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ENVA Overview

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$
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
166.035
Open
161.840
VWAP
164.32
Vol
171.17K
Mkt Cap
4.12B
Low
161.700
Amount
28.13M
EV/EBITDA(TTM)
10.85
Total Shares
24.95M
EV
8.55B
EV/OCF(TTM)
4.70
P/S(TTM)
2.41
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)
2026-01-27
16:20:00
Enova Reports Q4 Revenue of $839M
select
2025-12-11 (ET)
2025-12-11
07:20:00
Enova International Acquires Grasshopper Bancorp in $369M Deal
select

News

Yahoo Finance
6.5
04-20Yahoo Finance
Investment Analysis of Financial Sector Stocks
  • Market Performance Analysis: The financial sector's 2.2% return over the past six months lags the S&P 500 by 2.3 percentage points, indicating that economic uncertainty is dampening market sentiment, prompting investors to be cautious in their selections.
  • MarketAxess Stock Evaluation: MarketAxess (MKTX) has a market cap of $6.01 billion, with a mere 4.2% annual revenue growth over the past five years and a 1.3% annual decline in earnings per share, suggesting insufficient profitability and advising investors to steer clear.
  • NerdWallet Investment Opportunity: NerdWallet (NRDS), with a market cap of $731.3 million, boasts an impressive 27.8% annual revenue growth over the last five years, enhanced by share buybacks that boosted earnings per share, currently trading at $10.92 with a forward P/E of 7.9, making it a stock to watch.
  • Enova Stock Potential: Enova (ENVA), valued at $4.06 billion, has achieved a 23.8% annual revenue growth over the past five years and a remarkable 38% annual earnings per share growth, indicating strong financial performance, currently priced at $162.81 with a forward P/E of 9.9, making it a worthy investment consideration.
PRnewswire
9.5
04-09PRnewswire
Enova International to Release Q1 2026 Financial Results
  • Earnings Release Schedule: Enova International will release its Q1 2026 financial results after market close on April 23, 2026, reflecting its ongoing performance and growth in the financial services sector.
  • Conference Call Details: The company will host a conference call at 5 p.m. Eastern Time on the same day to discuss its financial results, which is expected to attract investor interest and bolster market confidence.
  • Investor Relations Platform: Investors can access the earnings report and supplemental financial information through Enova's Investor Relations website, enhancing transparency and strengthening communication with stakeholders.
  • Company Background: Over the past 20 years, Enova has provided more than $67 billion in loans to over 14 million customers, demonstrating its strong capability in serving customer segments underserved by traditional banks.
Yahoo Finance
8.5
04-04Yahoo Finance
Analysis of High-Potential Stocks in Russell 2000
  • Limbach Growth Potential: Limbach (NASDAQ: LMB) achieved an impressive 11.9% annual revenue growth over the past two years, indicating significant market share gains, while its earnings per share grew by 46.5% annually, surpassing revenue growth and reflecting enhanced profitability.
  • Sezzle Market Performance: Sezzle (NASDAQ: SEZL) reported a remarkable 68.1% annual revenue growth over the last two years, showcasing its expanding market share among younger consumers, with a staggering 323% annual earnings per share growth that far exceeded revenue increases, highlighting its strong profitability.
  • Enova Financial Health: Enova International (NYSE: ENVA) experienced a 23.8% annual revenue growth over the past five years, and its stock buybacks propelled a 38% annual earnings per share growth, demonstrating robust profitability, while a 16.1% annual book value growth strengthened its balance sheet.
  • Investment Timing Analysis: Limbach, Sezzle, and Enova are currently trading at forward P/E ratios of 17.8x, 13.6x, and 8.7x respectively, indicating reasonable valuations in their respective sectors, potentially offering investors a favorable entry point.
NASDAQ.COM
2.0
03-30NASDAQ.COM
Positive Outlook for Consumer Loan Industry Amid Lower Rates
  • Interest Rates & Loan Demand: The Federal Reserve has cut interest rates by 175 basis points since 2024, and while further cuts are unlikely due to the Middle East conflict, low rates are expected to sustain stable growth in consumer loan demand, driving overall industry revenue growth.
  • Easing Lending Standards: Since 2018, major credit reporting agencies have removed all tax liens from consumer credit reports, improving consumer credit scores and expanding the borrower base, which helps loan providers meet increasing loan demand.
  • Asset Quality Challenges: While lower interest rates assist borrowers in making timely repayments, ongoing macroeconomic and geopolitical pressures may lead to inflation, affecting borrowers' repayment capacity, prompting loan providers to set aside more funds for potential delinquent loans.
  • Strong Industry Performance: The Zacks Consumer Loans industry has impressively risen by 45.3% over the past two years, significantly outperforming the S&P 500's 29.7% and the Finance sector's 24.3%, indicating robust potential for the industry amid economic recovery.
Yahoo Finance
4.5
03-23Yahoo Finance
US-Iran Tensions Ease, Boosting Stock Market Rally
  • Market Rally: President Trump announced ongoing negotiations to ease hostilities with Iran, resulting in a significant stock market surge, with major indices like the S&P 500 and Dow sharply rising, creating a 'risk-on' environment favorable to financial firms.
  • Asset Management Gains: The rise in equity values boosts the assets under management (AUM) for asset management firms, a key performance metric, as seen with Evercore (EVR) jumping 3.2%, highlighting the positive impact on the investment banking sector.
  • Energy Price Drop: The easing of tensions led to a more than 7% drop in Brent crude oil prices, which not only affects the energy sector but also potentially lowers costs for consumers, further enhancing market sentiment.
  • Payoneer Volatility: Payoneer (PAYO) shares rose 7.5%, despite an 11.7% decline year-to-date, indicating that today's market movement is significant, although it may not fundamentally alter perceptions of the company's business outlook.
Yahoo Finance
8.5
03-15Yahoo Finance
Analysis of Enova International's Acquisition of Grasshopper Bank
  • Acquisition Strategy: Enova International's acquisition of Grasshopper Bank is expected to enhance adjusted EPS by over 15% in the first year post-close, significantly boosting the company's profitability and competitive position in the fintech sector.
  • Financial Performance: As of March 12, ENVA's share price was $135.41, with trailing and forward P/E ratios of 12.11 and 8.86 respectively, indicating strong profitability and attractive valuation metrics that draw investor interest.
  • Synergy Potential: The acquisition is projected to yield approximately $360 million in net synergies by Year 3, sufficient to recoup the $369 million purchase price within two years, thereby improving the company's capital structure and funding economics.
  • Market Outlook: Despite risks such as regulatory approvals and integration complexities, Enova's proven track record in executing large-scale acquisitions, notably OnDeck, suggests a strong capability for sustainable growth in the future.
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
TD Cowen
Buy
to
Buy
downgrade
$185 -> $165
AI Analysis
2026-03-31
Reason
TD Cowen
Price Target
$185 -> $165
AI Analysis
2026-03-31
downgrade
Buy
to
Buy
Reason
TD Cowen lowered the firm's price target on Enova International to $165 from $185 and keeps a Buy rating on the shares. The firm adjusted price targets in the consumer finance group as part of a Q1 preview. Macro environment uncertainty has increased due to concerns about AI on employment and geopolitics, the analyst tells investors in a research note. TD believes higher gas prices will be a headwind to low-income consumers. Competition has remained elevated in auto lending, adds the firm. Its top picks are Capital One (COF), SLM (SLM) and Affirm (AFRM).
Maxim
NULL -> Buy
maintain
$150 -> $191
2026-01-29
Reason
Maxim
Price Target
$150 -> $191
2026-01-29
maintain
NULL -> Buy
Reason
Maxim raised the firm's price target on Enova International to $191 from $150 and keeps a Buy rating on the shares. The company's Q4 earnings beat was driven by 15% growth in loan originations and solid credit quality, the analyst tells investors in a research note.
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 10.34, compared to its 5-year average forward P/E of 7.24. 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
7.24
Current PE
10.34
Overvalued PE
8.77
Undervalued PE
5.72

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
11.00
Current EV/EBITDA
8.18
Overvalued EV/EBITDA
12.58
Undervalued EV/EBITDA
9.42

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
0.77
Current PS
0.96
Overvalued PS
0.92
Undervalued PS
0.61

Financials

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Whales Holding ENVA

A
Applied Finance Advisors, LLC
Holding
ENVA
+9.35%
3M Return
B
Bridgeway Capital Management, LLC
Holding
ENVA
+8.36%
3M Return
P
Punch & Associates Investment Management, Inc.
Holding
ENVA
+6.47%
3M Return
E
Empyrean Capital Partners, LP
Holding
ENVA
+5.46%
3M Return
C
CX Institutional, LLC
Holding
ENVA
+3.38%
3M Return
D
Divisadero Street Capital Management, LP
Holding
ENVA
+1.76%
3M Return

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Frequently Asked Questions

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

The current price of ENVA is 165.23 USD — it has increased 1.49

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 501.89M USD, increased 21.51

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 2.99 USD, increased 30.00

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

Enova International Inc (ENVA) has 1836 emplpoyees as of April 21 2026.

What is Enova International Inc (ENVA) market cap?

Today ENVA has the market capitalization of 4.12B USD.