Enova International (ENVA) Stock Overview
A technology and analytics company, provides online financial services in the United States, Brazil, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
ENVA Community Fair Values
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Analyst Price Targets
Enova International, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$237.27 |
| 52 Week High | US$246.38 |
| 52 Week Low | US$99.61 |
| Beta | 1.22 |
| 1 Month Change | 9.55% |
| 3 Month Change | 42.38% |
| 1 Year Change | 124.22% |
| 3 Year Change | 333.45% |
| 5 Year Change | 617.04% |
| Change since IPO | 733.40% |
Recent News & Updates
Narrative Update • Jul 15
ENVA: Grasshopper Bank Acquisition Risk Could Restrain Future Share Price Upside
Analysts have nudged their price expectations for Enova International higher, with the fair value estimate moving from $190 to $200. This shift is supported by updated views on earnings potential, credit demand and the planned Grasshopper Bank acquisition.
New Narrative • Jul 11
AI Lending And Grasshopper Bank Acquisition Will Reshape Long Term Earnings Power
Catalysts About Enova International Enova International is a primarily online lender that provides consumer and small business financing products using data driven underwriting and technology. What are the underlying business or industry changes driving this perspective?Recent updates
Narrative Update • Jul 15
ENVA: Grasshopper Bank Acquisition Risk Could Restrain Future Share Price Upside
Analysts have nudged their price expectations for Enova International higher, with the fair value estimate moving from $190 to $200. This shift is supported by updated views on earnings potential, credit demand and the planned Grasshopper Bank acquisition.New Narrative • Jul 11
AI Lending And Grasshopper Bank Acquisition Will Reshape Long Term Earnings Power
Catalysts About Enova International Enova International is a primarily online lender that provides consumer and small business financing products using data driven underwriting and technology. What are the underlying business or industry changes driving this perspective?
Narrative Update • Jul 01
ENVA: Future Returns Will Depend On Banking Synergies And Multiple Resilience
The analyst price target for Enova International has been revised from $202 to $230. Analysts attribute this change to updated earnings assumptions, a slightly lower discount rate, and modestly higher future P/E expectations.New Narrative • Jun 26
Rising Small Business Lending And AI Model Risks Will Pressure Margins
Catalysts About Enova International Enova International provides online consumer and small business lending products using data driven underwriting and automated technology. What are the underlying business or industry changes driving this perspective?Seeking Alpha • Jun 25
Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial Synergies
Summary Enova is expanding its small business lending with the acquisition of Grasshopper Bank, aiming to reduce funding costs and boost profitability. The SMB segment now represents 70% of ENVA's loan portfolio, with Q1 2026 SMB revenue up 37% YoY, outpacing consumer growth. Management expects the Grasshopper acquisition to be over 15% EPS accretive in year one and over 25% as synergies are realized. I rate ENVA a 'buy' as the bank acquisition could drive greater long-term value, leveraging ENVA’s broad SMB reach. Read the full article on Seeking AlphaNarrative Update • Jun 17
ENVA: Future Returns Will Rely On Banking Synergies And EPS Accretion
Enova International's analyst price targets have risen by a double-digit dollar amount. The latest round of $9 to $25 upward revisions is supported by analysts citing updated valuation work and company-specific factors reflected in the new fair value and P/E assumptions.Narrative Update • Jun 02
ENVA: Future Returns Will Rely On EPS Accretion And Buybacks
Enova International's analyst price target has been revised higher to $202.00. Analysts point to updated assumptions on discount rates, profit margins and future P/E expectations to support the change.Narrative Update • May 17
ENVA: Future Returns Will Rely On Share Repurchases And Stronger Earnings Power
Narrative Update on Enova International The analyst price target for Enova International has been raised from $187.29 to $202.00. Analysts point to updated assumptions for higher revenue growth, a slightly lower discount rate, and a steady forward P/E multiple as key drivers of the new view.Narrative Update • Apr 16
ENVA: Future Returns Will Rely On Ongoing Share Repurchases
The analyst price target for Enova International has been trimmed by about $3.60 per share, as analysts factor in a slightly lower fair value estimate, modest adjustments to discount rate assumptions, and updated expectations for revenue growth, profit margin, and future P/E multiples following recent conflicting target moves from TD Cowen, Maxim, and Citizens. Analyst Commentary Recent price target changes for Enova International point to a mixed but engaged analyst view, with some raising their targets and others cutting them, as they reassess valuation, growth expectations, and execution risk.Narrative Update • Apr 02
ENVA: Future Returns Will Reflect Specialty Finance Exposure And Continued Share Repurchases
Analysts have trimmed their average price target on Enova International by about $3. This reflects slightly adjusted fair value, discount rate, revenue growth, profit margin and future P/E assumptions following recent mixed target changes across the Street.Narrative Update • Mar 19
ENVA: Future Returns Will Reflect Specialty Finance Exposure And Recent Buybacks
Narrative Update The analyst price target for Enova International has been raised to $193.71. Analysts cite updated views on specialty finance sector trends, including credit card, auto, student, non prime, buy now pay later, and lease to own segments, as key drivers of the revised outlook.Narrative Update • Mar 04
ENVA: Future Returns Will Reflect Specialty Finance Exposure And Share Repurchases
Analysts have lifted their price target for Enova International by $41 to $180, citing updated views on the specialty finance sector. Key drivers behind the revised outlook include credit cards, auto lending, student lending, non-prime lending, buy-now-pay-later, and lease-to-own.Narrative Update • Feb 18
ENVA: Future Returns Will Reflect Specialty Finance Exposure And Ongoing Share Repurchases
Narrative Update: Enova International Analyst Price Target Shift Analysts have raised their average price target on Enova International to $193.71, with recent Street research citing updated views on discount rates, revenue growth, profit margins, and future P/E expectations in the specialty finance sector as key drivers of the change. Analyst Commentary Recent Street research on Enova International centers on how the company fits into broader specialty finance themes such as credit cards, auto lending, student lending, non prime lending, buy now pay later, and lease to own, and how that feeds into updated price targets and sector positioning.Narrative Update • Feb 04
ENVA: Future Returns Will Reflect Specialty Finance Exposure And Capital Return Optionality
Narrative Update on Enova International The updated analyst price target for Enova International has moved higher by about US$9, as analysts factor in their recent target increases across the specialty finance group and adjust their views on revenue growth, profit margins and future price-to-earnings (P/E) assumptions. Analyst Commentary Recent Street research on Enova International centers on higher price targets and refreshed sector views, as analysts reset their models for specialty finance peers and revisit assumptions around growth, margins and P/E levels.Narrative Update • Jan 21
ENVA: Future Returns Will Reflect Subprime And Small Business Lending Strength
Narrative Update Overview The analyst price target for Enova International has been revised higher to US$184.50, supported by higher Street targets in the US$144 to US$180 range. Analysts are factoring in updated sector views on specialty finance, recent quarters tracking at or better than guidance, and company commentary on growth opportunities in subprime consumer and small business lending.Narrative Update • Jan 07
ENVA: Future Returns Will Reflect Subprime And Small Business Lending Momentum
Analysts have lifted their price target range for Enova International to about $144 to $149, citing recent earnings that came in at or above guidance, stronger than expected cost control, and what they see as accelerating growth opportunities in both subprime consumer and small business lending, alongside a disconnect between current valuation and the firm's originations growth. Analyst Commentary Bullish Takeaways Bullish analysts highlight that recent adjusted EPS came in about 12% above consensus, which they see as evidence of solid execution against guidance.Narrative Update • Dec 22
ENVA: Future Earnings Will Reflect Durable Subprime And Small Business Lending Momentum
Analysts have raised their fair value estimate for Enova International from approximately $141 to about $180 per share, citing consistently better than guided earnings, improving profitability, and accelerating growth in both subprime consumer and small business lending as evidence that the stock's current valuation understates its long term potential. Analyst Commentary Bullish analysts highlight that Enova continues to deliver results at or above its own guidance, with recent adjusted EPS surpassing consensus expectations driven by tighter control of operating expenses, particularly in marketing and general and administrative costs.Narrative Update • Dec 08
ENVA: Future Earnings Will Reflect Accelerating Subprime And Small Business Loan Demand
Analysts have raised their price target on Enova International to approximately $144, up from about $135. They cite consistent outperformance versus guidance, accelerating growth in both subprime consumer and small business lending, and what they view as a disconnect between the company’s strong fundamentals and its current valuation.Narrative Update • Nov 24
ENVA: Sustained Loan Origination Momentum Will Drive Continued Upside Potential
Enova International's analyst price targets have recently increased by $15 to $20. Analysts cite strong earnings performance, accelerating growth in lending segments, and a favorable industry environment as key factors for the upward revisions.Narrative Update • Nov 09
ENVA: Sustained Earnings Outperformance Will Drive Further Upside Momentum
Analysts have increased their price target for Enova International from $137.25 to $140.63. They cite strong earnings performance, continued growth in lending segments, and favorable valuations as key drivers for the upward revision.Narrative Update • Oct 26
Digital Lending Expansion Will Accelerate Credit Access For Small Businesses
Analysts have increased their fair value estimate for Enova International from $131.13 to $137.25 per share. They cite the company’s consistent performance above guidance, strong expense management, and accelerating growth opportunities in both consumer and small business lending.Seeking Alpha • Feb 18
Enova International: How Deregulation Could Unlock New Growth
Summary Enova International, Inc. stands to benefit significantly from Trump's deregulatory agenda, including relaxed CFPB regulations and potential corporate tax cuts. Deregulation under Trump’s first term led to substantial growth for Enova, with revenues rising from $745.6 million in 2016 to $1.175 billion in 2019. Trump's second term promises further regulatory rollbacks, including reinstating the True Lender rule and easing Dodd-Frank Act provisions, enhancing Enova's operational flexibility. Enova's strong 2024 performance, with a 26% revenue increase to $2.7 billion, positions ENVA stock well to capitalize on a favorable regulatory landscape under Trump. Read the full article on Seeking AlphaShareholder Returns
| ENVA | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 2.0% | -5.4% | -2.0% |
| 1Y | 124.2% | 2.1% | 15.1% |
Return vs Industry: ENVA exceeded the US Consumer Finance industry which returned 2.1% over the past year.
Return vs Market: ENVA exceeded the US Market which returned 15.1% over the past year.
Price Volatility
| ENVA volatility | |
|---|---|
| ENVA Average Weekly Movement | 5.4% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.1% |
| 10% most volatile stocks in US Market | 16.1% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: ENVA has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ENVA's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | 1,836 | Steve Cunningham | www.enova.com |
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.
Enova International, Inc. Fundamentals Summary
| ENVA fundamental statistics | |
|---|---|
| Market cap | US$5.42b |
| Earnings (TTM) | US$355.45m |
| Revenue (TTM) | US$1.69b |
16.6x
P/E Ratio3.5x
P/S RatioIs ENVA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ENVA income statement (TTM) | |
|---|---|
| Revenue | US$1.69b |
| Cost of Revenue | US$282.68m |
| Gross Profit | US$1.41b |
| Other Expenses | US$1.05b |
| Earnings | US$355.45m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 14.28 |
| Gross Margin | 83.29% |
| Net Profit Margin | 21.01% |
| Debt/Equity Ratio | 334.9% |
How did ENVA perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/24 22:24 |
| End of Day Share Price | 2026/07/24 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Enova International, Inc. is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Vincent Caintic | BTIG |
| David Scharf | Citizens JMP Securities, LLC |