# Enova International, Inc. (ENVA)

> Source: Nexqual · https://nexqual.com/ENVA · data as of 2026-10-15 20:00 UTC · cite as "Nexqual, Enova International, Inc. (ENVA), nexqual.com/ENVA" · informational, not investment advice.

**Price:** USD 177.52 (+1.92% on the day) · last close of Oct 15, 2026; US market closed, not a live price. Prev close 174.18 · day 173.09–178.31 · 52w 107.15–267.45 · market cap $4.42B · NYQ

## Key facts
- 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)
| 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)
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
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)
|  | 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) |

## Peers (Credit Services)
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%

## More
Full page: https://nexqual.com/ENVA · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt