Enova International, Inc. (ENVA) Stock Price & Analysis
Enova International, Inc. (ENVA) closed at USD 177.52 on Thursday, October 15, 2026, up 1.92% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 174.18; the Oct 15, 2026 session ranged USD 173.09–178.31 on volume of 231,768 shares. Market capitalization is $4.42B, with a 52-week range of USD 107.15–267.45 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:22 UTC.
Also available as compact Markdown for AI agents: nexqual.com/ENVA.md
Key facts (ENVA)
- Last four reported quarters (through Jun 30, 2026): revenue $3.45B, net income $355M (10.3% margin) (SEC filings).
- Valuation: P/E 12.4x (avg 12.2x at the last 3 fiscal year-ends).
- Analysts: Buy (mean 1.67 on a 1–5 scale) (6 analysts), mean target USD 238.5 (range 215–285).
- Total return with dividends: 1Y +65.8% vs S&P 500 +18.1%; 5Y +392.4% vs S&P 500 +85.1%.
- Next earnings: 2026-10-22, EPS estimate USD 4.4, revenue estimate $1.00B.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (ENVA)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B | $3.45B |
| Gross profit | $1.02B | $1.12B | $1.23B | $1.53B | $1.83B | — |
| Operating income | $413M | $384M | $422M | $585M | $739M | $828M |
| Net income | $256M | $207M | $175M | $209M | $308M | $355M |
| EPS (diluted) | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 | — |
| Free cash flow | $442M | $850M | $1.12B | $1.50B | $1.77B | $1.95B |
| Gross margin | 84.8% | 64.4% | 58.1% | 57.5% | 58.1% | — |
| Operating margin | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% | 24.0% |
| Net margin | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% | 10.3% |
| Revenue growth | +11.5% | +43.7% | +22.0% | +25.5% | +18.6% | — |
| Cash + short-term investments | $165M | $100M | $54.4M | $73.9M | $71.7M | — |
| Total debt | $1.38B | $2.26B | $2.94B | $3.56B | $4.50B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (ENVA)
P/E 12.4x · P/S 1.3x · P/FCF 2.3x · P/B 3.0x · FCF yield 44.18% · Earnings yield 8.04% · Buyback yield (TTM) 3.01%
P/E at fiscal year-ends: Dec 2025 13.6x, Dec 2024 12.9x, Dec 2023 10.1x.
Analysts (ENVA)
Consensus Buy (mean 1.67 on a 1–5 scale), 6 analysts; mean target USD 238.5 (low 215, high 285).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-07 | Jefferies | Target lowered | Buy | $300 → $275 |
| 2026-09-17 | Stephens & Co. | Target lowered | Overweight | $275 → $205 |
| 2026-09-15 | TD Cowen | Target lowered | Buy | $257 → $220 |
| 2026-09-15 | Citizens | Target lowered | Market Outperform | $270 → $215 |
| 2026-07-24 | TD Cowen | Target raised | Buy | $250 → $257 |
| 2026-07-08 | Jefferies | Target raised | Buy | $260 → $280 |
| 2026-07-07 | TD Cowen | Target raised | Buy | $190 → $250 |
| 2026-06-30 | BTIG | Target raised | Buy | $199 → $270 |
| 2026-06-26 | Citizens | Target raised | Market Outperform | $195 → $270 |
Total return (dividends reinvested) (ENVA)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | +65.8% | +392.4% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +66.1% | +37.5% |
| Volatility (annualized) | 47.8% | 43.1% |
| Max drawdown | -37.0% (Aug 2026→Sep 2026) | -38.8% (Feb 2022→Jun 2022) |
Key Statistics (as of October 16, 2026 at 05:22 UTC)
| Price | USD 177.52 |
|---|---|
| Change | ▲ 1.92% (up) |
| Previous Close | USD 174.18 |
| Open | USD 175.02 |
| Day Range | USD 173.09 – 178.31 |
| 52-Week Range | USD 107.15 – 267.45 |
| Volume | 231,768 shares |
| Market Cap | $4.42B |
| Exchange | NYQ |
Technical Analysis (ENVA)
Nexqual's technical model rates ENVA "SELL" based on 1 bullish and 4 bearish signals across 127 daily candles, as of October 16, 2026 at 05:22 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 38.55 (neutral) |
| vs SMA50 | Below (USD 210.76) |
| MACD | -8.05 (negative) |
Analyst Ratings (ENVA)
Wall Street analysts rate ENVA "Buy" based on 6 analysts, with a mean price target of USD 238.5 (range USD 215–285), per Nexqual as of October 16, 2026 at 05:22 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 6 |
| Mean Target | USD 238.5 |
| High Target | USD 285 |
| Low Target | USD 215 |
| Buy / Hold / Sell | 6 / 0 / 0 |
Earnings (ENVA)
| Next Earnings Date | 2026-10-22 |
|---|---|
| EPS Estimate | USD 4.4 |
| Revenue Estimate | $1.00B |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 4.31 vs est 3.96 ▲ beat |
| 2026-03-31 | USD 3.87 vs est 3.68 ▲ beat |
| 2025-12-31 | USD 3.46 vs est 3.17 ▲ beat |
| 2025-09-30 | USD 3.36 vs est 3.03 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Financials & Fundamentals (ENVA)
| Total Revenue | $1.69B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +31.10% |
| Gross Margin | +83.29% |
| Operating Margin | +29.94% |
| Profit Margin | +21.01% |
| ROE | +26.08% |
| Debt / Equity | 3.37 |
| Current Ratio | 20.15 |
| Total Cash | $135.27M |
| Total Debt | $5.05B |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Financial Health Score (ENVA)
Nexqual rates Enova International, Inc.'s overall financial health "Solid" across five dimensions, as of October 16, 2026 at 05:22 UTC.
| Growth | Strong — Revenue +19% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 83%, operating 30% |
| Balance Sheet | Weak — $135M cash vs $5.05B debt |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: Personal Credit Institutions) |
| Efficiency | Strong — ROE 26%, ROA 5.5% |
Ownership (ENVA)
| Insider Ownership | +4.53% |
|---|---|
| Institutional Ownership | +97.62% |
| Shares Outstanding | 24.90M |
| Float | 23.81M |
| Short % of Float | +9.48% |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Leadership (ENVA)
Enova International, Inc. is led by Steven E. Cunningham C.F.A. (age 55), CEO & Director, per Nexqual as of October 16, 2026 at 05:22 UTC.
| CEO & Director | Steven E. Cunningham C.F.A. (age 55) |
|---|---|
| Executive Chairman | David A. Fisher (age 56) |
| Chief Strategy Officer | Kirk L. F. Chartier (age 61) |
| CFO & Treasurer | Scott Cornelis (age 46) |
| CTO & Chief Analytics Officer | Joseph M. DeCosmo (age 59) |
Major Backers & Investors (ENVA)
Notable institutional backers of Enova International, Inc. include Invesco, FMR, LLC, Price (T.Rowe) Associates Inc, according to Nexqual as of October 16, 2026 at 05:22 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Invesco | 3.78% |
| FMR, LLC | 3.49% |
| Price (T.Rowe) Associates Inc | 3.41% |
| Renaissance Technologies | 3.12% |
| Fidelity | 2.67% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 26.27% |
| Vanguard Group | 11.79% |
| State Street | 4.08% |
| Dimensional Fund Advisors | 3.54% |
| Geode Capital | 2.84% |
Source: Nexqual, October 16, 2026 at 05:22 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| SEZL | Sezzle Inc. | USD 132.37 | ▲ 1.78% |
| NNI | Nelnet, Inc. | USD 128.02 | ▲ 0.86% |
| SLM | SLM Corporation | USD 22.22 | ▼ 2.11% |
| BFH | Bread Financial Holdings, Inc. | USD 101.31 | ▼ 0.98% |
| KLAR | Klarna Group plc | USD 13.51 | ▲ 0.97% |
| CACC | Credit Acceptance Corporation | USD 549.87 | ▲ 0.72% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:22 UTC. This page is informational and not investment advice.
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