Zacks Investment Research·Jun 30, 2026
Enova Reached 52-Week High: How Should You Play the Stock Now?ENVA stock climbs to a 52-week high after a sharp rally. Should investors chase the momentum or wait for a more attractive entry point?
Enova International, Inc.(ENVA)Earnings, Financials & Key Ratios
ENVA•NYSE
$237.00
20.5× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutEnova 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.Show more
- EBITDA$781M+25.0%
- Net Income$308M+47.2%
- EPS (Diluted)11.58+55.9%
- Gross Margin50.13%+7.5%
- EBITDA Margin24.79%+5.4%
- Operating Margin23.46%+6.6%
- Net Margin9.79%+24.2%
- ROE24.34%+41.6%
ENVA Price & Volume
Enova International, Inc. (ENVA) stock price & volume — 10-year historical chart
Loading chart...
Digital Lending Scale Drives Robust Cash Generation
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Adequate
Cash Flow:Robust
Primary Risk:Regulatory and credit cycle
Key Thesis Takeaways
- Enova International demonstrates a compelling growth trajectory, evidenced by revenue expansion from $583.6 million in 2023Q4 to $875.1 million in 2026Q1, driven by its digital-first lending model.
- While the firm successfully leverages technology to maintain operating margins between 21% and 24%, investors should monitor the risks associated with CECL-driven earnings volatility and a rising debt-to-equity ratio of 3.45.
- The company's ability to convert high-yield loan originations into significant free cash flow, which peaked at $487.1 million in 2025Q4, supports an aggressive capital return strategy despite potential regulatory headwinds.
Verdict Logic
while the firm maintains a robust free cash flow margin of 53.0% as of 2026Q1, the elevated debt-to-equity ratio of 3.45 and regulatory sensitivity suggest a cautious approach to valuation.
ENVA Growth Metrics
Enova International, Inc. (ENVA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years17.05%
5 Years23.8%
3 Years21.99%
TTM-
Profit CAGR
10 Years21.5%
5 Years-3.98%
3 Years14.13%
TTM39.57%
EPS CAGR
10 Years24.16%
5 Years-0.21%
3 Years23.22%
TTM45.47%
Return on Capital
10 Years14.83%
5 Years13.51%
3 Years12.34%
Last Year13.51%
ENVA Recent Earnings
Enova International, Inc. (ENVA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 11/12 qtrs (92%)●Beat Revenue 7/12 qtrs (58%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$3.87+5.7%
$3.66
Rev
$875M+2.8%
$852M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$3.46+9.1%
$3.17
Rev
$839M+0.1%
$839M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$3.36+10.9%
$3.03
Rev
$803M-0.5%
$807M
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$3.23+8.8%
$2.97
Rev
$764M-3.4%
$791M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $3.87vs $3.66+5.7% | $875Mvs $852M+2.8% |
| Q1 2026 | Jan 27, 2026 | $3.46vs $3.17+9.1% | $839Mvs $839M+0.1% |
| Q4 2025 | Oct 23, 2025 | $3.36vs $3.03+10.9% | $803Mvs $807M-0.5% |
| Q3 2025 | Jul 24, 2025 | $3.23vs $2.97+8.8% | $764Mvs $791M-3.4% |
Based on last 12 quarters of dataView full earnings history →
Latest ENVA News
Recent stock market news and headlines for Enova International, Inc. (ENVA)
Zacks Investment Research·Jun 26, 2026
Enova International, Inc. (ENVA) Hits Fresh High: Is There Still Room to Run?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.
Seeking Alpha·Jun 25, 2026
Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial SynergiesEnova 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.
Zacks Investment Research·Jun 23, 2026
Why Enova International (ENVA) is a Top Growth Stock for the Long-TermThe Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
Zacks Investment Research·Jun 22, 2026
3 Consumer Loan Stocks Poised to Gain From Improving Industry DynamicsWhile subdued asset quality and macro uncertainty are concerns, higher rates for long, digitization and easier lending criteria support the Zacks Consumer Loans industry. So, firms like CACC, ENVA and ECPG are poised to gain.
Peers Comparison
Key metrics vs top competitors for Enova International, Inc. (ENVA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $237.00 | $5.91B | 20.47 | 18.58% | 9.79% | 24.34% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $41.88 | $393.54M | 9.41 | 9.7% | 7.4% | 13.16% | — | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $95.90 | $1.58B | 12.75 | 1.53% | 22.15% | 12.33% | — | |
| $5.68 | $259.79M | 10.72 | 19.49% | 2.9% | 4.63% | — |
Compare ENVA vs Peers
Enova International, Inc. (ENVA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
ENVA SEC Filings & Documents
Enova International, Inc. (ENVA) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
Apr 23, 2026·SEC
Material company update
Apr 1, 2026·SEC
Material company update
Jan 27, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
6Get notified when ENVA posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
ENVA Frequently Asked Questions
Enova International, Inc. (ENVA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Enova International, Inc.'s revenue?
Enova International, Inc. (ENVA) reported $3.28B in revenue for fiscal year 2025.
How fast is Enova International, Inc. growing?
Enova International, Inc. (ENVA) grew revenue by 18.6% over the past year. This is strong growth.
Is ENVA profitable?
Yes, Enova International, Inc. (ENVA) is profitable, generating $326.5M in net income for fiscal year 2025 (9.8% net margin).
Dividend & Returns
What is ENVA's return on equity?
Enova International, Inc. (ENVA) has a return on equity (ROE) of 24.3%. This is excellent, indicating efficient use of shareholder capital.
What is Enova International, Inc.'s free cash flow?
Enova International, Inc. (ENVA) generated $1.86B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.