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  3. ENVA
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ENVA

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    Overview
    Forecast
    Valuation
    Earnings
High
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Amount
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EV/EBITDA(TTM)
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Financial AI Agent
Financial AI Agent

Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
837.35M
+14.78%
3.177
+21.73%
851.66M
+14.23%
3.445
+15.6%
883.62M
+15.65%
3.813
+18.06%
Estimates Revision
The market is revising Downward the revenue expectations for Enova International, Inc. (ENVA) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by 13.31%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.89%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+5.24%
In Past 3 Month
Stock Price
Go Up
up Image
+13.31%
In Past 3 Month
Wall Street analysts forecast ENVA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ENVA is 145.75 USD with a low forecast of 140.00 USD and a high forecast of 150.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Analyst Rating
Wall Street analysts forecast ENVA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ENVA is 145.75 USD with a low forecast of 140.00 USD and a high forecast of 150.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Buy
0 Hold
0 Sell
Strong Buy
Current: 136.160
sliders
Low
140.00
Averages
145.75
High
150.00
Current: 136.160
sliders
Low
140.00
Averages
145.75
High
150.00
Citizens JMP
David Scharf
Outperform
maintain
$135 -> $149
2025-10-24
Reason
Citizens JMP
David Scharf
Price Target
$135 -> $149
2025-10-24
maintain
Outperform
Reason
Citizens JMP analyst David Scharf raised the firm's price target on Enova International to $149 from $135 and keeps an Outperform rating on the shares. The firm is "very constructive" on the shares after Enova reported another quarter of greater than 20% originations growth. The company is seeing "industry-leading" growth, benign competition within its products, and as significant excess liquidity, the analyst tells investors in a research note. Citizens sees a "valuation disconnect" at current share levels.
BTIG
Vincent Caintic
Buy
maintain
$129 -> $144
2025-10-24
Reason
BTIG
Vincent Caintic
Price Target
$129 -> $144
2025-10-24
maintain
Buy
Reason
BTIG analyst Vincent Caintic raised the firm's price target on Enova International to $144 from $129 and keeps a Buy rating on the shares. The company posted yet another quarter at-or-better than its guidance ranges, with adjusted EPS beating consensus by 12%, driven by better operating expenses with marketing and G&A expenses better than long term guidance, the analyst tells investors in a research note. Incremental to prior quarters' commentary is Enova's view that growth opportunities in both subprime consumer lending and small business lending are accelerating, BTIG added.
Seaport Research
NULL -> Buy
initiated
$124
2025-05-14
Reason
Seaport Research
Price Target
$124
2025-05-14
initiated
NULL -> Buy
Reason
Maxim Group
Michael Diana
Strong Buy
Maintains
$108 → $138
2025-02-06
Reason
Maxim Group
Michael Diana
Price Target
$108 → $138
2025-02-06
Maintains
Strong Buy
Reason
Maxim raised the firm's price target on Enova International (ENVA) to $138 from $108 and keeps a Buy rating on the shares. The company's Q4 EBITDA and EPS topped estimates, while its FY25 outlook implies results above the firm's previous estimates, mainly due to stronger loan growth expected in the second half of the year, the analyst tells investors in a research note. The stock is also trading at a discount to prominent online lender Lending Club (LC), the firm added.
JMP Securities
David Scharf
Buy
Maintains
$125 → $135
2025-02-05
Reason
JMP Securities
David Scharf
Price Target
$125 → $135
2025-02-05
Maintains
Buy
Reason
BTIG
Vincent Caintic
Strong Buy
Maintains
$122 → $129
2025-02-05
Reason
BTIG
Vincent Caintic
Price Target
$122 → $129
2025-02-05
Maintains
Strong Buy
Reason
See All Ratings

Valuation Metrics

The current forward P/E ratio for Enova International Inc (ENVA.N) is 9.66, compared to its 5-year average forward P/E of 6.92. For a more detailed relative valuation and DCF analysis to assess Enova International Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Overvalued
5Y Average PE
6.92
Current PE
9.66
Overvalued PE
8.44
Undervalued PE
5.39

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
Undervalued EV/EBITDA

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.76
Current PS
0.00
Overvalued PS
0.92
Undervalued PS
0.61
AI Stock Picker
AI Stock Picker

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Intellectia AI SwingMax
Intellectia AI SwingMax

ENVA News & Events

Events Timeline

(ET)
2025-11-12
16:17:34
Enova International Launches $400 Million Stock Buyback Initiative
select
2025-10-23 (ET)
2025-10-23
16:18:03
Enova International announces Q3 adjusted EPS of $3.36, surpassing consensus estimate of $3.03.
select
2025-07-24 (ET)
2025-07-24
16:28:19
Enova International announces planned CEO and CFO changes
select
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
4.0
12-02Benzinga
Increasing Demand for Hardship Loans and Its Implications for Consumer-Finance Stocks in 2025

  • Increasing Hardship Loan Demand: There is a rising demand for hardship loans as households face budget pressures and limited access to traditional credit, indicating growing consumer financial stress and potential shifts in the lending landscape.

  • Performance of OneMain Holdings: OneMain Holdings reported a 9% revenue increase to $1.6 billion in Q3, driven by higher portfolio yield and strong credit performance, while managing risks associated with non-prime borrowers.

  • Enova International's Growth: Enova International experienced a 16% revenue growth to $803 million in Q3, with a focus on credit-constrained consumers, reflecting strong demand and operational efficiency in the alternative lending market.

  • Market Outlook and Investor Considerations: The lending environment remains volatile, but with effective risk management and operational efficiency, non-prime lenders like OneMain and Enova have the potential to capture market share and thrive in the evolving consumer finance sector.

[object Object]
Preview
8.0
11-16Yahoo Finance
Should Investors Take Action Following Enova International's (ENVA) $400 Million Buyback Authorization?

  • Share Repurchase Program: Enova International's Board of Directors has authorized a new share repurchase program allowing the company to buy back up to $400 million of its common stock through June 30, 2027, reflecting confidence in the company's outlook.

  • Earnings Growth and Regulatory Risks: The company's recent earnings report showed revenue growth and increased net income, but ongoing regulatory risks remain a significant concern for investors, potentially impacting sentiment and risk assessments.

  • Future Revenue Projections: Enova anticipates reaching $5.7 billion in revenue and $426.8 million in earnings by 2028, assuming a 60.7% annual growth rate, with a fair value estimate suggesting a 12% upside from its current price.

  • Investment Analysis Resources: Simply Wall St provides a comprehensive analysis of Enova International, highlighting key rewards and warning signs for potential investors, while emphasizing that their commentary is not financial advice.

[object Object]
Preview
8.0
11-13Newsfilter
ENOVA UNVEILS $400 MILLION SHARE BUYBACK INITIATIVE

  • New Share Repurchase Program: Enova International has authorized a $400 million share repurchase program, the largest in its history, which will replace the existing $300 million program set to expire at the end of 2025.

  • Financial Strength and Commitment: The company's CFO emphasized the strong business model and financial flexibility that support long-term shareholder value through investments and share repurchases.

  • Repurchase Conditions: The share repurchase will be conducted in compliance with securities laws and does not obligate the company to buy any specific amount of shares, with the Board having the discretion to modify the program.

  • Company Overview: Enova International is a financial services provider that has issued over $65 billion in loans to more than 13 million customers, focusing on underserved markets with advanced analytics and technology.

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FAQ

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What is Enova International Inc (ENVA) stock price today?

The current price of ENVA is 136.16 USD — it has increased 0.56 % in the last trading day.

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What is Enova International Inc (ENVA)'s business?

Enova International, Inc. is an online financial services company that serves small businesses and consumers. The Company's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. It provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender.

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What is the price predicton of ENVA Stock?

Wall Street analysts forecast ENVA stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ENVA is 145.75 USD with a low forecast of 140.00 USD and a high forecast of 150.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Enova International Inc (ENVA)'s revenue for the last quarter?

Enova International Inc revenue for the last quarter amounts to 460.71M USD, increased 15.07 % YoY.

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What is Enova International Inc (ENVA)'s earnings per share (EPS) for the last quarter?

Enova International Inc. EPS for the last quarter amounts to 3.03 USD, increased 92.99 % YoY.

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What changes have occurred in the market's expectations for Enova International Inc (ENVA)'s fundamentals?

The market is revising Downward the revenue expectations for Enova International, Inc. (ENVA) for FY2025, with the revenue forecasts being adjusted by -0.89% over the past three months. During the same period, the stock price has changed by 13.31%.
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How many employees does Enova International Inc (ENVA). have?

Enova International Inc (ENVA) has 1787 emplpoyees as of December 05 2025.

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What is Enova International Inc (ENVA) market cap?

Today ENVA has the market capitalization of 3.38B USD.

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