Enova International, Inc. (ENVA)

US — Financial Services Sector
Peers: RM  CURO  ECPG  CUBI  EIG 

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Key Metrics & Ratings

  • symbol ENVA
  • Rev/Share 108.7962
  • Book/Share 46.6058
  • PB 2.0019
  • Debt/Equity 3.113
  • CurrentRatio 0.0
  • ROIC 0.0902

 

  • MktCap 2366722440.0
  • FreeCF/Share 59.8257
  • PFCF 1.5407
  • PE 10.239
  • Debt/Assets 0.6826
  • DivYield 0
  • ROE 0.1983

 

  • Rating B
  • Score 3
  • Recommendation Neutral
  • P/E Score 2
  • DCF Score 3
  • P/B Score 1
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Initiation ENVA Seaport Research Partners -- Buy -- $124 May 14, 2025
Upgrade ENVA TD Cowen Hold Buy -- $17 April 1, 2025
Downgrade ENVA Janney Buy Neutral -- -- Aug. 26, 2024

News

Enova International: Higher Valuation Despite Positive Net Debt (Buy)
ENVA
Published: May 21, 2025 by: Seeking Alpha
Sentiment: Positive

Enova International is a buy due to strong revenue growth, robust loan originations, and high demand from small businesses, outperforming the S&P 500. Q1 2025 revenues grew 22.2% YoY, with guidance for continued double-digit growth and strong net revenue margins into 2026. Valuation suggests ENVA is undervalued, with an 11% upside over the next year based on forward PE and EPS calculations.

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image for news Enova International: Higher Valuation Despite Positive Net Debt (Buy)
New Report: Small Businesses Stayed Positive on Growth in Q1 - While Bracing for Economic Shifts
ENVA
Published: May 20, 2025 by: PRNewsWire
Sentiment: Neutral

Survey Finds Over Half of Small Businesses Took Preemptive Action Ahead of Tariff Changes CHICAGO , May 20, 2025 /PRNewswire/ -- Small businesses remain generally positive about growth potential, though optimism has fallen slightly in the face of economic uncertainty, according to the latest Small Business Cash Flow Trend Report from OnDeck, the leading small business lending company at Enova (NYSE: ENVA) and Ocrolus, the document AI and cash flow analytics platform for lenders. Key findings include: Growth expectations: 93% of small businesses anticipate significant or moderate growth in 2025 (compared to 94% in Q4 2024).

Read More
image for news New Report: Small Businesses Stayed Positive on Growth in Q1 - While Bracing for Economic Shifts
Enova International: Growing Too Fast To Ignore
ENVA
Published: May 19, 2025 by: Seeking Alpha
Sentiment: Neutral

Enova's stock has soared over 600% in five years, reflecting exceptional top and bottom-line financial performance. I set aside ethical concerns to evaluate Enova purely on investment merits, acknowledging regulatory risks, but prioritizing financial results. Management's significant ownership and strong execution, along with growing software investments, suggest a developing competitive moat.

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image for news Enova International: Growing Too Fast To Ignore
Are Investors Undervaluing Enova International (ENVA) Right Now?
ENVA
Published: May 05, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Are Investors Undervaluing Enova International (ENVA) Right Now?
3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA)
ENVA
Published: May 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) possesses solid growth attributes, which could help it handily outperform the market.

Read More
image for news 3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA)
Enova International, Inc. (ENVA) Q1 2025 Earnings Call Transcript
ENVA
Published: April 29, 2025 by: Seeking Alpha
Sentiment: Neutral

Enova International, Inc. (NYSE:ENVA ) Q1 2025 Earnings Conference Call April 29, 2025 5:00 PM ET Company Participants Lindsay Savarese - IR David Fisher - Chief Executive Officer Steven Cunningham - Chief Financial Officer Conference Call Participants David Scharf - Citizens Moshe Orenbuch - TD Cowen Kyle Joseph - Stephens John Hecht - Jefferies Operator Hello and welcome to the Enova International First Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.

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image for news Enova International, Inc. (ENVA) Q1 2025 Earnings Call Transcript
Wall Street Analysts Think Enova International (ENVA) Could Surge 30.48%: Read This Before Placing a Bet
ENVA
Published: April 28, 2025 by: Zacks Investment Research
Sentiment: Positive

The average of price targets set by Wall Street analysts indicates a potential upside of 30.5% in Enova International (ENVA). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

Read More
image for news Wall Street Analysts Think Enova International (ENVA) Could Surge 30.48%: Read This Before Placing a Bet
Oportun vs. Enova: Which Fintech Lender is the Smarter Buy Right Now?
ENVA, OPRT
Published: April 28, 2025 by: Zacks Investment Research
Sentiment: Positive

OPRT and ENVA are making waves in the fintech lending space. But which one offers the better opportunity for investors?

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image for news Oportun vs. Enova: Which Fintech Lender is the Smarter Buy Right Now?
Is Enova International (ENVA) Stock Undervalued Right Now?
ENVA
Published: April 18, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Is Enova International (ENVA) Stock Undervalued Right Now?
Is Enova International (ENVA) a Solid Growth Stock? 3 Reasons to Think "Yes"
ENVA
Published: April 16, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) possesses solid growth attributes, which could help it handily outperform the market.

Read More
image for news Is Enova International (ENVA) a Solid Growth Stock? 3 Reasons to Think "Yes"
Why Enova International (ENVA) is Poised to Beat Earnings Estimates Again
ENVA
Published: April 11, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

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image for news Why Enova International (ENVA) is Poised to Beat Earnings Estimates Again
Best Momentum Stocks to Buy for April 2nd
ASLE, ENVA, FHB
Published: April 02, 2025 by: Zacks Investment Research
Sentiment: Positive

ASLE, ENVA and FHB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on April 2, 2025.

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image for news Best Momentum Stocks to Buy for April 2nd
Should Value Investors Buy Enova International (ENVA) Stock?
ENVA
Published: April 02, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Should Value Investors Buy Enova International (ENVA) Stock?
3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA)
ENVA
Published: March 31, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) is well positioned to outperform the market, as it exhibits above-average growth in financials.

Read More
image for news 3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA)
New Strong Buy Stocks for March 26th
CRK, ENVA, FFIN, OBK, SZKMY
Published: March 26, 2025 by: Zacks Investment Research
Sentiment: Positive

SZKMY, OBK, ENVA, CRK and FFIN have been added to the Zacks Rank #1 (Strong Buy) List on March 26, 2025.

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image for news New Strong Buy Stocks for March 26th
Does Enova International (ENVA) Have the Potential to Rally 27.1% as Wall Street Analysts Expect?
ENVA
Published: March 25, 2025 by: Zacks Investment Research
Sentiment: Positive

The average of price targets set by Wall Street analysts indicates a potential upside of 27.1% in Enova International (ENVA). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.

Read More
image for news Does Enova International (ENVA) Have the Potential to Rally 27.1% as Wall Street Analysts Expect?
All You Need to Know About Enova International (ENVA) Rating Upgrade to Strong Buy
ENVA
Published: March 21, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

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image for news All You Need to Know About Enova International (ENVA) Rating Upgrade to Strong Buy
Enova Stock Falls 15.6% in a Month: Should You Buy Now or Wait?
ENVA
Published: March 17, 2025 by: Zacks Investment Research
Sentiment: Negative

ENVA shares slide 15.6% in the past month. Let us find out whether its technology-driven loan growth and product diversification moves make it a lucrative bet.

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image for news Enova Stock Falls 15.6% in a Month: Should You Buy Now or Wait?
Are Investors Undervaluing Enova International (ENVA) Right Now?
ENVA
Published: March 17, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Are Investors Undervaluing Enova International (ENVA) Right Now?
Is Enova International (ENVA) a Solid Growth Stock? 3 Reasons to Think "Yes"
ENVA
Published: March 14, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) possesses solid growth attributes, which could help it handily outperform the market.

Read More
image for news Is Enova International (ENVA) a Solid Growth Stock? 3 Reasons to Think "Yes"
Is Enova International (ENVA) Stock Undervalued Right Now?
ENVA
Published: February 27, 2025 by: Zacks Investment Research
Sentiment: Positive

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Read More
image for news Is Enova International (ENVA) Stock Undervalued Right Now?
Enova International (ENVA) is an Incredible Growth Stock: 3 Reasons Why
ENVA
Published: February 26, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) could produce exceptional returns because of its solid growth attributes.

Read More
image for news Enova International (ENVA) is an Incredible Growth Stock: 3 Reasons Why
New Report: New Year Brings Increased Optimism Around Growth Expectations for Main Street Businesses
ENVA
Published: February 25, 2025 by: PRNewsWire
Sentiment: Neutral

CHICAGO , Feb. 25, 2025 /PRNewswire/ -- Small businesses are increasingly optimistic about their growth expectations in 2025, according to the latest Small Business Cash Flow Trend Report from OnDeck, the leading small business lending company at Enova (NYSE: ENVA) and Ocrolus, the document AI and cash flow analytics platform for lenders. Key findings include: Optimism and Growth: 94% of small businesses anticipate significant or moderate growth in 2025, a 2% increase compared to Q3 2024.

Read More
image for news New Report: New Year Brings Increased Optimism Around Growth Expectations for Main Street Businesses
Enova International: How Deregulation Could Unlock New Growth
ENVA
Published: February 18, 2025 by: Seeking Alpha
Sentiment: Positive

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.

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image for news Enova International: How Deregulation Could Unlock New Growth
Building a Position With 4 Top Relative Price Strength Stocks
CLS, ENS, ENVA, PCRX
Published: February 11, 2025 by: Zacks Investment Research
Sentiment: Positive

ENS, PCRX, CLS and ENVA are four stocks with explosive relative price strength.

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image for news Building a Position With 4 Top Relative Price Strength Stocks
3 Reasons Growth Investors Will Love Enova International (ENVA)
ENVA
Published: February 10, 2025 by: Zacks Investment Research
Sentiment: Positive

Enova International (ENVA) could produce exceptional returns because of its solid growth attributes.

Read More
image for news 3 Reasons Growth Investors Will Love Enova International (ENVA)
Best Momentum Stocks to Buy for February 10th
BSX, CFR, ENVA
Published: February 10, 2025 by: Zacks Investment Research
Sentiment: Positive

BSX, ENVA and CFR made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on February 10, 2025.

Read More
image for news Best Momentum Stocks to Buy for February 10th
New Strong Buy Stocks for February 10th
BSX, ENVA, NFG, NLY, PFIS
Published: February 10, 2025 by: Zacks Investment Research
Sentiment: Positive

PFIS, BSX, ENVA, NFG and NLY have been added to the Zacks Rank #1 (Strong Buy) List on February 10, 2025.

Read More
image for news New Strong Buy Stocks for February 10th
Best Value Stocks to Buy for February 10th
CENT, ENVA
Published: February 10, 2025 by: Zacks Investment Research
Sentiment: Positive

CENT and ENVA made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 10, 2025.

Read More
image for news Best Value Stocks to Buy for February 10th

About Enova International, Inc. (ENVA)

  • IPO Date 2014-11-13
  • Website https://www.enova.com
  • Industry Financial - Credit Services
  • CEO Mr. David A. Fisher J.D.
  • Employees 1787

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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 markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.