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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$115.06 - $267.45
Previous CloseN/A
Volume198.49K
Average Volume (3M)399.68K
Market Cap
$4.04B
Enterprise Value$9.33B
Total Cash (Recent Filing)$105.96M
Total Debt (Recent Filing)$5.41B
Price to Earnings (P/E)10.7
Beta1.36
Next Earnings
Feb 04, 2027EPS Estimate
4.62Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)15.38
Shares Outstanding24,898,370
10 Day Avg. Volume305,958
30 Day Avg. Volume399,684
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 Cap2.31
Enterprise Value/Revenue2.90
Enterprise Value/Gross Profit3.78
Enterprise Value/Ebitda10.19
Forecast
1Y Price Target
$254.57Price Target Upside4.59% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering7
EPS Forecast (FY)17.28
Revenue Forecast (FY)$3.86B
Bulls Say, Bears Say
Bulls Say
Broad-based GrowthGrowth is broad across lending activity, receivables, revenue and earnings rather than concentrated in one metric. The 12th consecutive quarter of at least 20% originations growth indicates sustained customer demand and supports continued operating scale over the coming quarters.
Strong Cash GenerationMaterially higher free cash flow, with conversion closely tracking reported earnings, indicates that profitability is translating into cash. This supports funding for loan growth, liquidity needs, technology investment and shareholder returns while strengthening financial resilience.
Funding FlexibilitySubstantial liquidity and expanded borrowing capacity provide flexibility to fund receivables and manage the lending cycle. Successful securitization execution and lower cost of funds also support continued portfolio growth while improving visibility into near-term financing availability.
Bears Say
Elevated LeverageRising leverage makes Enova more sensitive to funding conditions, credit losses and changes in portfolio performance. A debt-heavy balance sheet can also constrain capital allocation and reduce flexibility if lending conditions weaken or securitization markets become less supportive.
Delinquency PressureHigher delinquencies are an early credit-quality warning for a lender because they can precede charge-offs, provisions and weaker net revenue. Although management cited seasonality, continued deterioration would pressure earnings and increase the capital needed to support portfolio expansion.
Margin And Expense NormalizationNormalization in consumer net revenue margin and a higher expense ratio could reduce operating leverage even as revenue grows. If marketing and operating costs remain elevated while pricing benefits fade, earnings growth may lag originations and make profitability more variable.
Enova International News
ENVA FAQ
What was Enova International’s price range in the past 12 months?
Enova International lowest stock price was $115.06 and its highest was $267.45 in the past 12 months.
What is Enova International’s market cap?
Enova International’s market cap is $4.04B.
When is Enova International’s upcoming earnings report date?
Enova International’s upcoming earnings report date is Feb 04, 2027 which is in 103 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 24,898,370 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?
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
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3
4
5
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7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$254.57 (4.59% Upside)
$254.57 (4.59% Upside)
Blogger Sentiment
Bullish
ENVA Sentiment 100%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Increased
By 180.7K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▼ 0.8%
Last 30 Days ▲ 2.0%
Last 30 Days ▲ 2.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
55.13%
12-Months-Change
Fundamentals
Return on Equity
26.36%
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
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive, with record revenue, broad-based originations and portfolio growth, improving consolidated credit performance, substantial adjusted EPS growth, strong liquidity, successful funding execution and continued share repurchases. The company also provided positive fourth-quarter revenue and EPS guidance. Offsetting items included higher operating and marketing expense ratios, an increase in delinquencies, expected normalization of the consumer net revenue margin, moderation in consumer growth from current levels, and macroeconomic uncertainty.View all ENVA earnings summariesENVA Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
$254.57
▲(4.59% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
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Ownership Overview
5.30% Insiders
25.45% Mutual Funds
1.54% Other Institutional Investors
40.70% Public Companies and Individual Investors







