ENVA logo

ENOVA INTERNATIONAL INC

ENVANYSE
🏆 #1457 by market capUS Equity
$918.84▼ $21.50 (−2.34%)
Simulated price
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🏦Market Cap
$4.23B
Small Cap
📈Revenue Growth (YoY)
+18.6%
Healthy
📊Gross Margin
74.0%
High
💵FCF Margin
64.9%
Strong
⚖️P/S Ratio
1.4x
Cheap
Otter Score
96
Very Good
No chart data available for ENVA.

Trading Snapshot

Day Range
$913.86 – $924.61
52-Week Range
$103.02 – $267.45
Volume
$2.42B
Avg Volume
$1.91B
Shares Outstanding
24.9M
Next Earnings
Oct 27, 2026

Fundamentals Snapshot

Annual Revenue
$3.15B
Last Q Revenue
$494M
P/E Ratio
11.9
P/S Ratio
1.4x
EPS (TTM)
$14.29
Dividend Yield
0.00%
Dilution (1yr)
−4.7%

Why Investors Own ENVA

  • ✓High-growth profile — revenue up +20.9% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 76% gross margin and 14% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

ENVA logo

ENOVA INTERNATIONAL INC

ENVA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$3.2B▲ +18.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
50.1%▲ +7.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$739M▲ +26.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$1.8B▲ +18.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
26.4M▼ −4.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$4.5B▼ −$969M YoY
StockOtter · stockotter.space

About ENOVA INTERNATIONAL INC

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Very Good
96/100

Analyst Price Target

ⓘ
Average Target
$903.75
▼ −1.6% Downside
High Target$1,095.18
Low Target$807.43
Based on 27 analysts

Latest News & Updates

🚀
Reuters·2h ago

ENOVA INTERNATIONAL INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

🛰️
Barron’s·5h ago

Analysts lift ENVA price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
CNBC·1d ago

ENOVA INTERNATIONAL INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.