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Enova International (ENVA) Stock Price & Analysis

ENVA Stock Chart & Stats

$174.09-$6.95(-3.84%)
At close: 4:00 PM EDT
$175$200$225$2503 Aug17 Aug31 Aug14 Sep28 Sep12 Oct26 Oct
Day’s Range
$172.53 - $178.40
52-Week Range
$118.28 - $267.45
Previous Close
$181.04
Volume
198.49K
Average Volume (3M)
346.48K
Market Cap
$4.26B
Enterprise Value
$9.33B
Total Cash (Recent Filing)
$105.96M
Total Debt (Recent Filing)
$5.41B
Price to Earnings (P/E)
11.3
Beta
1.34
Next Earnings
Feb 04, 2027 (Est.)
EPS Estimate
4.62
Next Dividend Ex-Date
N/A
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Broad-Based Growth

Broad-based growth across originations, receivables, revenue and earnings indicates expanding demand rather than reliance on a single product. The 12th consecutive quarter of at least 20% originations growth supports sustained platform adoption and creates a larger base for future earnings generation.

Strong Cash Generation

Large, earnings-backed free cash flow is a durable strength for a lender because it supports funding, investment and shareholder returns without relying entirely on new external capital. The close relationship between free cash flow and net income also supports confidence in reported earnings quality.

Expanded Funding Capacity

A larger secured credit facility improves Enova's ability to fund receivables and manage liquidity as its loan portfolio expands. The amendment also demonstrates continued lender participation in its asset-backed structure, supporting operational flexibility and the scalability of its online lending model.

Bears Say

Elevated Leverage

Rising leverage increases Enova's sensitivity to funding conditions, interest costs and deterioration in borrower performance. Although equity and returns have grown, the larger debt burden can reduce financial flexibility and make portfolio or economic stress more consequential for future earnings.

Credit And Delinquency Risk

Higher delinquencies can precede increased charge-offs, provisions and pressure on loan economics, particularly in a business whose profitability depends on repayment performance. Seasonal consumer effects were cited, but the increase still warrants monitoring as receivables and originations continue to expand.

Margin And Expense Volatility

Margin volatility limits the predictability of Enova's earnings power even while revenue grows. The expected normalization of consumer margins, together with elevated operating and marketing expenses, could restrain operating leverage and reduce the portion of incremental revenue that converts into profit.

Enova International News

ENVA FAQ

What was Enova International’s price range in the past 12 months?
Enova International lowest stock price was $118.28 and its highest was $267.45 in the past 12 months.
What is Enova International’s market cap?
Enova International’s market cap is $4.26B.
When is Enova International’s upcoming earnings report date?
Enova International’s next earnings report is estimated for Feb 04, 2027 (not yet confirmed), which is in 94 days.
How were Enova International’s earnings last quarter?
Enova International released its earnings results on Oct 22, 2026. The company reported $4.48 earnings per share for the quarter, beating the consensus estimate of $4.417 by $0.063.
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 4.62.
How many shares outstanding does Enova International have?
Enova International has 24,460,077 shares outstanding.
What happened to Enova International’s price movement after its last earnings report?
Enova International reported an EPS of $4.48 in its last earnings report, beating expectations of $4.417. Following the earnings report the stock price went down -6.624%.
Which hedge fund is a major shareholder of Enova International?
Hedge funds hold Enova International shares: the largest hedge-fund position in Enova International is 71,884,818 shares, and hedge funds increased their holdings by 285.2K shares last quarter.
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