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    Enova International Inc (ENVA)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $177.58
    +3.40 (+1.95%)

    Market Cap: $4.40B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    87%(34/39)
    Avg Surprise
    +22.69%
    Streak
    11 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$4.40
    Range$4.36 - $4.44
    4 analysts
    EPS Revisions
    1
    0
    7d
    4
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$4.12+6.8%
    60d ago$4.12+6.7%
    30d ago$4.38+0.4%
    7d ago$4.38+0.4%
    Current$4.40
    Revenue Consensus
    $1.0B
    Range$1.0B - $1.0B
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$5.22
    Range$4.95 - $5.42
    4 analysts
    Revenue Consensus
    $1.1B
    Range$1.1B - $1.1B
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$5.22---
    Sep 26EST
    		-$4.40---
    Jun 26
    Reported Jul 23
    		$4.05$3.73+8.58%Beat+25.4%
    Mar 26
    Reported Apr 23
    		$3.87$3.68+5.16%Beat+29.9%
    Dec 25
    Reported Jan 27
    		$3.46$3.17+9.15%Beat+32.6%
    Sep 25
    Reported Oct 23
    		$3.36$3.03+10.89%Beat+37.1%
    Jun 25
    Reported Jul 24
    		$3.23$2.98+8.39%Beat+46.2%
    Mar 25
    Reported Apr 29
    		$2.98$2.76+7.97%Beat+56.0%
    Dec 24
    Reported Feb 4
    		$2.61$2.27+14.98%Beat+42.6%
    Sep 24
    Reported Oct 22
    		$2.45$2.31+6.06%Beat+63.3%
    Jun 24
    Reported Jul 23
    		$2.21$2.07+6.76%Beat+28.5%
    Mar 24
    Reported Apr 23
    		$1.91$1.72+11.05%Beat+6.7%
    Dec 23
    Reported Jan 30
    		$1.83$1.66+10.24%Beat+4.0%
    Sep 23
    Reported Oct 24
    		$1.50$2.00-25.00%Miss-13.8%
    Jun 23
    Reported Jul 25
    		$1.72$1.68+2.38%Beat+4.9%
    Mar 23
    Reported Apr 25
    		$1.79$1.53+16.99%Beat+7.2%
    Dec 22
    Reported Feb 1
    		$1.76$1.71+2.92%Beat+9.3%
    Sep 22
    Reported Oct 27
    		$1.74$1.64+6.10%Beat+16.0%
    Jun 22
    Reported Jul 28
    		$1.64$1.53+7.19%Beat-27.4%
    Mar 22
    Reported May 3
    		$1.67$1.57+6.37%Beat-24.1%
    Dec 21
    Reported Feb 3
    		$1.61$1.18+36.44%Beat-32.6%
    Sep 21
    Reported Oct 28
    		$1.50$1.11+35.14%Beat-49.5%
    Jun 21
    Reported Jul 29
    		$2.26$1.31+72.52%Beat+34.5%
    Mar 21
    Reported Apr 29
    		$2.20$1.29+70.54%Beat+746.2%
    Dec 20
    Reported Feb 4
    		$2.39$1.23+94.31%Beat+159.8%
    Sep 20
    Reported Oct 27
    		$2.97$0.80+271.25%Beat+245.3%
    Jun 20
    Reported Jul 28
    		$1.68$0.92+82.61%Beat+107.4%
    Mar 20
    Reported Apr 28
    		$0.26N/A-80.60%Miss-77.6%
    Dec 19
    Reported Jan 29
    		$0.92$1.08-14.81%Miss+76.9%
    Sep 19
    Reported Oct 24
    		$0.86$0.81+6.17%Beat+87.0%
    Jun 19
    Reported Jul 25
    		$0.81$0.64+26.56%Beat+37.3%
    Mar 19
    Reported Apr 25
    		$1.16$0.95+22.11%Beat+13.7%
    Dec 18
    Reported Jan 31
    		$0.52$0.52+0.00%Beat+100.0%
    Sep 18
    Reported Oct 25
    		$0.46$0.47-2.13%Miss+84.0%
    Jun 18
    Reported Jul 26
    		$0.59$0.53+11.32%Beat+43.9%
    Mar 18
    Reported Apr 26
    		$1.02$0.67+52.24%Beat+126.7%
    Dec 17
    Reported Feb 1
    		$0.26$0.23+13.04%Beat+4.0%
    Sep 17
    Reported Oct 26
    		$0.25$0.16+56.25%Beat-
    Jun 17
    Reported Jul 27
    		$0.41$0.37+10.81%Beat-
    Mar 17
    Reported Apr 27
    		$0.45$0.40+12.50%Beat-
    Dec 16
    Reported Feb 2
    		$0.25$0.27-7.41%Miss-

    Key Metrics

    Valuation
    P/E Ratio12.05EV/EBITDA18.05x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin21.00%Operating Margin29.90%
    ROE26.10%ROIC5.43%
    Financial Health
    Debt/Equity3.35xInterest Coverage1.25x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.28Avg Volume383.25K
    52-Week High$267.4552-Week Low$106.46

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$178.21
    SMA 20$174.37
    SMA 50$210.76
    SMA 200$182.95
    EMA 10$177.13
    EMA 20$181.57
    EMA 50$197.57
    EMA 200$184.90

    MACD

    Line: -8.04Signal: -10.59Hist: 2.54

    ADX

    ADX: 40.2+DI: 18.1-DI: 33.1

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$183.55

    Bollinger Bands

    Upper Band$184.46
    Lower Band$164.28
    %B Position1157%(Upper)
    Band Width0.66

    RSI (14-Day)

    Neutral
    40.7

    Momentum Oscillators

    Stoch %K55.1
    Stoch %D56.5
    Williams %R-34.7
    ROC (10d)3.6%
    Momentum6.09
    CCI (20d)33.3
    MFI (14d)41.4

    Volatility Measures

    ATR (14d)$6.46(3.6%)
    StdDev (20d)5.04
    Hist Vol28.0%(Moderate)

    Volume Flow

    VWAP$176.32
    OBV7.6M
    AD Line1.1M
    CMF (20d)-0.039

    Volume Metrics

    Avg Vol (20d)357.7K
    Vol Ratio0.6x
    VWMA (20d)$174.26

    Pivot Points

    R3$180.73
    R2$177.52
    R1$175.85
    Pivot Point$172.63
    S1$170.96
    S2$167.75
    S3$166.08

    Advanced Oscillators

    TSI-27.70
    Ultimate Osc54.1
    KST-152.97

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$831.11M$781.10M$750.37M$715.72M$681.26M$665.00M$652.56M$613.02M$557.48M$544.29M$526.38M$502.69M
    Cost of RevenueN/A$8.91M$337.50M$428.93M$405.37M$399.90M$393.50M$366.47M$329.20M$329.62M$315.76M$280.42M
    Gross ProfitN/A$866.23M$501.89M$373.75M$358.68M$345.64M$336.05M$323.45M$299.24M$280.27M$267.83M$270.94M
    Operating Expenses$691.78M$668.04M$652.74M$605.90M$579.94M$573.64M$574.36M$536.21M$483.38M$479.10M$486.05M$447.63M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$209.76M$186.65M$196.78M$184.11M$171.90M$155.20M$153.71M$145.06M$130.79M$97.54M$103.73M
    Interest Income$0$0$0$0$0$0$0$0$0$0$0$0
    Interest Expense$97.82M$94.05M$89.03M$86.95M$82.78M$80.54M$76.99M$76.90M$70.95M$65.60M$57.21M$48.67M
    Income Before Tax$140.11M$112.86M$98.78M$110.17M$101.05M$91.03M$77.40M$55.49M$73.56M$64.66M$41.63M$55.21M
    Income Tax Expense$35.05M$21.77M$19.80M$29.86M$24.90M$18.08M$13.70M$12.07M$19.65M$16.23M$6.86M$13.93M
    Net Income$105.06M$91.10M$78.98M$80.31M$76.15M$72.94M$63.70M$43.41M$53.91M$48.43M$34.77M$41.28M
    EBITDA$152.05M$126.28M$110.95M$126.54M$115.81M$105.26M$92.17M$91.89M$86.85M$79.39M$52.75M$67.57M
    EBIT$139.33M$113.06M$97.62M$109.82M$101.33M$91.36M$78.21M$76.81M$74.10M$65.19M$40.33M$55.07M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Lobbying Update: $40,000 of ENOVA INTERNATIONAL INC. lobbying was just disclosed

    ENOVA INTERNATIONAL INC. (ENVA) recently disclosed $40,000 in lobbying expenses for Q3 2026, focusing on financial services, regulatory reform...

    Quiver Quantitative•10/16/26•Somewhat-Bearish

    Securities Fraud Investigation Into Enova International, Inc. (ENVA) Continues – Shareholders Who Lost Money Urged To Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm

    Glancy Prongay Wolke & Rotter LLP is continuing its securities fraud investigation into Enova International, Inc. (ENVA) following the company's withdrawal of applications for its acquisition of Grasshopper Bancorp....

    GlobeNewswire•10/15/26•Bearish

    Enova International (ENVA) Expected to Post Quarterly Earnings on Thursday

    Enova International (ENVA) is set to report its Q3 2026 earnings on Thursday, October 22nd, with analysts expecting $4.42 EPS and $1.00 billion in revenue. The company exceeded expectations in the previous quarter...

    MarketBeat•10/15/26•Somewhat-Bullish

    Securities Fraud Investigation Into Enova International,

    The Law Offices of Frank R. Cruz is continuing its securities fraud investigation into Enova International, Inc. (ENVA) on behalf of investors. This follows Enova's announcement on September 14, 2026...

    GlobeNewswire•10/14/26•Bearish

    Enova Amends $200M NetCredit 2022 Securitization: Revolving to 2028, Maturity 2030 at SOFR+4%

    Enova International has amended its $200 million asset-backed note facility for NetCredit Receivables 2022. The updated terms include a borrowing rate of SOFR plus 4.00%, a revolving period extended to October 15, 2028...

    TradingView•10/13/26•Bullish

    ENVA Valuation and Fair Value

    P/E
    12.0x
    Forward P/E
    8.3x
    EV/EBITDA
    18.0x
    PEG
    0.0x
    P/B
    3.0x
    See GNG's fair value

    ENVA Profitability: Margins, ROIC and FCF

    Operating margin
    29.9%
    Net margin
    21.0%
    ROIC
    5.4%
    ROE
    26.1%
    FCF margin
    63.8%

    ENVA Competitors

    CompanyTicker
    Radian Group IncRDN
    Accelerant HoldingsARX
    First Financial Bankshares IncFFIN
    ServisFirst Bancshares IncSFBS
    Qudian IncQD
    Blue Owl Technology Finance Corp.OTF
    The Baldwin Insurance Group, Inc.BWIN
    International Bancshares CorporationIBOC

    Sector: Financial Services

    ENVA Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    2
    Buy
    4
    Hold
    0
    Sell
    0
    Strong Sell
    0

    ENVA Bull Case vs Bear Case

    Bull case

    • ENVA converts 63.8% of revenue into free cash flow.
    • ENVA has a 21.0% net profit margin.
    • ENVA beat EPS estimates in 100.0% of its last 8 reported quarters.

    Bear case

    • ENVA has a debt-to-equity ratio of 3.3x.

    ENVA Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    8.9%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $4.40
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    4 up, 1 down

    Frequently Asked Questions About ENVA

    Does ENVA pay dividends?

    Enova International Inc (ENVA) does not currently pay a regular dividend.

    What is ENVA's P/E ratio?

    Enova International Inc has a price-to-earnings (P/E) ratio of 12.05.

    What is ENVA's market cap?

    Enova International Inc (ENVA) has a market capitalization of $4.40B with a current stock price of $177.58.

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