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Consumer Finance

Every analyzed stock in Consumer Finance — 16 companies. Each card shows price, our model's intrinsic value (IV), and how far price sits above or below it. Click any card for the full analysis. This is a research-triage view, not a buy/sell signal.

Educational use only — not investment advice. "Undervalued / fairly valued / overvalued" and every risk score reflect our models vs. price, which can be wrong or based on stale or incomplete data. Always review the company's own financials and SEC filings, and consult a licensed advisor, before acting.
Sort by: A–Z Most overvalued Most shorted Buyers' strike Largest
ECPG
ENCORE CAPITAL GROUP INC
Overvalued
Financial Services
Price$100.06
Model IV$82.74
P/IV1.19
Premium +21% Return to IV: -17.3%
Market implies +7.8%/yr vs model +6.3% · in line
ENVA
Enova International, Inc.
Deeply undervalued
Financial Services
Price$182.59
Model IV$1,920.87
P/IV0.08
Discount 90% Return to IV: +952.0%
Market implies -16.5%/yr vs model +25.0% · below model
IX
ORIX CORP
Deeply undervalued
Financial Services
Price$36.69
Model IV$168.11
P/IV0.23
Discount 78% Return to IV: +358.2%
Market implies -1.8%/yr vs model +25.0% · below model
JCAP
Jefferson Capital, Inc. / DE
Valuation N/A
Financial Services
Price$19.95
Model IV—
P/IV—
Market implies -24.5%/yr vs model +25.0% · below model
LC
LendingClub Corp
Valuation N/A
Financial Services
Price$19.21
Model IV—
P/IV—
Market implies +65.7%/yr vs model +5.1% · above model
LPRO
Open Lending Corp
Valuation N/A
Financial Services
Price$3.14
Model IV—
P/IV—
Market implies +46.1%/yr vs model +2.0% · above model
NNI
NELNET INC
Deeply undervalued
Financial Services
Price$125.96
Model IV$233.95
P/IV0.56
Discount 46% Return to IV: +85.7%
Market implies -3.6%/yr vs model +5.0% · below model
NRUC
NATIONAL RURAL UTILITIES COOPERATIVE FINANCE CORP /DC/
Valuation N/A
Financial Services
Price$20.11
Model IV—
P/IV—
Limited data — see page
ORBS
Eightco Holdings Inc.
Deeply overvalued
Financial Services
Price$0.91
Model IV$0.62
P/IV1.49
Premium +46% Return to IV: -31.7%
Market implies +12.5%/yr vs model +43.1% · below model
PLBC
PLUMAS BANCORP
Deeply overvalued
Financial Services
Price$61.77
Model IV$44.88
P/IV1.36
Premium +38% Return to IV: -27.3%
Market implies +9.3%/yr vs model +7.1% · in line
PRAA
PRA GROUP INC
Fairly valued
Financial Services
Price$20.32
Model IV$17.74
P/IV0.86
Premium +15% Return to IV: -12.7%
Market implies +1.1%/yr vs model +2.3% · in line
RM
Regional Management Corp.
Deeply undervalued
Financial Services
Price$33.92
Model IV$424.52
P/IV0.09
Discount 92% Return to IV: +1,151.5%
Market implies -37.2%/yr vs model +11.6% · below model
SLM
SLM Corp
Valuation N/A
Financial Services
Price$22.67
Model IV—
P/IV—
Limited data — see page
SLMBP
SLM Corp
Valuation N/A
Financial Services
Price$73.57
Model IV—
P/IV—
Limited data — see page
SWKHL
SWK Holdings Corp
Fairly valued
Financial Services
Price$25.07
Model IV$29.27
P/IV0.86
Discount 14% Return to IV: +16.7%
Market implies -0.1%/yr vs model +3.4% · below model
TROO
Troops, Inc. /Cayman Islands/
Deeply overvalued
Financial Services
Price$1.58
Model IV$0.51
P/IV3.59
Premium +209% Return to IV: -67.6%
Market implies +18.6%/yr vs model +46.8% · below model