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Enova International (ENVA)
NYSE:ENVA
ENVA Stock Chart & Stats
$172.37
-$0.47(-0.48%)
At close: 4:00 PM EST
$172.37
-$0.47(-0.48%)
Day’s Range― - ―
52-Week Range$79.41 - $173.39
Previous CloseN/A
Volume27.48K
Average Volume (3M)257.26K
Market Cap
$4.08B
Enterprise Value$8.51B
Total Cash (Recent Filing)$53.60M
Total Debt (Recent Filing)$4.14B
Price to Earnings (P/E)14.9
Beta1.24
Next Earnings
Apr 28, 2026EPS Estimate
3.64Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.46
Shares Outstanding24,724,796
10 Day Avg. Volume343,212
30 Day Avg. Volume257,262
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 Cap2.08
Enterprise Value/Revenue2.80
Enterprise Value/Gross Profit6.02
Enterprise Value/Ebitda20.09
Forecast
1Y Price Target
$188.71Price Target Upside9.48% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Earnings Guidance And Analyst UpgradesAnalyst raised earnings estimates and issued a Buy recommendation after results beat profit expectations and company guidance signaled stronger revenue and earnings than external forecasts.
Loan Originations And Revenue GrowthHigher loan originations have driven revenue growth and supported stronger profitability by increasing interest income and leveraging favorable lending mix.
Strategic Acquisition And Competitive PositioningPlanned acquisition of Enova is expected to expand fintech capabilities in the non-prime consumer space, deliver funding-cost advantages and strengthen the company's position versus neobank peers.
Bears Say
Regulatory And Deal Execution RiskRegulatory scrutiny and execution risk tied to the bank acquisition could complicate closing the deal, increase compliance costs and delay realization of expected synergies.
Rising Operating ExpensesOperating expenses increased due to higher marketing spending aimed at capturing loan demand, which is weighing on near-term profitability despite strong origination volumes.
Enova International News
ENVA FAQ
What was Enova International’s price range in the past 12 months?
Enova International lowest stock price was $79.41 and its highest was $173.39 in the past 12 months.
What is Enova International’s market cap?
Enova International’s market cap is $4.08B.
When is Enova International’s upcoming earnings report date?
Enova International’s upcoming earnings report date is Apr 28, 2026 which is in 84 days.
How were Enova International’s earnings last quarter?
Enova International released its earnings results on Jan 27, 2026. The company reported $3.46 earnings per share for the quarter, beating the consensus estimate of $3.241 by $0.219.
Is Enova International overvalued?
According to Wall Street analysts Enova International’s price is currently Undervalued.
Does Enova International pay dividends?
Enova International does not currently pay dividends.
What is Enova International’s EPS estimate?
Enova International’s EPS estimate is 3.64.
How many shares outstanding does Enova International have?
Enova International has 24,724,796 shares outstanding.
What happened to Enova International’s price movement after its last earnings report?
Enova International reported an EPS of $3.46 in its last earnings report, beating expectations of $3.241. Following the earnings report the stock price went up 0.989%.
Which hedge fund is a major shareholder of Enova International?
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$188.71 (9.48% Upside)
$188.71 (9.48% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 100%
Sector Average 70%
Sector Average 70%
Hedge Fund Trend
Decreased
By 227.5K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▼ 0.2%
Last 30 Days ▲ 6.1%
Last 30 Days ▲ 6.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
45.26%
12-Months-Change
Fundamentals
Return on Equity
24.34%
Trailing 12-Months
Asset Growth
22.83%
Trailing 12-Months
Company Description
Enova International
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong operational and financial positives: record originations and portfolio growth, robust Q4 revenue and profitability, stable/improving credit metrics, healthy liquidity and a strategic acquisition with material expected synergies. The main cautions were higher near-term marketing and operating expenses, a still-elevated consumer net charge-off level, reliance on macro stability for 2026 guidance, and regulatory/execution risk tied to the Grasshopper acquisition. Overall, the positives - including clear guidance for continued growth and meaningful synergies from the pending acquisition - outweigh the manageable near-term challenges.View all ENVA earnings summariesENVA Stock 12 Month Forecast
Average Price Target
$188.71
▲(9.48% 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
5.80% Insiders
24.40% Mutual Funds
0.59% Other Institutional Investors
44.11% Public Companies and Individual Investors