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$90.87 - $176.68
Previous CloseN/A
Volume27.48K
Average Volume (3M)235.27K
Market Cap
$4.01B
Enterprise Value$8.72B
Total Cash (Recent Filing)$96.13M
Total Debt (Recent Filing)$4.86B
Price to Earnings (P/E)12.1
Beta1.39
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. Volume153,077
30 Day Avg. Volume235,270
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 Cap2.17
Enterprise Value/Revenue2.66
Enterprise Value/Gross Profit4.15
Enterprise Value/Ebitda13.54
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
Strong Free Cash FlowEnova’s TTM free cash flow near $1.86B with FCF-to-net income ~0.98 is a durable strength: it funds originations, underwriting technology, and debt servicing internally, supports reinvestment and optionality through cycles, and reduces reliance on volatile external capital.
Robust Originations And SMB GrowthSustained origination growth (total +33% YoY) and SMB expansion (≈70% of portfolio) indicate structural demand and product-market fit in higher-quality small-business lending, diversifying credit exposure away from the riskier consumer book and supporting more stable revenue over time.
Expanded Funding Capacity And LiquidityMaterial liquidity (~$436M cash + $654M facility capacity) and recent warehouse upsizes increase funding flexibility, enabling sustained originations growth without immediate reliance on equity or volatile markets, and cushioning the business through funding cost cycles.
Bears Say
High LeverageLeverage at ~3.45x debt-to-equity materially raises sensitivity to funding cost increases and credit stress. In a credit-services business, elevated leverage limits strategic flexibility, amplifies earnings volatility when charge-offs rise, and can constrain capital allocation over multiple quarters.
Elevated Consumer Charge-offsPersistently high consumer net charge-offs (14.3%) and a consolidated 7.6% ratio create long-term earnings and capital variability. Such credit concentration requires higher loss reserves, forces tighter underwriting or pricier funding, and can blunt net margin durability if macro stress returns.
Margin Compression And Rising OpexMaterial margin compression and elevated marketing/operating spend (marketing ~22% of revenue) point to a structural trade-off between growth and profitability. If originations slow, sustained marketing intensity and higher funding costs could keep margins depressed for multiple quarters.
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 $90.87 and its highest was $176.68 in the past 12 months.
What is Enova International Inc.’s market cap?
Enova International Inc.’s market cap is $4.01B.
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 55 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
Neutral
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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 $7.5M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 0.2%
Last 30 Days ▲ 0.2%
Last 30 Days ▲ 0.2%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
70.20%
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, 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
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
5.46% Insiders
24.55% Mutual Funds
18.28% Other Institutional Investors
25.94% Public Companies and
Individual Investors