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Enova International Inc. (ENVA)
NYSE:ENVA
ENVA Stock Chart & Stats
$163.85
-$0.47(-0.48%)
At close: 4:00 PM EST
$163.85
-$0.47(-0.48%)
Day’s Range― - ―
52-Week Range$79.41 - $168.68
Previous CloseN/A
Volume27.48K
Average Volume (3M)260.24K
Market Cap
$4.06B
Enterprise Value$6.96B
Total Cash (Recent Filing)$53.60M
Total Debt (Recent Filing)$4.14B
Price to Earnings (P/E)15.1
Beta1.23
Next Earnings
Feb 04, 2026EPS Estimate
3.17Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.36
Shares Outstanding24,777,390
10 Day Avg. Volume422,359
30 Day Avg. Volume260,238
Financial Highlights & Ratios
PEG Ratio0.34
Price to Book (P/B)2.16
Price to Sales (P/S)0.97
P/FCF Ratio1.73
Enterprise Value/Market Cap1.71
Enterprise Value/Revenue2.29
Enterprise Value/Gross Profit4.92
Enterprise Value/Ebitda16.42
Forecast
1Y Price Target
$176.33Price Target Upside7.62% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)12.73
Revenue Forecast (FY)$3.15B
Bulls Say, Bears Say
Bulls Say
Acquisition BenefitsEnova's acquisition positions the company to become a premier neobank and fintech in the non-prime consumer space, bringing funding cost benefits and enhancing its competitive position.
Financial PerformanceEnova's 3Q25 results beat consensus on adjusted EBITDA and EPS due to growth in loan originations and lower marketing costs.
Stock ValuationEnova's stock is considered cheaper than its neobank peers, with a new price target set at a multiple lower than other neobank peers.
Bears Say
Consumer Lending PerformanceConsumer lending loan growth was below expectations, resulting in lower-than-expected revenue and higher losses.
Regulatory ChallengesThere is concern about the regulatory burden of completing the deal and realizing the synergies laid out by Enova.
Enova International News
ENVA FAQ
What was Enova International Inc.’s price range in the past 12 months?
Enova International Inc. lowest stock price was $79.41 and its highest was $168.68 in the past 12 months.
What is Enova International Inc.’s market cap?
Enova International Inc.’s market cap is $4.06B.
When is Enova International Inc.’s upcoming earnings report date?
Enova International Inc.’s upcoming earnings report date is Feb 04, 2026 which is in 42 days.
How were Enova International Inc.’s earnings last quarter?
Enova International Inc. released its earnings results on Oct 23, 2025. The company reported $3.36 earnings per share for the quarter, beating the consensus estimate of $3.032 by $0.328.
Is Enova International Inc. overvalued?
According to Wall Street analysts Enova International Inc.’s price is currently Undervalued.
Does Enova International Inc. pay dividends?
Enova International Inc. does not currently pay dividends.
What is Enova International Inc.’s EPS estimate?
Enova International Inc.’s EPS estimate is 3.17.
How many shares outstanding does Enova International Inc. have?
Enova International Inc. has 24,777,390 shares outstanding.
What happened to Enova International Inc.’s price movement after its last earnings report?
Enova International Inc. reported an EPS of $3.36 in its last earnings report, beating expectations of $3.032. Following the earnings report the stock price went up 9.357%.
Which hedge fund is a major shareholder of Enova International Inc.?
Currently, no hedge funds are holding shares in ENVA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Enova International Stock Smart Score
Neutral
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Analyst Consensus
Strong Buy
Average Price Target:
$176.33 (7.62% Upside)
$176.33 (7.62% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 227.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $6.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 0.5%
Last 30 Days ▲ 2.5%
Last 30 Days ▲ 2.5%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
70.88%
12-Months-Change
Fundamentals
Return on Equity
23.81%
Trailing 12-Months
Asset Growth
19.83%
Trailing 12-Months
Company Description
Enova International Inc.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
ENVA Company Deck
ENVA Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Positive
The earnings call highlights strong financial performance, including significant growth in originations and revenue, stable credit metrics, and operational efficiency. However, there were concerns about a previous consumer credit adjustment and the company's current market valuation.View all ENVA earnings summariesENVA Stock 12 Month Forecast
Average Price Target
$176.33
▲(7.62% Upside)
Technical Analysis
Bread Financial Holdings
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Western Union
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LendingClub
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FinVolution Group
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Lufax Holding
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Ownership Overview
5.82% Insiders
23.27% Mutual Funds
18.84% Other Institutional Investors
26.63% Public Companies and Individual Investors