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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)260.94K
Market Cap
$5.58B
Enterprise Value$10.91K
Total Cash (Recent Filing)$122.23M
Total Debt (Recent Filing)$5.05B
Price to Earnings (P/E)15.6
Beta1.31
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. Volume230,142
30 Day Avg. Volume260,938
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 Upside12.65% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering6
EPS Forecast (FY)17.34
Revenue Forecast (FY)$3.87B
Bulls Say, Bears Say
Bulls Say
Strong Growth OutlookRaised revenue and adjusted EPS guidance, supported by strong originations and receivables growth, indicates durable demand for Enova’s digital lending products. Continued scale can improve operating leverage, strengthen market position, and support earnings growth over the next several quarters.
Strong Cash GenerationHigh free cash flow and close conversion of earnings into cash provide internal funding capacity for loan growth, technology investment, and debt management. This cash generation also gives Enova greater resilience when credit conditions or external financing markets become less favorable.
Expanded Funding AccessThe proposed securitization demonstrates continued institutional access to capital for Enova’s small-business lending platform. Recycling loan receivables into funding can support originations, diversify financing sources, and help sustain growth while matching capital availability to portfolio expansion.
Bears Say
High Balance-sheet LeverageLeverage has risen materially as debt increased alongside assets, reducing financial flexibility and increasing sensitivity to funding costs and credit losses. A highly leveraged balance sheet can constrain capital allocation and make performance more vulnerable if repayment trends deteriorate.
Margin And Earnings PressureDespite continued revenue growth, substantial margin compression and lower TTM net income indicate that scale has not translated consistently into stronger bottom-line performance. Persistent pressure could limit reinvestment capacity and make future earnings more dependent on operating discipline.
Elevated Consumer Credit RiskImprovement in consumer charge-offs is encouraging, but the remaining 12.8% loss rate reflects meaningful credit risk in a core lending segment. Elevated losses can reduce loan economics, increase provisions, and pressure cash generation if borrower payment performance weakens.
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 $5.58B.
When is Enova International’s upcoming earnings report date?
Enova International’s upcoming earnings report date is Oct 22, 2026 which is in 40 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:
$274.17 (12.65% Upside)
$274.17 (12.65% 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
Very Positive
Last 7 Days ▲ 0.1%
Last 30 Days ▲ 3.9%
Last 30 Days ▲ 3.9%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
93.51%
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
$274.17
▲(12.65% 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
26.84% Public Companies and Individual Investors