Enova International, Inc.
ENVA
NYSE·Financial Services·Financial - Credit Services·Mkt cap $5.6B
$232.05
▲ +2.27%
P/E
16.93
Mkt Cap
$5.6B
52-Wk Range
$103.02–$267.45
52-Week Range
$103.02 - $267.45
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 89.1% 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
+42.8% over 3m
Quality
Excellent
Excellent business quality
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: Oct 22, 2026
JUL 23, 2026
Reported EPS of $4.31 vs $3.99 consensus (+8.0% surprise). Revenue of $928.9M vs $909.6M expected (+2.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+8.0%
Revenue trend · last 8Q
—
+25%
+9%
+22%
+16%
+15%
+17%
+22%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$689.9M
$729.6M
$745.5M
$764.0M
$802.7M
$839.4M
$875.1M
$928.9M
Margins · last 8Q
Gross
-93.3%
Operating
25.5%
Profit
-9.8%
Wall Street consensus
8 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Seaport Global · Jul 27, 2026
vs Industry
How ENVA stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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