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ENVA Overview

-
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
174.650
Open
174.460
VWAP
170.97
Vol
55.27K
Mkt Cap
4.35B
Low
169.080
Amount
9.45M
EV/EBITDA(TTM)
11.02
Total Shares
24.88M
EV
9.09B
EV/OCF(TTM)
4.78
P/S(TTM)
2.40
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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Events Timeline

(ET)
2026-04-23
16:30:00
Company Reports Q1 Revenue of $875M Exceeding Expectations
select
2026-01-27 (ET)
2026-01-27
16:20:00
Enova Reports Q4 Revenue of $839M
select

News

PRnewswire
8.5
05-01PRnewswire
Small Businesses Shift Financing Patterns and Increase AI Adoption
  • Strong Small Business Confidence: The latest Small Business Cash Flow Trend Report indicates that 651 surveyed small businesses are maintaining robust growth momentum in 2026, reflecting their proactive investment strategies amidst economic challenges, thereby enhancing their market competitiveness.
  • Rising AI Adoption: Small business owners are increasingly leveraging AI technologies to optimize operations, as the report highlights that better data analytics and visibility into financial performance enable more informed decision-making, thus improving operational efficiency and adaptability.
  • Shifting Financing Patterns: Small business owners are increasingly bypassing traditional banks in favor of flexible financing options, indicating dissatisfaction with conventional financial services and a growing trust in emerging fintech solutions, which is expected to drive further innovation in the small business financing market.
  • Surge in Loan Applications: Over 3.69 million small business financing applications in the past 15 months demonstrate a sustained demand for loans, indicating a pressing need for capital and confidence among small businesses during the economic recovery phase.
Newsfilter
8.5
05-01Newsfilter
Small Business Financing Patterns Shift with Rising AI Adoption
  • Growth Expectations: According to the latest Small Business Cash Flow Trend Report, 93% of small businesses expect growth in the next year, with 32% anticipating significant growth, indicating strong confidence that could drive overall economic recovery.
  • Cash Flow Challenges: For the first time, small business owners identified cash flow as their top concern (31%), surpassing inflation (29%), highlighting the increasing importance of liquidity management in uncertain economic conditions, which may influence operational strategies.
  • Changing Financing Channels: Over 76% of small businesses are bypassing traditional banks for capital, marking an all-time high, reflecting their flexibility in financing methods and reliance on emerging financial services, which could lead to increased market share for fintech companies.
  • Continued AI Adoption: 58% of small businesses report using AI technologies, maintaining the upward trend seen in 2025, with 89% of users noting a positive impact on their business, indicating widespread recognition of AI's potential in enhancing operational efficiency and decision-making support.
seekingalpha
9.5
04-24seekingalpha
Enova International Reports Strong Q1 2026 Earnings with 33% Origination Growth
  • Significant Performance Growth: Enova International's Q1 2026 originations surged 33% year-over-year to nearly $2.3 billion, driving a 17% increase in revenue to a record $875 million, indicating robust market demand and business expansion capabilities.
  • Strong Small Business Lending: Small business originations rose 42% year-over-year to $1.7 billion, representing 70% of the company's overall loan portfolio, highlighting Enova's competitive strength in the small business sector and potential for further market share growth.
  • Stable Credit Metrics: The consolidated net charge-off ratio for Q1 fell to 7.6%, with small business charge-offs at 4.6% and consumer charge-offs at 14.3%, reflecting effective risk management and credit quality control, which enhances investor confidence.
  • Optimistic Outlook: The company expects total revenue for Q2 2026 to be 15% to 20% higher year-over-year, with adjusted EPS projected to increase by 20% to 25% compared to Q2 2025, demonstrating management's confidence in future performance and positive market expectations.
NASDAQ.COM
2.0
04-24NASDAQ.COM
Enova (ENVA) Q1 2026 Earnings Call Transcript
PRnewswire
9.5
04-23PRnewswire
Enova International Reports Strong Q1 2026 Financial Results with Strategic Acquisition Plans
  • Strong Financial Performance: Enova International reported Q1 2026 revenue of $875.142 million, a 17.4% increase year-over-year, demonstrating the company's robust growth potential in the financial services sector and solidifying its market position.
  • Net Income Growth: The company achieved a net income of $91.099 million, up 24.9% from $72.945 million in 2025, reflecting the effectiveness of its balanced growth strategy and enhanced risk management capabilities.
  • Loan Portfolio Expansion: As of March 31, 2026, Enova's total loans and finance receivables reached $5.872 billion, a 28.6% increase compared to the previous year, indicating the company's ongoing commitment to meeting the needs of small businesses and consumers.
  • Acquisition Plans Advancing: Enova expects to complete its acquisition of Grasshopper Bank in the second half of 2026, with integration planning underway aimed at achieving significant synergies through geographic expansion and lower funding costs, further driving sustainable growth for the company.
seekingalpha
9.5
04-22seekingalpha
Enova International Q1 Earnings Announcement Scheduled
  • Earnings Release Date: Enova International (ENVA) is set to announce its Q1 earnings on April 23rd after market close, with consensus EPS estimates at $3.68, reflecting a robust 23.5% year-over-year growth, indicating strong profitability and growth potential.
  • Revenue Expectations: The anticipated revenue for Q1 is $851.7 million, representing a 14.2% year-over-year increase, which underscores Enova's solid performance in the financial services sector and may further bolster investor confidence.
  • Historical Performance: Over the past two years, Enova has exceeded EPS estimates 100% of the time and revenue estimates 75% of the time, demonstrating consistency and reliability in financial performance, which could attract more investor interest.
  • Estimate Revision Dynamics: In the last three months, EPS estimates have seen four upward revisions and one downward revision, while revenue estimates experienced three upward and three downward revisions, reflecting varying market perceptions of the company's future performance that investors should closely monitor.
Wall Street analysts forecast ENVA stock price to rise
6 Analyst Rating
Wall Street analysts forecast ENVA stock price to rise
6 Buy
0 Hold
0 Sell
Strong Buy
Current: 0.000
sliders
Low
150.00
Averages
177.17
High
199.00
Current: 0.000
sliders
Low
150.00
Averages
177.17
High
199.00
Maxim
Buy
maintain
$191 -> $200
AI Analysis
2026-04-27
Reason
Maxim
Price Target
$191 -> $200
AI Analysis
2026-04-27
maintain
Buy
Reason
Maxim raised the firm's price target on Enova International (ENVA) to $200 from $191 and keeps a Buy rating on the shares. The firm cites the company's Q1 earnings beat, thanks to 2% growth in loan originations and solid credit quality, the analyst tells investors in a research note. Maxim adds that its assumed earnings multiple still represents a discount to the average of prominent online lenders like LendingClub (LC) and SoFi Technologies (SOFI).
Stephens
NULL
to
Overweight
maintain
$185 -> $210
2026-04-24
Reason
Stephens
Price Target
$185 -> $210
2026-04-24
maintain
NULL
to
Overweight
Reason
Stephens raised the firm's price target on Enova International to $210 from $185 and keeps an Overweight rating on the shares. The firm continues to recommend shares following a "beat/raise" report, the analyst tells investors.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for ENVA
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Valuation Metrics

The current forward P/E ratio for Enova International Inc (ENVA.N) is 10.07, compared to its 5-year average forward P/E of 7.27. For a more detailed relative valuation and DCF analysis to assess Enova International Inc's fair value, Click here.

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
5Y Average PE
7.27
Current PE
10.07
Overvalued PE
8.83
Undervalued PE
5.71

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
5Y Average EV/EBITDA
10.54
Current EV/EBITDA
7.50
Overvalued EV/EBITDA
12.41
Undervalued EV/EBITDA
8.68

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
5Y Average PS
0.76
Current PS
0.98
Overvalued PS
0.92
Undervalued PS
0.61

Financials

AI Analysis
Annual
Quarterly

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Whales Holding ENVA

P
Portolan Capital Management, LLC
Holding
ENVA
+16.97%
3M Return
A
Applied Finance Advisors, LLC
Holding
ENVA
+14.27%
3M Return
B
Bridgeway Capital Management, LLC
Holding
ENVA
+11.57%
3M Return
D
Divisadero Street Capital Management, LP
Holding
ENVA
+11.38%
3M Return
P
Punch & Associates Investment Management, Inc.
Holding
ENVA
+6.99%
3M Return
C
CX Institutional, LLC
Holding
ENVA
+5.63%
3M Return

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Frequently Asked Questions

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

The current price of ENVA is 169.19 USD — it has decreased -3.26

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.

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 is177.17 USD with a low forecast of 150.00 USD and a high forecast of 199.00 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.

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

Enova International Inc revenue for the last quarter amounts to 528.96M USD, increased 24.12

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 3.46 USD, increased 28.62

How many employees does Enova International Inc (ENVA). have?

Enova International Inc (ENVA) has 1836 emplpoyees as of May 11 2026.

What is Enova International Inc (ENVA) market cap?

Today ENVA has the market capitalization of 4.35B USD.