ENVA
Enova International Inc
$
110.235
- Overview
- Forecast
- Valuation
- Earnings
Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
111.200
Open
110.000
VWAP
110.20
Vol
180.45K
Mkt Cap
2.73B
Low
109.420
Amount
19.89M
EV/EBITDA(TTM)
9.41
Total Shares
27.12M
EV
6.64B
EV/OCF(TTM)
3.98
P/S(TTM)
1.77
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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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q3
FY2025Q4
FY2026Q1
805.77M
+16.79%
3.027
+23.56%
865.62M
+18.65%
2.876
+10.18%
883.71M
+18.53%
3.377
+13.31%
Estimates Revision
The market is revising Upward the revenue expectations for Enova International, Inc. (ENVA) for FY2025, with the revenue forecasts being adjusted by 1.28% over the past three months. During the same period, the stock price has changed by 11.10%.
Revenue Estimates for FY2025
Revise Upward
+1.28%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+2.39%
In Past 3 Month
Stock Price
Go Up
+11.10%
In Past 3 Month
6 Analyst Rating
21.71% Upside
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 134.17 USD with a low forecast of 124.00 USD and a high forecast of 140.00 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.
6 Buy
0 Hold
0 Sell
Strong Buy
21.71% Upside
Current: 110.235
Low
124.00
Averages
134.17
High
140.00
21.71% Upside
Current: 110.235
Low
124.00
Averages
134.17
High
140.00
Seaport Research
NULL -> Buy
initiated
$124
2025-05-14
Reason
Seaport Research
Price Target
$124
2025-05-14
initiated
NULL -> Buy
Reason
Seaport Research initiated coverage of Enova International with a Buy rating and $124 price target. The data that has been collected since 2004 provides the company with "a strong competitive advantage," particularly in loan underwriting and generating superior credit performance, while competition is fairly limited and the company's market share is "very small," which should allow Enova to provide controlled growth over the long-term in the sub- and non-prime consumer loan markets, the analyst tells investors.
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
Stephens & Co.
Kyle Joseph
Buy
Maintains
$115 → $136
2025-02-05
Reason
Stephens & Co.
Kyle Joseph
Price Target
$115 → $136
2025-02-05
Maintains
Buy
Reason
Stephens & Co.
Vincent Caintic
Buy
Initiates
$108
2024-11-13
Reason
Stephens & Co.
Vincent Caintic
Price Target
$108
2024-11-13
Initiates
Buy
Reason
Stephens initiated coverage of Enova International with an Overweight rating and $108 price target. The firm initiated coverage on 13 alternative consumer finance names, saying COVID-19 and the corresponding $6 trillion of stimulus impacted nonprime finance companies across the board, in some positive and some negative lights. Some industries like auto and lenders with longer duration portfolios are still feeling some lingering impacts, including affordability and underperforming back-books, respectively, the analyst tells investors in a research note. Stephens believes affordability issues are weighing on sales and more than offsetting consumer's increased need for financing and some tighter credit broadly. It sees challenging conditions persisting, but "solid companies emerging on the other side in a less competitive world."
See All Ratings
Valuation Metrics
The current forward P/E ratio for Enova International Inc (ENVA.N) is 8.08, compared to its 5-year average forward P/E of 6.69. 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.
Fair
5Y Average PE
6.69
Current PE
8.08
Overvalued PE
8.21
Undervalued PE
5.18
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.
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.
Fair
5Y Average PS
0.74
Current PS
0.75
Overvalued PS
0.91
Undervalued PS
0.58
Financials
Annual
Quarterly
FY2025Q2
YoY :
+19.25%
441.46M
Total Revenue
FY2025Q2
YoY :
+26.92%
184.11M
Operating Profit
FY2025Q2
YoY :
+41.25%
76.15M
Net Income after Tax
FY2025Q2
YoY :
+48.19%
2.86
EPS - Diluted
FY2025Q2
YoY :
+24.66%
436.14M
Free Cash Flow
FY2025Q2
YoY :
0.00%
100.00
Gross Profit Margin - %
FY2025Q2
YoY :
+5.21%
96.51
FCF Margin - %
FY2025Q2
YoY :
+18.48%
17.25
Net Margin - %
FY2025Q2
YoY :
+15.69%
10.62
ROIC
Trading Trends
Insider
Insiders areSelling! The selling amount has increased 1631.36% over the last month.
Sold
0-3
Months
3.6M
USD
4
3-6
Months
4.6M
USD
6
6-9
Months
5.4M
USD
5
0-12
Months
9.6M
USD
10
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
122.2K
Volume
2
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
3
219.0K
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders areSelling! The selling amount has increased 1631.36% over the last month.
Sold
0-3
Months
3.6M
USD
4
3-6
Months
4.6M
USD
6
6-9
Months
5.4M
USD
5
0-12
Months
9.6M
USD
10
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
ENVA News & Events
Events Timeline
2025-07-24 (ET)
2025-07-24
16:28:19
Enova International announces planned CEO and CFO changes
2025-07-24
16:20:46
Enova International reports Q2 adjusted EPS $3.23, consensus $2.98
2025-04-29 (ET)
2025-04-29
16:17:24
Enova International reports Q1 adjusted EPS $2.98, consensus $2.76
Sign Up For More Events
Sign Up For More Events
News
6.5
08-11NASDAQ.COMBull of the Day: Enova (ENVA)
9.5
07-25NASDAQ.COMEnova Posts 22 Percent Q2 Revenue Gain
5.0
07-25SeekingAlphaEnova expects Q3 2025 adjusted EPS growth of 20%–25% amid leadership transition and strong SMB performance
Sign Up For More News
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FAQ
What is Enova International Inc (ENVA) stock price today?
The current price of ENVA is 110.235 USD — it has increased 1.06 % in the last trading day.
What is Enova International Inc (ENVA)'s business?
What is the price predicton of ENVA Stock?
What is Enova International Inc (ENVA)'s revenue for the last quarter?
What is Enova International Inc (ENVA)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for Enova International Inc (ENVA)'s fundamentals?
How many employees does Enova International Inc (ENVA). have?