASONALITY SCORE 1..100 | 85 | 50 |
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.
ENVA's Valuation (55) in the Finance Or Rental Or Leasing industry is in the same range as WLFC (78). This means that ENVA’s stock grew similarly to WLFC’s over the last 12 months.
ENVA's Profit vs Risk Rating (31) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for WLFC (68). This means that ENVA’s stock grew somewhat faster than WLFC’s over the last 12 months.
ENVA's SMR Rating (37) in the Finance Or Rental Or Leasing industry is in the same range as WLFC (61). This means that ENVA’s stock grew similarly to WLFC’s over the last 12 months.
ENVA's Price Growth Rating (44) in the Finance Or Rental Or Leasing industry is somewhat better than the same rating for WLFC (85). This means that ENVA’s stock grew somewhat faster than WLFC’s over the last 12 months.
WLFC's P/E Growth Rating (17) in the Finance Or Rental Or Leasing industry is in the same range as ENVA (32). This means that WLFC’s stock grew similarly to ENVA’s over the last 12 months.
| ENVA | WLFC | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 85% | 1 day ago 90% |
| Stochastic ODDS (%) | 1 day ago 65% | 1 day ago 79% |
| Momentum ODDS (%) | 1 day ago 64% | 1 day ago 74% |
| MACD ODDS (%) | 1 day ago 76% | 1 day ago 67% |
| TrendWeek ODDS (%) | 1 day ago 65% | 1 day ago 72% |
| TrendMonth ODDS (%) | 1 day ago 69% | 1 day ago 68% |
| Advances ODDS (%) | 2 days ago 73% | 1 day ago 73% |
| Declines ODDS (%) | 9 days ago 64% | 3 days ago 65% |
| BollingerBands ODDS (%) | 1 day ago 71% | 1 day ago 74% |
| Aroon ODDS (%) | 1 day ago 57% | 1 day ago 67% |
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 overvalued. 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 2 FA rating(s) are green while WLFC’s FA Score has 1 green FA rating(s).
- ENVA’s FA Score: 2 green, 3 red.
- WLFC’s FA Score: 1 green, 4 red.
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 WLFC’s TA Score has 6 bullish TA indicator(s).
- ENVA’s TA Score: 3 bullish, 5 bearish.
- WLFC’s TA Score: 6 bullish, 3 bearish.
Price Growth
ENVA (@Savings Banks) experienced а -0.42% price change this week, while WLFC (@Finance/Rental/Leasing) price change was +4.81% for the same time period.
The average weekly price growth across all stocks in the @Savings Banks industry was -1.54%. For the same industry, the average monthly price growth was -4.88%, and the average quarterly price growth was -7.78%.
The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +2.94%. For the same industry, the average monthly price growth was -1.19%, and the average quarterly price growth was -2.92%.
Reported Earning Dates
ENVA is expected to report earnings on Feb 04, 2027.
WLFC is expected to report earnings on Nov 03, 2026.
Industries' Descriptions
@Savings Banks (-1.54% 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.
@Finance/Rental/Leasing (+2.94% 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).
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WLFC and
Correlation & Price change
A.I.dvisor indicates that over the last year, WLFC has been loosely correlated with AER. These tickers have moved in lockstep 50% of the time. This A.I.-generated data suggests there is some statistical probability that if WLFC jumps, then AER could also see price increases.
| Ticker / NAME | Correlation To WLFC | 1D Price Change % | ||
|---|---|---|---|---|
| WLFC | 100% | +3.04% | ||
| AER - WLFC | 50% Loosely correlated | -0.13% | ||
| NNI - WLFC | 49% Loosely correlated | +0.26% | ||
| ENVA - WLFC | 48% Loosely correlated | -1.82% | ||
| AXP - WLFC | 47% Loosely correlated | +0.48% | ||
| SYF - WLFC | 47% Loosely correlated | +1.32% | ||
More | ||||
| 1 Day | |||
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| XHE | 93.34 | 1.91 | +2.09% |
| State Street SPDR S&P Health Care Equipment ETF (XHE) | |||
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| Nuveen ESG U.S. Aggregate Bond ETF (NUBD) | |||
| ZTRE | 50.00 | 0.20 | +0.40% |
| F/M 3-Year Investment Grade Corporate Bond ETF (ZTRE) | |||
| FEMG | 25.41 | -0.67 | -2.58% |
| Fidelity Enhanced Mid Cap Growth ETF (FEMG) | |||
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| Direxion Daily MU Bull 2X ETF (MUU) | |||