Price
$252.64+6.87%Social Signal Score
Analyst Ratings
10 analystsRevenue
$493.69M+151.96%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Steven E. Cunningham
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 1,836
- Beta
- 1.21
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 2.68
Financials
Revenue
$493.69M+152.0%Net Income
$105.06M+1240.5%EBITDA
$248.41M+1475.3%Free Cash Flow
$531.42M+356.6%EPS (diluted)
$3.99+1634.8%Shares Outstanding (diluted)
26.34M-21.5%Operating Expenses
$247.64MCash & Debt
$122.23MReturn of Capital
$19.78MQuote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $3.15B | $308.39M | $12.26 |
| 2024 | $2.66B | $209.45M | $7.78 |
| 2023 | $2.12B | $175.12M | $5.71 |
| 2022 | $1.74B | $207.42M | $6.42 |
| 2021 | $1.21B | $256.30M | $7.05 |
| 2020 | $1.08B | $377.84M | $11.85 |
| 2019 | $1.17B | $36.61M | $3.80 |
| 2018 | $972.62M | $70.10M | $2.06 |
| 2017 | $728.90M | $29.24M | $0.87 |
| 2016 | $745.57M | $34.60M | $1.04 |
| 2015 | $652.60M | $43.99M | $1.33 |
| 2014 | $809.84M | $111.67M | $3.38 |
| 2013 | $765.32M | $78.04M | $2.36 |
| 2012 | $660.93M | $58.87M | $1.78 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from ENVA's reported EPS growth of 16.0% a year over 13 years.
- EPS in 5 years
- $26.16
- Implied price
- $340.11
- Return from $172.85
- 14.5% a year
To earn 15.0% a year on these assumptions you'd need to buy at $169.09 — -2.2% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 9 | 11 | 13 | 15 | 17 |
|---|---|---|---|---|---|
| 6.0% | -2.8% | 1.2% | 4.6% | 7.7% | 10.4% |
| 11.0% | 1.8% | 6.0% | 9.6% | 12.7% | 15.6% |
| 16.0% | 6.4% | 10.7% | 14.5% | 17.8% | 20.8% |
| 21.0% | 11.0% | 15.5% | 19.4% | 22.9% | 26.0% |
| 26.0% | 15.5% | 20.3% | 24.4% | 28.0% | 31.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
0-100.00%Social Signal Score
Mentions (24)
- Newsbusinesswire.com·16d ago·Negative
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law LOS ANGELES--(BUSINESS WIRE)---- $ENVA--ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law.
View source ↗ - News (RSS)seekingalpha·17d ago·Positive
Enova International: Oversold, Upgrading To Buy
View source ↗ - Newsseekingalpha.com·17d ago·Positive
Enova International: Oversold, Upgrading To Buy 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.
View source ↗ - Newszacks.com·17d ago·Positive
Enova International (ENVA) is a Top-Ranked Growth Stock: Should You Buy? Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
View source ↗ - Newsfool.com·18d ago·Neutral
Why Enova International Stock Was Plummeting This Week It had made a clutch of applications for such permits around the time it announced an acquisition. It aimed to purchase the parent company of online lender Grasshopper Bank.
View source ↗ - News (RSS)seekingalpha·18d ago·Neutral
Enova: Investor Focus Turns From Grasshopper To Macro
View source ↗ - News (Marketaux)crowdfundinsider.com·19d ago·Neutral
Enova Withdraws Grasshopper Bank Bid, Citing Unclear Rules and Political Pressure Enova International (<[+156 characters]
View source ↗ - Newsglobenewswire.com·19d ago·Negative
Securities Fraud Investigation Into Enova International, Inc. (ENVA) Continues – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R. Cruz LOS ANGELES, Sept. 16, 2026 (GLOBE NEWSWIRE) -- The Law Offices of Frank R. Cruz continues its investigation of Enova International, Inc. (“Enova” or the “Company”) (NYSE: ENVA) on behalf of investors concerning the Company's possible violations of federal securities laws.
View source ↗ - Newsglobenewswire.com·19d ago·Neutral
Wolf Popper LLP Announces Investigation on Behalf of Enova International, Inc. Investors NEW YORK, Sept. 16, 2026 (GLOBE NEWSWIRE) -- Wolf Popper LLP is investigating potential claims on behalf of purchasers of Enova International, Inc. (“ENVA”) common stock (NYSE: ENVA).
View source ↗ - 4chan /biz/biz·20d ago·Neutral
Enova Gay (ENVA) heh
View source ↗ - Newspymnts.com·20d ago·Neutral
Enova Scraps Grasshopper Bank Acquisition After Pressure From State AGs Online financial services company Enova has withdrawn its bank regulatory applications related to the proposed acquisition of Grasshopper Bancorp, saying in a Monday (Sept. 14) press release that the process is “susceptible to political pressure and outside advocacy.
View source ↗ - Newsbusinesswire.com·20d ago·Negative
Securities Fraud Investigation Into Enova International, Inc. (ENVA) Announced – Shareholders Who Lost Money Urged to Contact The Law Offices of Frank R. Cruz LOS ANGELES--(BUSINESS WIRE)--The Law Offices of Frank R. Cruz announces an investigation of Enova International, Inc. (“Enova” or the “Company”) (NYSE: ENVA) on behalf of investors concerning the Company's possible violations of federal securities laws.IF YOU ARE AN INVESTOR WHO LOST MONEY ON ON ENOVA INTERNATIONAL, INC. (ENVA), CLICK HER…
View source ↗ - News (RSS)zerohedge·20d ago·Neutral
…t, with analysts arguing it’s worthy of a more significant valuation premium due to its superior growth profile and the breadth of its pipeline. Enova International (ENVA) falls 18% after the financial services company withdrew its applications with the Office of the Comptroller of the Currency and the Federal Reserve for the acquisition of Grasshopper Bancorp. Etsy (ETSY) rises 3% after Oppenheimer upgraded the online retailer to outperform, citing improvements the company is making to its plat…
View source ↗ - Newsbarrons.com·20d ago·Negative
Why This Fintech Stock Is Having Its Worst Day in 6 Years Enova International stock sinks after the fintech company withdraws regulatory applications for its proposed acquisition of Grasshopper Bancorp.
View source ↗ - News (RSS)seekingalpha·21d ago·Positive
Enova International, Inc. (ENVA) Discusses Withdrawal of Regulatory Applications for Proposed Bank Acquisition Transcript
View source ↗ - Newsseekingalpha.com·21d ago·Positive
Enova International, Inc. (ENVA) Discusses Withdrawal of Regulatory Applications for Proposed Bank Acquisition Transcript Enova International, Inc. (ENVA) Discusses Withdrawal of Regulatory Applications for Proposed Bank Acquisition Transcript
View source ↗ - Newsprnewswire.com·21d ago·Negative
…egulatory Applications Company Reaffirms 2026 Guidance and Intends to Accelerate Share Repurchases CHICAGO, Sept. 14, 2026 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced that it has withdrawn its applications with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System related to the proposed acquisition of Grasshopper Bancorp, Inc. ("Grass…
View source ↗ - Newsmarketbeat.com·33d ago·Negative
Enova's Earnings Surge Meets a Valuation Test 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.
View source ↗ - Newsgurufocus.com·46d ago·Negative
Enova International Inc (ENVA) Shares Fall 6.7% -- What GF Score of 77 Tells Investors On August 20, 2026, Enova International Inc (ENVA) shares fell 6.7%, closing at $237.39. This decline is notable given the stock's 52-week range, which has seen
View source ↗ - Newszacks.com·49d ago·Positive
Enova International, Inc. (ENVA) Hit a 52 Week High, Can the Run Continue? Enova International (ENVA) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
View source ↗ - Newszacks.com·49d ago·Negative
Enova International (ENVA) Is a Great Choice for 'Trend' Investors, Here's Why Enova International (ENVA) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen.
View source ↗ - Newszacks.com·52d ago·Positive
3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA) Enova International (ENVA) is well positioned to outperform the market, as it exhibits above-average growth in financials.
View source ↗ - Newszacks.com·52d ago·Positive
Why Enova International (ENVA) is a Top Growth Stock for the Long-Term Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
View source ↗ - News (Marketaux)seekingalpha.com·57d ago·Positive
Enova International: Great Business, But Looks Pricey (NYSE:ENVA) Enova International ha[+147 characters]
View source ↗
Earnings
Thu, Oct 22(in 2 weeks)
Consensus estimate $4.42 per share
Typical surprise +8.8% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$4.31 vs $3.99beat
- Thu, Apr 23$3.87 vs $3.96miss
- Tue, Jan 27$3.46 vs $3.17beat
- Thu, Oct 23$3.36 vs $3.03beat
- Thu, Jul 24$3.23 vs $2.97beat
- Tue, Apr 29$2.98 vs $2.77beat
Estimates and results for ENVA via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by ENVA officers and directors.
- Bought
- —
- Sold
- $45.1m
0 trades
21 trades
- Fisher Davidsold
- Fisher Davidsold
- Fisher Davidsold
- Fisher Davidsold
- Fisher Davidsold
- Tebbe Marksold
- Fisher Davidsold
- Goodyear William Msold
79 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- William Francis Hagertysenate · TN · disclosed Jan 10, 2022 (12d later)Sell$15,001 - $50,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.