Tax-loss harvesting alternatives for ENVA

Among the 14 Consumer Finance peers screened, COF (Capital One Financial) has tracked ENVA most closely over the past year, with a return correlation of 0.60. The strongest fund stand-in is VFH (Vanguard Financials ETF) at 0.61 over the past year. Correlations are computed from daily closing-price returns aligned by trading day.

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STOCKS

Single-name peers

Ticker	Name	Sub-industry	1Y	3Y	5Y	10Y
COF	Capital One Financial	Consumer Finance	0.60	0.66	0.67	0.63
SYF	Synchrony Financial	Consumer Finance	0.60	0.64	0.65	0.60
ALLY	Ally Financial	Consumer Finance	0.58	0.57	0.59	0.59
AXP	American Express	Consumer Finance	0.55	0.61	0.59	0.58
BFH	Bread Financial Holdings, Inc.	Consumer Finance	0.55	0.61	0.63	0.58
SLM	SLM Corp	Consumer Finance	0.48	0.56	0.53	0.47
WRLD	World Acceptance Corporation	Consumer Finance	0.39	0.52	0.53	0.46
ECPG	Encore Capital Group, Inc.	Consumer Finance	0.39	0.48	0.42	0.46
DAVE	Dave, Inc.	Consumer Finance	0.39	0.33	0.28	—
SOFI	SoFi Technologies	Consumer Finance	0.37	0.48	0.42	—
PRG	PROG Holdings, Inc.	Consumer Finance	0.28	0.39	0.41	0.38
NAVI	Navient	Consumer Finance	0.28	0.50	0.50	0.55
EZPW	EZCORP, Inc.	Consumer Finance	0.26	0.29	0.30	0.34
FCFS	FirstCash	Consumer Finance	0.22	0.28	0.36	0.46

ETFS

Fund stand-ins

An ETF is generally not 'substantially identical' to a single stock, which is why funds are the standard wash-sale-aware replacement.

Ticker	Name	Focus	Match	1Y	3Y	5Y	10Y
VFH	Vanguard Financials ETF	Financials Sector	SECTOR	0.61	0.65	0.66	0.62
KBWB	Invesco KBW Bank ETF	Large Banks	INDUSTRY	0.60	0.66	0.65	0.61
XLF	Financial Select Sector SPDR	Financials Sector	SECTOR	0.59	0.62	0.64	0.59
IYF	iShares US Financials ETF	Financials Sector	SECTOR	0.58	0.64	0.65	0.60
KBE	SPDR S&P Bank ETF	Banks	INDUSTRY	0.57	0.66	0.66	0.63
KRE	SPDR S&P Regional Banking ETF	Regional Banks	SUB-IND	0.54	0.65	0.64	0.62
IPAY	ETFMG Prime Mobile Payments	Payments	SUB-IND	0.50	0.61	0.60	0.53
IAI	iShares Broker-Dealers & Exchanges	Capital Markets	INDUSTRY	0.46	0.58	0.61	0.57
FINX	Global X FinTech ETF	FinTech	SUB-IND	0.44	0.56	0.56	0.47
KIE	SPDR S&P Insurance ETF	Insurance	INDUSTRY	0.35	0.44	0.53	0.56
ARKF	ARK Fintech Innovation ETF	FinTech (Active)	SUB-IND	0.35	0.50	0.50	0.43
IAK	iShares US Insurance ETF	Insurance	INDUSTRY	0.25	0.35	0.45	0.53

NEXT STEPS

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Replacement research for ENVA's peers

COF SYF ALLY AXP BFH SLM WRLD ECPG DAVE SOFI PRG NAVI EZPW FCFS

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Method: Pearson correlation of daily closing-price returns, Yahoo Finance data, series aligned by trading day, refreshed weekly. A cell is blank when overlapping history covers less than 60% of its window. Correlation is descriptive, not predictive. Wash-sale treatment depends on facts and circumstances — confirm with a tax professional. Not investment advice.