Enova International Inc. (ENVA)
NYSE:ENVA
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ENVA Stock Chart & Stats
$162.81
-$0.47(-0.48%)
At close: 4:00 PM EST
$162.81
-$0.47(-0.48%)
Day’s Range― - ―
52-Week Range$96.57 - $204.06
Previous CloseN/A
Volume27.48K
Average Volume (3M)268.69K
Market Cap
$5.04B
Enterprise Value$9.68B
Total Cash (Recent Filing)$96.13M
Total Debt (Recent Filing)$4.86B
Price to Earnings (P/E)15.4
Beta1.38
Next Earnings
Jul 23, 2026EPS Estimate
3.96Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)13.08
Shares Outstanding24,884,895
10 Day Avg. Volume443,160
30 Day Avg. Volume268,694
Financial Highlights & Ratios
PEG Ratio0.22
Price to Book (P/B)2.91
Price to Sales (P/S)1.23
P/FCF Ratio2.20
Enterprise Value/Market Cap1.92
Enterprise Value/Revenue2.95
Enterprise Value/Gross Profit4.61
Enterprise Value/Ebitda15.02
Forecast
1Y Price Target
$201.00Price Target Upside23.46% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)16.44
Revenue Forecast (FY)$3.78B
Bulls Say, Bears Say
Bulls Say
Cash GenerationEnova's near-parity of free cash flow and net income with TTM FCF of ~$1.86B demonstrates durable internal funding. That strong cash conversion supports sustained reinvestment in growth, services debt/interest obligations, and provides flexibility to weather credit cycles without frequent equity raises.
Originations & SMB MixRobust origination growth, driven by SMB where loss rates are much lower, materially reshapes the portfolio toward steadier, higher-quality receivables. A larger SMB mix supports more predictable cash flows, scale economies in underwriting, and reduces reliance on the higher-loss consumer segment long term.
Funding & LiquiditySubstantial liquidity (cash plus available facilities) and recent warehouse upsizes expand funding runway and lower short-term roll risk. Strong access to secured facilities enables continued originations growth and cushions funding cost volatility until lower-cost deposit funding (Grasshopper) is realized.
Bears Say
Rising LeverageSignificantly higher leverage increases sensitivity to funding-cost swings and credit stress. With debt-to-equity markedly elevated versus prior years, the company has less balance-sheet flexibility, greater interest expense variability, and a higher risk profile if macro conditions or liquidity tighten.
Consumer Credit RiskPersistently elevated consumer charge-offs concentrate credit risk and amplify earnings volatility. Until underwriting, pricing, or borrower mix meaningfully improve, high consumer losses will require higher returns on capital, constrain product expansion, and limit margin resilience in downturns.
Margin Pressure & Expense IntensityMaterial margin compression and elevated marketing/operating spend reduce durable profitability. Unless efficiency gains, lower funding costs, or targeted synergies from the Grasshopper deal materialize, sustained higher expense intensity will compress operating leverage and reduce free cash flow growth.
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 $96.56 and its highest was $204.06 in the past 12 months.
What is Enova International Inc.’s market cap?
Enova International Inc.’s market cap is $5.04B.
When is Enova International Inc.’s upcoming earnings report date?
Enova International Inc.’s upcoming earnings report date is Jul 23, 2026 which is in 31 days.
How were Enova International Inc.’s earnings last quarter?
Enova International Inc. released its earnings results on Apr 23, 2026. The company reported $3.87 earnings per share for the quarter, beating the consensus estimate of $3.681 by $0.189.
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 3.96.
How many shares outstanding does Enova International Inc. have?
Enova International Inc. has 24,884,895 shares outstanding.
What happened to Enova International Inc.’s price movement after its last earnings report?
Enova International Inc. reported an EPS of $3.87 in its last earnings report, beating expectations of $3.681. Following the earnings report the stock price went down -1.635%.
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
Outperform
1
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5
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7
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9
10
Analyst Consensus
Strong Buy
Average Price Target:
$201.00 (23.46% Upside)
$201.00 (23.46% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 26.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $9.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 0.1%
Last 30 Days ▲ 4.1%
Last 30 Days ▲ 4.1%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
107.40%
12-Months-Change
Fundamentals
Return on Equity
24.88%
Trailing 12-Months
Asset Growth
26.02%
Trailing 12-Months
Company Description
Enova International Inc.
Enova International, Inc., a technology-driven analytics firm, offers online financial solutions across various markets, including the United States, Brazil, Australia, and Canada. Its product portfolio includes fixed-term installment loans, revolving lines of credit, and agreements for purchasing receivables. The company also operates Credit Services Organization (CSO) programs, facilitating loans by connecting consumers with independent third-party lenders and providing assistance with application documents. Additionally, Enova manages bank programs, contributing marketing and loan servicing support for near-prime, unsecured consumer installment products. These diverse financial offerings are marketed under well-known brand names such as CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea. Established in 2011, Enova International, Inc. maintains its headquarters in Chicago, Illinois.
ENVA Company Deck
ENVA Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was broadly positive: management reported strong top-line growth (originations +33%, revenue +17%), record revenue and meaningful EPS expansion (+30%), improved credit metrics (consolidated NCO down 100 bps to 7.6%), solid liquidity and funding execution, and raised near-term guidance. Key risks discussed include higher operating and marketing expenses (operating expenses 36% of revenue; marketing 22%), still-elevated consumer charge-offs (14.3%), ongoing macro sensitivity to energy prices, and regulatory/timing uncertainty around the Grasshopper Bank acquisition. On balance, the favorable growth, improved credit trends, raised outlook, and strategic initiatives outweigh the manageable headwinds.View all ENVA earnings summariesENVA Stock 12 Month Forecast
Average Price Target
$201.00
▲(23.46% Upside)
Technical Analysis
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Ownership Overview
5.38% Insiders
24.46% Mutual Funds
18.28% Other Institutional Investors
25.43% Public Companies and
Individual Investors