Enova International/$ENVA
1D1W1MYTD1Y5YMAX
Capital at risk
About Enova International
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
- Ticker
- $ENVA
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 1,836
- Headquarters
- Chicago, United States
- Website
- www.enova.com
ENVA Metrics
BasicAdvanced
$4.3B
12.89
$13.46
1.21
-
Price and volume
Market cap
$4.3B
Beta
1.21
52-week high
$267.45
52-week low
$103.02
Average daily volume
368K
Financial strength
Current ratio
20.16
Quick ratio
19.136
Long term debt to equity
3.37
Total debt to equity
3.37
Profitability
Gross margin (TTM)
83.29%
Net profit margin (TTM)
21.01%
Operating margin (TTM)
27.81%
Effective tax rate (TTM)
23.05%
Revenue per employee (TTM)
$920,000
Management effectiveness
Return on assets (TTM)
5.49%
Return on equity (TTM)
26.08%
Valuation
Price to earnings (TTM)
12.887
Price to revenue (TTM)
2.55
Price to book
2.88
Price to tangible book (TTM)
3.55
Price to free cash flow (TTM)
2.209
Free cash flow yield (TTM)
45.27%
Free cash flow per share (TTM)
78.535
Growth
Revenue change (TTM)
24.05%
Earnings per share change (TTM)
43.71%
3-year revenue growth (CAGR)
18.67%
10-year revenue growth (CAGR)
10.40%
3-year earnings per share growth (CAGR)
29.69%
10-year earnings per share growth (CAGR)
32.60%
What the Analysts think about ENVA
Analyst ratings (Buy, Hold, Sell) for Enova International stock.
Analyst projections of the future price of Enova International stock.
Bulls say / Bears say
Enova is scaling quickly: second-quarter originations rose 27%, revenue rose 22% to $929 million and adjusted EPS rose 33%. Management also raised its full-year outlook to 20%–25% revenue growth and 30%–35% adjusted EPS growth. (Enova International)
Growth has so far come with better credit performance rather than simply looser lending. The consolidated net charge-off ratio fell to 7.3% from 8.1% a year earlier, the net revenue margin reached 61%, and consumer charge-offs improved to 12.8%. (Enova International, Enova International)
Even after abandoning the Grasshopper bank bid, Enova reaffirmed its 2026 guidance and plans to accelerate share repurchases. Management cited solid growth, credit trends, liquidity and balance-sheet flexibility, giving shareholders a clearer capital-return case without depending on the acquisition. (StockTitan, Finviz)
Credit losses improved, but delinquencies still need watching: the consolidated 30-plus-day delinquency rate rose to 7.5% from 7.1% a year earlier, while small-business delinquencies rose to 7.4% from 6.6%. A deterioration in Enova’s non-prime borrowers could quickly pressure margins and earnings. (Enova International, MetaTrader)
Enova withdrew its regulatory applications linked to the Grasshopper acquisition, removing the planned bank charter, deposit funding and geographic expansion benefits. That leaves investors without the deal’s expected long-term synergies and highlights the regulatory uncertainty around the strategy. (StockTitan, Finviz)
Operating expenses rose 27.6% year on year in the first half of 2026 and marketing costs rose 39.3%. If loan growth slows, this heavy investment and reliance on securitisation funding could weaken operating leverage and raise the cost of growth. (MetaTrader, StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 15 Sept 2026.
ENVA Financial Performance
Revenues and expenses
ENVA Earnings Performance
Company profitability
Upcoming events
No upcoming events
ENVA News
AllArticlesVideos
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law
Business Wire1 week ago
Securities Fraud Investigation Into Enova International, Inc. (ENVA) Announced – Shareholders Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm
Business Wire2 weeks ago
Enova Scraps Grasshopper Bank Acquisition After Pressure From State AGs
PYMNTS2 weeks ago
Funds containing ENVA
AllUSDGBPEUR
Fund name | Fund size | $ENVA weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.25% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.25% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.14% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.05% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.05% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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