Enova International, Inc.
ENVA
Positions held
Your positionsENVA isn't in your positions.
Add it to see shares, cost, and P&L here.
Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Enova International operates in the growing credit services industry, which is benefiting from increased demand for alternative financing solutions as traditional banks tighten lending standards.
- Enova's revenue grew by 6% in the last quarter, reaching $929 million compared to $875 million in the prior quarter.
- The company's gross margin improved to 50.6%, up from 49.7% in the previous quarter.
- Despite growth, Enova's high debt-to-equity ratio of 337.015 raises concerns about financial stability and risk management.
- The operating margin, while expanding, is still relatively modest at 15%, indicating potential challenges in cost management.
- Enova's trailing PE ratio stands at 13.58, which may suggest that the stock is overvalued compared to its earnings growth potential.
Fundamentals
| Market cap | $4.55B | Enterprise value | $9.46B | Trailing P/E | 13.56 | Forward P/E | 8.71 |
| PEG | — | Price / book | 3.04 | Beta | 1.28 | Dividend yield | 0.00% |
| Revenue growth | 31.1% | Earnings growth | 39.9% | Gross margin | 83.3% | Operating margin | 29.9% |
| Profit margin | 21.0% | ROE | 26.1% | ROA | 5.5% | Debt / equity | 3.37 |
| Current ratio | 20.15 | Free cash flow | — | Analyst recommendation | strong_buy | Mean target | $236.83 |
| 52w high | $267.45 | 52w low | $103.02 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $929M | $875M | $839M | $803M | $764M | — |
| Op margin | 15.0% | 12.9% | 12.4% | 13.7% | 13.3% | — |
| Net income | $105M | $91.1M | $79.0M | $80.3M | $76.1M | — |
| Gross margin | 50.6% | 49.7% | 49.2% | 46.6% | 46.9% | — |
| Gross profit | $470M | $435M | $413M | $374M | $359M | — |
| Operating income | $139M | $113M | $104M | $110M | $101M | — |
- Revenue +6% vs prior quarter ($929M vs $875M).
- Gross margin 50.6% (was 49.7% prior quarter).
- Operating margin expanded to 15%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B | $1.7B | — |
| Op margin | 12.9% | 11.1% | 10.7% | 15.4% | — |
| Net income | $308M | $209M | $175M | $207M | — |
| Gross margin | 47.3% | 46.6% | 48.9% | 57.7% | — |
| Gross profit | $1.5B | $1.2B | $1.0B | $1.0B | — |
| Operating income | $407M | $294M | $227M | $268M | — |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-08 · Enova Announces Date of Third Quarter 2026 Financial Results Conference Call
2026-10-08 · 1 Growth Stock with Explosive Upside and 2 That Underwhelm
2026-10-08 · OnDeck Combines Machine Learning With AI-Enabled Verification to Automate Approval Process
2026-10-07 · Why OppFi Stock And Its Nonprime Lending Peers Deserve A Closer Look
2026-10-01 · 3 Cash-Producing Stocks That Fall Short
2026-09-28 · Citizens Cuts Enova’s Price Target after its Bank Deal Falls Apart
2026-09-28 · SM Energy (SM): Near-Term Drag vs. Long-Term Portfolio Insurance
2026-09-28 · An Energy Hedge Against Market Shocks — Why Blue Tower Added Petrobras (PBR)
2026-09-25 · 1 of Wall Street’s Favorite Stocks to Target This Week and 2 That Underwhelm
2026-09-25 · Why Blue Tower Asset Management Sees Enova International (ENVA) as a Transformational Fintech Opportunity
2026-09-19 · 3 Consumer Lending Stocks Built For Higher Interest Rates
2026-09-18 · Why Enova International Stock Was Plummeting This Week
Price (daily)
Full chart · RSI · MACD · patterns