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ENVA
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ENVAEnova International, Inc.
$172.48$4.3B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
ENVA logo

Enova International, Inc.

ENVA
NYSE · Consumer Finance
$172.48
At close - Nov 6, 4:00 PM EST - USD
Market Cap$4.29B
P/E11.9x
52W High$267.45
Volume251.9K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Provision Relief Drives Earnings Regime Shift

Enova's diluted EPS reached $4.06 in 2026Q3 versus $1.57 a year earlier (+34% YoY), an inflection that appears driven primarily by loan loss provisions receding 32% from their $428.9M peak in 2025Q3 to $291.3M, with the lone -$85.1M reserve release in 2026Q1 underscoring credit normalization in the non-prime borrower…

GrowthExpanding
ProfitabilityStrong
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

ENVA price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

11/12 Beats

EPS beat 11 of last 12 quarters

02

Valuation risk

-6% Peers

P/E is 6% below peer median

03

Market leadership

RS 45 · Lag

Laggard (Underperforming 55% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Jan 22

Market performance

Price History →

Trailing total returns as of 11/7/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
ENVA+6.50%
S&P 500 (^GSPC)+7.63%
1-Year Return
ENVA+40.39%
S&P 500 (^GSPC)+9.69%
3-Year Return
ENVA+306.31%
S&P 500 (^GSPC)+66.42%
5-Year Return
ENVA+336.66%
S&P 500 (^GSPC)+54.81%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
11.9x
Forward P/EExpansion
10.0x
EV/EBITDA60th %ile
9.6x
FCF YieldCash Flow
46.7%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.9x
10.1x
60th· Fair
EV/EBITDA
9.6x
9.5x
60th· Fair
Price/FCF
2.1x
1.8x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$138.32-19.8%
Base (Fair)$198.42+15.0%
Bull$197.80+14.7%
$138.32 Bear$198.42 Base$197.80 Bull
Current Market Price: $172.48
Trades at a 13.1% discount to Base DCF ($198.42)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$2.98B+12.2% YoY
Net income FY25
$308M+47.2% YoY
Free cash flow FY25
$1.77B+18.5% YoY
Operating margin FY25
24.8%+2.8 pts YoY
ROIC (FY25)10.4%
Avg ROIC 5Y10.4%
ROE (TTM)26.4%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate11/12 (92%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 22, 2026
$4.48+1.4%
vs $4.42
$1.0B+0.7%
vs $1.0B
Q3 2026
Jul 23, 2026
$4.31+8.0%
vs $3.99
$929M+2.1%
vs $910M
Q2 2026
Apr 23, 2026
$3.87-2.3%
vs $3.96
$929M+2.1%
vs $910M
Q1 2026
Jan 27, 2026
$3.46+9.1%
vs $3.17
$839M+0.1%
vs $839M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
PRNewsWire·3d ago
ENOVA ANNOUNCES PRIVATE OFFERING OF $600 MILLION OF SENIOR NOTES DUE 2031

CHICAGO, Nov. 4, 2026 /PRNewswire/ -- Enova International, Inc. (NYSE: ENVA) ("Enova" or the "Company") today announced that it intends to offer, subject to market and other customary conditions, $600 million in aggregate principal amount of senior notes due 2031 (the "Notes"). The Notes will be guaranteed, jointly and severally, on a senior unsecured basis by Enova's existing and future domestic subsidiaries, subject to certain exceptions including for its securitization subsidiaries.

PRNewsWire·4d ago
New Report: 93% of Small Businesses Expect Growth as AI Delivers Measurable Results

Three in four owners continue to look beyond traditional banks for capital as inflation remains the top concern CHICAGO, Nov. 3, 2026 /PRNewswire/ -- Ninety-three percent of small business owners expect growth over the next year, and 68% are on track to meet or beat their 2026 profit plan, according to the latest Small Business Cash Flow Trend Report from OnDeck, a market leader in small business lending, and Ocrolus, an AI workflow and cash flow analytics platform for lenders. Key findings include: Growth Expectations.

The Motley Fool·6d ago
Enova: 3 Key Takeaways for Long-Term Investors

Enova reached $1 billion in quarterly revenue for the first time. Consolidated originations increased 31% year over year to $2.6 billion.

PRNewsWire·Oct 27, 2026
Enova To Participate in Upcoming Investor Conferences

CHICAGO, Oct. 27, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that Steve Cunningham, Chief Executive Officer, and Scott Cornelis, Chief Financial Officer, will present via a fireside chat format at the following investor conferences: BMO 2026 Financials Conference  Date: Tuesday, November 10, 2026 Presentation Time: 11:45 a.m. Eastern Time / 10:45 a.m.

Filtered for Enova International, Inc.More Headlines
04

Compare before deciding

Benchmark ENVA against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Enova International, Inc. (ENVA)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
ENVA logoENVAEnova International, Inc.Current
$172.48$4.29B11.9212.2%11.89%26.36%—
WRLD logoWRLDWorld Acceptance Corporation
$149.08$694.77M13.582.6%9.13%14.16%—
RM logoRMRegional Management Corp.
$36.25$333.8M7.139.1%8.05%12.61%3.19%
PRAA logoPRAAPRA Group, Inc.
$12.92$492.78M3.12-4.51%13.85%14.48%—
QCRH logoQCRHQCR Holdings, Inc.
$100.85$1.67B11.717.35%35.98%12.5%0.24%
OPRT logoOPRTOportun Financial Corporation
$11.31$519.16M15.5037.48%7.39%9.15%—

Compare ENVA vs Peers

Enova International, Inc. (ENVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs WRLD

Most directly comparable listed peer for ENVA.

Scale Benchmark

vs FISV

Larger-name benchmark to compare ENVA against a more recognizable public peer.

Peer Set

Compare Top 5

vs WRLD, RM, PRAA, QCRH

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

ENVA SEC Filings & Documents

Enova International, Inc. (ENVA) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 22, 2026·SEC

Material company update

Oct 16, 2026·SEC

Material company update

Oct 13, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 20, 2026·SEC

FY 2025

Feb 18, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 22, 2026·SEC

FY 2026

Jul 23, 2026·SEC

FY 2026

Apr 23, 2026·SEC

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ENVA Frequently Asked Questions

Enova International, Inc. (ENVA) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Enova International, Inc. growing?

Enova International, Inc. (ENVA) grew revenue by 8.6% over the trailing twelve months, compared with the twelve months before.

Is ENVA profitable?

Yes. Enova International, Inc. (ENVA) earned $382.4M in net income over the trailing twelve months (a 11.9% net margin).

Dividend & Returns
What is ENVA's return on equity?

Enova International, Inc. (ENVA) had a return on equity (ROE) of 26.4% over the trailing twelve months. That is well above the market's typical 10-15%.

Industry Metrics
What is Enova International, Inc.'s net interest margin?

Enova International, Inc. (ENVA) has a net interest margin (NIM) of -2.6%. NIM has been under pressure due to interest rate environment.

What is Enova International, Inc.'s efficiency ratio?

Enova International, Inc. (ENVA) has an efficiency ratio of 28.2%. This is excellent, indicating strong cost control.

What if you invested $1,000 in ENVA back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

See returns →