Enova vs The Bancorp

This page compares Enova and The Bancorp, examining their business models, financial performance, and market context in clear, accessible terms. It provides neutral analysis to help readers understand each company’s approach and position within the sector. Educational content, not financial advice.

About The Companies

Enova (ENVA)

Enova International (ENVA) is a fintech-focused lender that provides short-term and instalment credit products to consumers and small businesses, primarily via online channels. The company leverages data analytics and automated underwriting to assess creditworthiness, aiming for faster decisions and tailored pricing. With a market cap around $2.8bn, Enova operates in competitive and regulated markets where loan performance can be cyclical and sensitive to macro conditions. Investors often watch its loan book growth, credit loss trends and regulatory developments, as these drive profitability and capital requirements. Key risks include credit losses during economic downturns, changes in consumer protection rules, and technological or model errors. This summary is for educational purposes only — it is not personalised investment advice. Values can rise and fall, and past performance is not a reliable indicator of future results. Consider your risk tolerance and consult a qualified adviser for personal suitability.

The Bancorp (TBBK)

Bancorp Inc (ticker TBBK) is a US‑based regional bank that provides deposit accounts, commercial lending, payment processing and fintech-facing card programmes. With a market capitalisation of about $3.45bn, it sits in the mid‑cap banking cohort and mixes traditional banking income (net interest margin) with fee income from prepaid and payment services. Growth can come from expanding client partnerships and higher interest rates, while profitability is exposed to loan performance, deposit costs and regulatory pressures. Investors should watch capital ratios, loan‑loss provisions, deposit stability and the mix of fee versus interest income. The company’s fintech partnerships can accelerate revenue but may concentrate operational and compliance risk. This summary is educational and not personal financial advice; prospective investors should review up‑to‑date financial statements and consult a qualified adviser to judge suitability for their portfolio.

Comparison Snapshot

Key Financial Metrics

ENVA

Metric

TBBK

$4.03B

Market Cap

$3.02B

-1.47%

Potential Profit

7.10%

Buy

Analyst Rating

Buy

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

The Federal Reserve's key inflation metric remained elevated at 2.9%, signaling that the fight against rising prices is ongoing. This creates a potential investment opportunity in companies that can thrive in a high-inflation, high-interest-rate environment.

Published: September 28, 2025

Explore Basket

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Published: September 28, 2025

Explore Basket

Investment Analysis

Enova

ENVA

Pros

Enova International's stock has reached an all-time high of $130.45, with a strong 29.91% price increase over the past year indicating robust market momentum.
The company reported strong Q3 2025 earnings with an adjusted EPS of $3.36, exceeding forecasts and showcasing solid profitability.
Analysts forecast substantial revenue and EPS growth through 2027, supported by strong loan originations and demand from small businesses.

Considerations

Despite strong EPS, Enova slightly missed revenue expectations in recent reports, indicating potential top-line growth challenges.
The company operates in a highly regulated online financial services industry with exposure to consumer credit risk in the U.S. and Brazil.
Enova’s stock price shows some volatility with forecasts suggesting a potential dip to about $95.87 within a year, reflecting possible market or operational risks.

The Bancorp

TBBK

Pros

The Bancorp has a focused business model providing specialised banking solutions, which can offer a niche competitive advantage.
The company has maintained stable earnings and a solid balance sheet with strong liquidity positions over the last year.
Bancorp benefits from regulatory clarity as a publicly traded bank holding company, enhancing transparency and risk management.

Considerations

The Bancorp’s growth prospects may be limited compared to tech-driven lenders due to the more traditional banking model and market competition.
Interest rate sensitivity and economic cyclicality pose risks to the Bancorp’s loan portfolio and net interest margins.
The company faces execution risks amid ongoing digital transformation pressures and increased competition from fintech and larger banks.

Why invest with Nemo?

🆓

Zero Commission

Trade stocks, ETFs, and more with zero commission. Keep more of your returns.

🔒

Trusted & Regulated

Part of Exinity Group 2015, serving over a million customers globally.

💰

6% Interest on Cash

Earn 6% AER on uninvested cash with daily interest payments.

Discover More Comparisons

Enova vs National MI

Enova vs National MI: A stock comparison

Enova vs FB Financial

Enova vs FB Financial: a stock comparison

Enova vs The Bancorp

About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%

Which Baskets Do They Appear In?

Inflation-Resistant Investments | Core PCE at 2.9%