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Enova International (ENVA)
NYSE:ENVA
ENVA Stock Chart & Stats
$144.94
-$0.47(-0.48%)
At close: 4:00 PM EST
$144.94
-$0.47(-0.48%)
Day’s Range― - ―
52-Week Range$79.41 - $176.68
Previous CloseN/A
Volume27.48K
Average Volume (3M)363.76K
Market Cap
$3.54B
Enterprise Value$8.12B
Total Cash (Recent Filing)$71.71M
Total Debt (Recent Filing)$4.56B
Price to Earnings (P/E)12.6
Beta1.30
Next Earnings
Apr 28, 2026EPS Estimate
3.66Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.46
Shares Outstanding25,010,319
10 Day Avg. Volume305,481
30 Day Avg. Volume363,762
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 Cap2.29
Enterprise Value/Revenue2.58
Enterprise Value/Gross Profit5.14
Enterprise Value/Ebitda15.32
Forecast
1Y Price Target
$188.71Price Target Upside30.20% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)15.77
Revenue Forecast (FY)$3.65B
Bulls Say, Bears Say
Bulls Say
Credit Quality And Lending MixImproved credit quality and a focus on shorter-duration loans reduced expected losses and increased financial stability, allowing faster underwriting adjustments.
Loan Originations Driving RevenueStronger loan originations have lifted revenue and underpinned improved operating performance, supporting upward revisions to earnings expectations.
Strategic Acquisition And Funding BenefitsAcquisition of a banking franchise is expected to lower funding costs and strengthen the company’s position against neobank competitors, supporting a more attractive valuation vs peers.
Bears Say
Regulatory And Execution Risk From AcquisitionRegulatory hurdles and the challenge of realizing projected synergies from the bank acquisition pose execution risk and could delay expected financial benefits.
Rising Operating ExpensesIncreasing operating expenses, driven largely by higher marketing spend, have weighed on profitability despite solid loan demand and originations growth.
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 $176.68 in the past 12 months.
What is Enova International’s market cap?
Enova International’s market cap is $3.54B.
When is Enova International’s upcoming earnings report date?
Enova International’s upcoming earnings report date is Apr 28, 2026 which is in 53 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 $3.252 by $0.208.
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 3.66.
How many shares outstanding does Enova International have?
Enova International has 25,010,319 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 $3.252. 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 (30.20% Upside)
$188.71 (30.20% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 18.4K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $17.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 0.7%
Last 30 Days ▲ 4.2%
Last 30 Days ▲ 4.2%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
41.35%
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
▲(30.20% Upside)
Technical Analysis
Bread Financial Holdings
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Western Union
―
LendingClub
―
FinVolution Group
―
Lufax Holding
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Ownership Overview
5.61% Insiders
24.21% Mutual Funds
9.05% Other Institutional Investors
35.66% Public Companies and Individual Investors