Inside the research
Enova International, Inc.
ENVA Research profile · latest available data
Price overview
$173.48
▲ +1.58 (+0.9%)
| 52w hi | $265.45 |
|---|---|
| 52w lo | $104.01 |
| Vol | 210.60K |
| As of | 25 Sep 2026 |
The Verdict
Our score -0.02
| Short | -0.25 |
|---|---|
| Medium | -0.01 |
| Long | +0.40 |
computed 2026-09-27
Key fundamentals
Enova International, Inc.
Financial Services · Credit Services
| Market cap | $4.32B |
|---|---|
| Enterprise value | $9.23B |
| Trailing P/E | 12.90x |
| Forward P/E | 8.28x |
| P / S (ttm) | 2.55x |
| Profit margin | 21.0% |
| Return on equity | 26.1% |
| Revenue growth | +31.1% |
| Earnings growth | +39.9% |
| Debt / equity | 337.01 |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.40 | |
| Sector | +0.02 | |
| Technical | -0.17 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
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.
Risk Metrics
| Beta vs SPX | 1.44 |
|---|---|
| Corr SPX | 0.54 |
| Annual vol | 43.1% |
| Annual ret | +45.2% |
| Sharpe | 1.05 |
| Max DD | -36.6% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-08-14 | Material Agreement, Material Obligation… | read |
| 2026-07-23 | Earnings Release, Exhibits | read |
| 2026-07-10 | Officer / Director Change, Exhibits | read |
| 2026-06-25 | Material Agreement, Material Obligation | read |
| 2026-05-13 | Shareholder Vote | read |
| 2026-04-23 | Earnings Release, Exhibits | read |
| 2026-04-01 | Material Agreement, Material Obligation | read |
| 2026-01-27 | Earnings Release, Exhibits | read |
| 2025-12-18 | Material Agreement, Exhibits | read |
| 2025-12-11 | Material Agreement, Reg FD Disclosure… | read |
| 2025-11-24 | Material Agreement, Material Obligation… | read |
| 2025-11-13 | Material Agreement, Material Obligation… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-08-05 | Veltre Maria | Director | Grant | 772 | — |
| 2026-07-15 | Fisher David | Director, Officer, Execut | Option exercise | 11.49K | $238.27K |
| 2026-07-15 | Fisher David | Director, Officer, Execut | Sell | 11.49K | $2.66M |
| 2026-07-14 | Fisher David | Director, Officer, Execut | Option exercise | 17.01K | $352.53K |
| 2026-07-14 | Fisher David | Director, Officer, Execut | Sell | 17.01K | $3.94M |
Flow & Concentration
| Insider 180d net | -$6.60M |
|---|---|
| Insider buys / sells | 0 / 2 |
| Insider bias | Sellers |
| 13F holders | 0 |
| Top-5 share | 0.0% |
| HHI | 0 (—) |
SEC Filings
The Long Run
FY 2014–2025 · 12 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $2.66B | +26.4% | |
| Gross profit | $1.83B | +15.6% | |
| Operating income | $422.13M | +12.6% | |
| Net income | $308.39M | +14.7% | |
| Cash from ops | $1.54B | +12.3% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $172.47 | $174.82 | $171.05 | $173.48 | 210.60K |
| Sep 24 | $170.39 | $173.40 | $170.15 | $171.90 | 479.60K |
| Sep 23 | $167.51 | $170.74 | $166.51 | $168.37 | 294.80K |
| Sep 22 | $174.78 | $175.16 | $167.01 | $168.98 | 362.00K |
| Sep 21 | $176.45 | $176.89 | $170.93 | $171.36 | 451.90K |
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