Want to see ENVA full AI Analyst Report?
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$99.61 - $246.38
Previous CloseN/A
Volume27.48K
Average Volume (3M)405.00K
Market Cap
$5.74B
Enterprise Value$8.02K
Total Cash (Recent Filing)$96.13M
Total Debt (Recent Filing)$4.86B
Price to Earnings (P/E)18.0
Beta1.31
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. Volume329,483
30 Day Avg. Volume405,005
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
$236.67Price Target Upside45.36% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)16.45
Revenue Forecast (FY)$3.78B
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationConsistently high operating and free cash flow provides durable internal funding for origination growth, servicing, and M&A without immediate dependence on expensive external capital. Strong cash conversion also cushions earnings through credit cycles and funds technology and marketing investments long term.
Robust Originations, SMB MixA sustained shift toward SMB lending and rapid SMB originations diversify revenue away from higher-loss consumer loans, lowering portfolio volatility. A larger SMB receivable base supports steadier yields, better credit performance and longer-term revenue stability versus a consumer-concentrated book.
Proven Funding AccessExtended securitization and warehouse capacity demonstrate durable access to capital markets and operational funding flexibility. That structural funding availability supports sustained origination scale, reduces short-term refinancing risk, and enables holding receivables through cycles without dramatic liquidity strain.
Bears Say
High Balance-sheet LeverageElevated leverage increases sensitivity to rising funding costs and credit deterioration, reducing balance-sheet flexibility to absorb shocks or pursue opportunistic investments. High debt ratios can amplify earnings volatility and constrain capital allocation during industry stress or deposit funding delays.
Elevated Consumer Charge-offsPersistently high consumer loss rates materially erode net revenue and require ongoing pricing, provisioning or tighter underwriting. Such loss levels are structural risk drivers that can limit sustainably achievable margins and increase capital needs if macro conditions worsen.
Margin Pressure From Funding & MarketingSustained margin compression and elevated marketing spend reduce durable profitability. Until lower-cost deposit funding (e.g., Grasshopper) is realized, higher funding costs and marketing intensity will pressure net interest spread and operating margins, constraining long-term free cash flow expansion.
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 $99.61 and its highest was $246.38 in the past 12 months.
What is Enova International Inc.’s market cap?
Enova International Inc.’s market cap is $5.74B.
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 6 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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$236.67 (45.36% Upside)
$236.67 (45.36% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 70%
Sector Average 64%
Sector Average 64%
Hedge Fund Trend
Decreased
By 26.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $20.0M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 11.3%
Last 30 Days ▲ 11.3%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
108.91%
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 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 Stock 12 Month Forecast
Average Price Target
$236.67
▲(45.36% Upside)
Technical Analysis
Ownership Overview
5.30% Insiders
25.47% Mutual Funds
0.25% Other Institutional Investors
42.48% Public Companies and
Individual Investors