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ENVA Stock Chart & Stats
$243.39
$8.38(3.53%)
At close: 4:00 PM EDT
$243.39
$8.38(3.53%)
Day’s Range― - ―
52-Week Range$103.02 - $267.45
Previous CloseN/A
Volume198.49K
Average Volume (3M)255.82K
Market Cap
$5.56B
Enterprise Value$10.91K
Total Cash (Recent Filing)$122.23M
Total Debt (Recent Filing)$5.05B
Price to Earnings (P/E)15.6
Beta1.32
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. Volume236,048
30 Day Avg. Volume255,821
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
$268.00Price Target Upside10.11% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)17.34
Revenue Forecast (FY)$3.87B
Bulls Say, Bears Say
Bulls Say
Sustained Lending GrowthStrong, repeated growth in originations and receivables indicates durable demand for Enova’s digital lending products and expanding market reach. Scale can support operating leverage, deepen data advantages in underwriting, and provide a foundation for continued revenue growth over the next several quarters.
Strong Cash GenerationHigh free-cash-flow conversion supports the quality of reported earnings and gives Enova internal capacity to fund lending growth, manage obligations, repurchase shares, and absorb credit volatility. This cash-generation profile is a durable financial strength rather than a purely accounting-driven result.
Improving Funding PlatformExpanded and longer-dated funding capacity, together with a lower borrowing spread, strengthens Enova’s ability to originate and hold receivables. More reliable financing can improve balance-sheet flexibility, support customer growth, and protect lending economics when capital markets are less favorable.
Bears Say
Elevated LeverageThe substantial rise in leverage reduces financial flexibility and makes results more sensitive to credit losses, funding costs, and changes in receivable performance. Although returns on equity are strong, elevated debt increases the consequences of weaker underwriting or tighter financing conditions.
High Consumer Credit LossesThe improvement in consumer charge-offs is encouraging, but a 12.8% loss rate remains a meaningful burden for a lender serving borrowers underserved by traditional banks. Persistently high losses can pressure provisions, margins, and cash available for growth if credit trends deteriorate.
Grasshopper Acquisition WithdrawnAbandoning the bank acquisition removes the expected path to Grasshopper’s planned strategic and earnings benefits and leaves Enova without the potential advantages of bank status. The decision also highlights continuing regulatory uncertainty around its long-term expansion plans, even though current guidance was reaffirmed.
Enova International News
ENVA FAQ
What was Enova International’s price range in the past 12 months?
Enova International lowest stock price was $103.02 and its highest was $267.45 in the past 12 months.
What is Enova International’s market cap?
Enova International’s market cap is $5.56B.
When is Enova International’s upcoming earnings report date?
Enova International’s upcoming earnings report date is Oct 22, 2026 which is in 37 days.
How were Enova International’s earnings last quarter?
Enova International 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 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 4.49.
How many shares outstanding does Enova International have?
Enova International has 24,898,370 shares outstanding.
What happened to Enova International’s price movement after its last earnings report?
Enova International 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?
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:
$268.00 (10.11% Upside)
$268.00 (10.11% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 88%
Sector Average 58%
Sector Average 58%
Hedge Fund Trend
Increased
By 180.7K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $17.9M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Negative
Last 7 Days ▼ 0.5%
Last 30 Days ▼ 0.7%
Last 30 Days ▼ 0.7%
News Sentiment
Very Bullish
Bullish news 83%
Bearish news 17%
Bearish news 17%
Technicals
SMA
Positive
20 days / 200 days
Momentum
90.22%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
26.16%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Enova International
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
$268.00
▲(10.11% 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
15.81% Other Institutional Investors
26.81% Public Companies and Individual Investors