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ENVA Stock Chart & Stats
$237.27
$8.38(3.53%)
At close: 4:00 PM EDT
$237.27
$8.38(3.53%)
Day’s Range― - ―
52-Week Range$101.96 - $262.20
Previous CloseN/A
Volume198.49K
Average Volume (3M)436.44K
Market Cap
$6.33B
Enterprise Value$10.91K
Total Cash (Recent Filing)$122.23M
Total Debt (Recent Filing)$5.05B
Price to Earnings (P/E)17.8
Beta1.41
Next Earnings
Oct 22, 2026EPS Estimate
4.49Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)14.29
Shares Outstanding24,898,370
10 Day Avg. Volume393,726
30 Day Avg. Volume436,445
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$274.17Price Target Upside15.55% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)16.45
Revenue Forecast (FY)$3.78B
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained, high free cash flow and tight cash conversion (free cash flow ~0.94–0.98x net income) provide durable internal financing for originations, capital allocation, and buffers against credit cycles. This supports growth, deleveraging, and funding strategic initiatives without sole reliance on external markets.
Originations & Revenue GrowthConsistent multi-quarter originations growth and accelerating revenue reflect repeatable customer acquisition and scalable underwriting capabilities. Durable origination momentum across consumer and SMB suggests a strong market position and the ability to compound receivables and fee/interest income over the medium term.
Funding Capacity & LiquidityAn enlarged, extended securitization facility and ~$929M total liquidity (cash plus available facility) materially improve funding certainty. Reliable access to securitization markets reduces refinancing risk, enabling sustained originations and balance-sheet management through different funding cycles.
Bears Say
High LeverageMaterially elevated leverage increases sensitivity to funding costs and credit cycles, reducing financial flexibility. In stress periods higher debt servicing constrains capital allocation and raises refinancing risk, making earnings and growth more dependent on sustained strong cash generation and favorable funding markets.
Elevated Consumer Credit LossesPersistently high consumer net charge-offs, even if improving, indicate structural credit risk in that portfolio segment. This limits margin upside, forces higher pricing or reserves, and creates durable earnings volatility compared with lower-loss SMB receivables, constraining long-term margin stability.
Regulatory Risk On AcquisitionA materially accretive acquisition that is conditional on regulatory approval introduces execution and timing uncertainty. Delay or denial could affect expected synergies, capital planning, and strategic positioning, leaving management to operate without anticipated earnings accretion and integration benefits for an extended period.
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 $101.95 and its highest was $262.20 in the past 12 months.
What is Enova International Inc.’s market cap?
Enova International Inc.’s market cap is $6.33B.
When is Enova International Inc.’s upcoming earnings report date?
Enova International Inc.’s upcoming earnings report date is Oct 22, 2026 which is in 77 days.
How were Enova International Inc.’s earnings last quarter?
Enova International Inc. released its earnings results on Jul 23, 2026. The company reported $4.31 earnings per share for the quarter, beating the consensus estimate of $3.963 by $0.347.
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 4.49.
How many shares outstanding does Enova International Inc. have?
Enova International Inc. has 24,898,370 shares outstanding.
What happened to Enova International Inc.’s price movement after its last earnings report?
Enova International Inc. reported an EPS of $4.31 in its last earnings report, beating expectations of $3.963. Following the earnings report the stock price went up 8.939%.
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
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Analyst Consensus
Strong Buy
Average Price Target:
$274.17 (15.55% Upside)
$274.17 (15.55% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 26.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $25.2M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 2.4%
Last 30 Days ▲ 6.0%
Last 30 Days ▲ 6.0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
112.34%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
26.16%
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, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
ENVA Company Deck
ENVA Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted robust top-line growth, strong originations momentum across consumer and small business, materially improved profitability and consolidated credit metrics, and proactive balance sheet management. Offsetting items include elevated marketing spend (intentional to capture demand), some consumer portfolio absolute loss levels that remain elevated despite improvement, modest short-term variability in SMB delinquency, and regulatory timing risk related to the Grasshopper Bank acquisition. Management reiterated constructive guidance and expects significant synergies from the pending acquisition once approved.View all ENVA earnings summariesENVA Stock 12 Month Forecast
Average Price Target
$274.17
▲(15.55% Upside)
Technical Analysis
Bread Financial Holdings
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OneMain Holdings
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Upstart Holdings
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Affirm Holdings
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Sezzle Inc.
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Ownership Overview
5.30% Insiders
25.45% Mutual Funds
1.82% Other Institutional Investors
40.47% Public Companies and Individual Investors