Enova is executing a high-growth strategy, with total revenue up 18.6% year-over-year to $3.15 billion and total assets expanding 25% to $7.2 billion in 2026Q2. However, the business model exhibits significant volatility in net interest margin (swinging from -...
Price trend, volume and key moving averages
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest 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 |
Q4 2025 Oct 23, 2025 | $3.36+10.9% vs $3.03 | $803M-0.5% vs $807M |
Enova International is upgraded to Buy after a 25% share price drop following the withdrawal of its Grasshopper acquisition applications. ENVA's forward P/E has compressed to just over 10x FY26 EPS, supported by 30–35% EPS growth guidance and a differentiated business loan focus. The company reaffirmed guidance excluding Grasshopper and accelerated buybacks, with $349mn (about 8% of market cap) authorized through June 2027.
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While subdued asset quality and macro uncertainty are headwinds, higher rates for longer, digitization and easier lending criteria aid the Zacks Consumer Loans industry. So, firms like ENVA and ECPG are poised to gain.
Through brands like CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic and Pangea, Enova lends to consumers and small businesses that traditional banks often turn away. That's been the source of its strength, and more recently, some unwanted attention.
Benchmark ENVA against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Enova International, Inc. (ENVA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $168.98 | $4.21B | 14.59 | 12.2% | 9.79% | 24.34% | — | |
| $172.99 | $806.2M | 25.14 | 2.6% | 6.65% | 11% | — | |
| $31.28 | $288.03M | 7.03 | 9.1% | 7.4% | 13.25% | — | |
| $20.58 | $784.94M | -2.64 | -4.51% | -23.24% | -25.21% | — | |
| $99.36 | $1.64B | 13.21 | 7.35% | 22.94% | 12.7% | — | |
| $8.29 | $380.53M | 15.64 | 37.48% | 2.84% | 4.95% | — |
Enova International, Inc. (ENVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Enova International, Inc. (ENVA) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 14, 2026·SEC
Jul 23, 2026·SEC
Jul 10, 2026·SEC
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Enova International, Inc. (ENVA) stock FAQ — growth, dividends, profitability & financials explained
Enova International, Inc. (ENVA) grew revenue by 12.2% over the past year. This is steady growth.
Yes, Enova International, Inc. (ENVA) is profitable, generating $355.5M in net income for fiscal year 2025 (9.8% net margin).
Enova International, Inc. (ENVA) has a return on equity (ROE) of 24.3%. This is excellent, indicating efficient use of shareholder capital.
Enova International, Inc. (ENVA) has a net interest margin (NIM) of -2.6%. NIM has been under pressure due to interest rate environment.
Enova International, Inc. (ENVA) has an efficiency ratio of 26.7%. This is excellent, indicating strong cost control.
