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Enova International, Inc.
ENVA
NYSE·Financial Services·Financial - Credit Services·Mkt cap $6.0B
$232.01
▼ -4.20%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$99.61 - $246.38
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 109.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Proprietary machine learning and advanced analytics for credit decisioning and risk assessment
- Diversified lending platforms serving multiple customer segments and geographies
- Established bank partnerships enabling scalable CSO and loan servicing revenue streams
- Technology infrastructure enabling rapid loan origination and personalized pricing
Bear Case
2 risks
- Average volatility.
- Premium valuation to Specialty Finance peers
Growth
Moderate growth ahead
Expansion of near-prime consumer lending market as traditional banks retreat
Value
Premium valuation to Specialty Finance peers
Momentum
Hot
+76.9% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
None
No dividend
Smart-money signal
Who's buying ENVA right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Jul 23, 2026
APR 23, 2026
Reported EPS of $3.87 vs $3.66 consensus (+5.7% surprise). Revenue of $875.1M vs $851.7M expected (+2.8%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+5.7%
Next: Jul 23, 2026
Revenue trend · last 8Q
—
—
+25%
+9%
+22%
+16%
+15%
+17%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$628.4M
$689.9M
$729.6M
$745.5M
$764.0M
$802.7M
$839.4M
$875.1M
Margins · last 8Q
Gross
—
Operating
23.7%
Profit
10.4%
Wall Street consensus
6 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
$205.00
▼ -11.6% vs $232.01
Latest: BTIG · Jun 30, 2026
2 analysts covering