Enova International, Inc. (ENVA) AI Stock Analysis

Enova International, Inc. provides online financial services using technology and analytics across the United States, Brazil, Australia, and Canada. Established in 2011, the company offers installment loans, line of credit accounts, receivables purchase agreements, and programs that facilitate loans through independent third-party lenders. It also partners with banks to provide marketing and loan servicing for near-prime unsecured consumer installment loans. Enova operates brands including CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea. Its business model uses advanced analytics to streamline loan applications, enhance customer experiences, and manage loans.

Annual revenue increased from $1.21B in FY2021 to $1.74B in FY2022, $2.12B in FY2023, $2.66B in FY2024, and $3.15B in FY2025, marking 18.6% growth in FY2025 and a 5-year revenue CAGR of 23.8%. Net income was $256.3M in FY2021, $207.4M in FY2022, $175.1M in FY2023, $209.4M in FY2024, and $308.4M in FY2025, with EPS rising from $7.57 to $13.03. Operating margin was 23.5% in FY2025, while gross margin stood at 50.1%. In the quarter ended June 30, 2026, revenue grew 31.1% year-over-year and earnings grew 39.9% year-over-year, with trailing twelve-month EPS reaching $13.41.

As of June 30, 2026, Enova held $122.2M in cash and short-term investments compared to total debt of $5.05B, resulting in net debt of $4.92B. Shareholders' equity was $1.50B, with a debt-to-equity ratio of 3.37 and a current ratio of 18.42. In FY2025, the company generated $1.82B in operating cash flow and $1.77B in free cash flow. Capital expenditures totaled $47.1M and share buybacks reached $214.6M, contributing to a 5-year share count reduction of 29.4%.

At its close of $177.89 on October 16, 2026, Enova had a market capitalization of $4.43B and an enterprise value of $9.13B. The stock trades at a trailing P/E of 13.3x, compared to the median of 12.1x for its US-listed Financial Services peers. Its forward P/E of 8.3x is below the peer median of 10.8x, and its price-to-sales ratio is 2.6x versus the peer median of 3.2x. Over the past year, Enova returned 66.1% compared to 16.8% for the S&P 500 (SPY), and its 5-year return of 393.5% outpaced the S&P 500 return of 83.0%.

Enova holds 4 Strong Buy ratings and 2 Buy ratings from Wall Street analysts, with no Hold, Sell, or Strong Sell ratings. The mean price target is $238.50, which is 34.1% above the last close of $177.89. For the fiscal year ending December 31, 2026, consensus estimates project EPS of $17.27 on revenue of $3.86B. For the following fiscal year, 4 analysts estimate EPS of $20.95 on revenue of $4.54B. Enova beat EPS estimates in all 4 of its last 4 quarters, with its next earnings date scheduled for October 22, 2026.

This page is an AI-written research summary of Enova International, Inc. (ENVA). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: ENVA income statement, ENVA balance sheet, ENVA key metrics, ENVA analyst forecast, ENVA chart. See the ENVA stock overview for the latest quote and news.