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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$99.61 - $246.38
Previous CloseN/A
Volume27.48K
Average Volume (3M)425.12K
Market Cap
$5.54B
Enterprise Value$8.02K
Total Cash (Recent Filing)$122.23M
Total Debt (Recent Filing)$5.01B
Price to Earnings (P/E)15.2
Beta1.37
Next Earnings
Oct 22, 2026EPS Estimate
4.42Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)14.29
Shares Outstanding24,884,895
10 Day Avg. Volume308,690
30 Day Avg. Volume425,118
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
$255.40Price Target Upside56.87% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering5
EPS Forecast (FY)16.45
Revenue Forecast (FY)$3.78B
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow And Cash ConversionEnova’s operating and free cash flow have scaled materially and track net income (~0.94–0.98x), indicating high cash conversion and earnings quality. Durable FCF supports organic growth, securitization funding, buybacks or acquisition financing and provides resilience through credit/funding cycles.
Consistent Originations And Revenue GrowthSustained high-originations growth (11 quarters of 20%+ YoY) and portfolio expansion (receivables +28% to $5.5B) reflect scalable demand and distribution strength. A growing SMB mix and diversified product set improve revenue durability and reduce dependence on single-channel growth over the medium term.
Stable Unit Economics And Underwriting AdvantageA persistent ~115% fair value premium and proprietary underwriting/data analytics imply resilient unit economics and pricing power versus peers. Stable risk-return metrics support sustained profitability per loan, enabling competitive originations while absorbing cyclical credit variability over a multi-quarter horizon.
Bears Say
Elevated Balance-sheet LeverageDebt-to-equity surge to ~3.4x materially increases sensitivity to funding costs and credit stress. High leverage constrains flexibility for opportunistic investments, raises refinancing and interest-rate risk, and magnifies earnings swings if charge-offs or funding spreads widen during adverse conditions.
Margin Compression And Earnings VolatilitySignificant margin deterioration versus prior years and lower TTM net income despite revenue growth indicate structural pressure from higher marketing, funding costs or credit losses. Sustained margin compression reduces internal buffers, limits reinvestment, and increases the importance of credit and pricing execution.
Regulatory And Execution Risk On Bank AcquisitionThe Grasshopper Bank deal is a structural strategic move but depends on regulatory approvals and execution. Delay, conditional approvals, or remediation could postpone the expected >25% EPS accretion, incur additional costs, or change deal economics, adding medium-term execution and regulatory uncertainty.
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 $5.54B.
When is Enova International Inc.’s upcoming earnings report date?
Enova International Inc.’s upcoming earnings report date is Oct 22, 2026 which is in 89 days.
How were Enova International Inc.’s earnings last quarter?
Enova International Inc. 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 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 4.42.
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 $4.31 in its last earnings report, beating expectations of $3.963. Following the earnings report the stock price went same N/A.
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:
$255.40 (56.87% Upside)
$255.40 (56.87% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 70%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 26.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $26.6M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 0.6%
Last 30 Days ▲ 12.3%
Last 30 Days ▲ 12.3%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
85.15%
12-Months-Change
Fundamentals
Return on Equity
―
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
$255.40
▲(56.87% Upside)
Technical Analysis
Ownership Overview
5.30% Insiders
25.47% Mutual Funds
0.59% Other Institutional Investors
41.98% Public Companies and
Individual Investors