/ENVA
ENVA Stock - Enova International, Inc.
Financial Services|Financial - Credit ServicesNYSE
$158.00-0.15%
$0.24 (-0.15%) • Jan 13
75
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.99
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).74
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.69
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+12.2%upside
Target: $177.28
AI Analysis PreviewPremium
Real-time AI-powered market analysis
Precise entry/exit price targets
Risk assessment & position sizing
Unlock GoAI Insights for ENVA
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Buy/Sell Signals
94% win rate on Alpha signals
Deep Analysis
Institutional-grade thesis
Real-Time Alerts
SMS & push notifications
Risk Scoring
Multi-factor analysis
Free 14-day trial • No credit card required
Active Trade Setup
ENTRY ZONE$156.42 – $159.58
TARGET (TP)$177.33
STOP LOSS$145.36
RISK/REWARD1:1.5
Premium members get real-time SMS alerts
Price Chart
Financial Statements
Revenue & Profitability Trend
← Swipe to see more →
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.27
52W High$168.68
52W Low$79.41
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $2.66B | $2.12B | $1.74B | $1.21B | $1.08B |
| Gross Profit | $1.24B | $1.04B | $1.00B | $947.75M | $597.50M |
| Gross Margin | 46.6% | 48.9% | 57.7% | 78.5% | 55.1% |
| Operating Income | $584.76M | $422.13M | $383.99M | $413.06M | $357.80M |
| Net Income | $209.45M | $175.12M | $207.42M | $256.30M | $377.84M |
| Net Margin | 7.9% | 8.3% | 11.9% | 21.2% | 34.9% |
| EPS | $7.78 | $5.71 | $6.42 | $7.05 | $11.85 |
Company Overview
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
75%
Hold / Neutral
1
25%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
3 Bullish1 Neutral/Bearish
Price Targets
$74
Average Target
↓ 53.5% Downside
Now
$17
Low
$74
Average
$124
High
Based on 6 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| May 14th 2025 | Seaport Research Partners | Initiation | Buy | $124 |
| April 1st 2025 | TD Cowen | Upgrade | Buy | $17 |
| November 13th 2024 | Stephens | Initiation | Overweight | $108 |
| August 26th 2024 | Janney | Downgrade | Neutral | - |
| August 14th 2024 | BTIG Research | Initiation | Buy | $90 |
| January 10th 2024 | BMO Capital Markets | Initiation | Market Perform | $57 |
| November 1st 2023 | TD Cowen | Initiation | Market Perform | $45 |
Earnings History & Surprises
ENVABeat Rate
94%
Last 18 quarters
Avg Surprise
+12.7%
EPS vs Estimate
Beats / Misses
17/1
Last 12 quarters
Latest EPS
$3.36
Q4 2025
EPS Surprise History
Q1 24
+7.0%
$1.83vs$1.71
Q2 24
+11.0%
$1.91vs$1.72
Q3 24
+6.8%
$2.21vs$2.07
Q4 24
+6.5%
$2.45vs$2.30
Q1 25
+12.0%
$2.61vs$2.33
Q2 25
+7.6%
$2.98vs$2.77
Q3 25
+8.8%
$3.23vs$2.97
Q4 25
+10.9%
$3.36vs$3.03
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 27, 2026 | — | — | — | — |
Q1 2026 | Feb 3, 2026 | $3.20 | — | — | — |
Q4 2025 | Oct 23, 2025 | $3.03 | $3.36 | +10.9% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $2.97 | $3.23 | +8.8% | ✓ BEAT |
Q2 2025 | Apr 29, 2025 | $2.77 | $2.98 | +7.6% | ✓ BEAT |
Q1 2025 | Feb 4, 2025 | $2.33 | $2.61 | +12.0% | ✓ BEAT |
Q4 2024 | Oct 22, 2024 | $2.30 | $2.45 | +6.5% | ✓ BEAT |
Q3 2024 | Jul 23, 2024 | $2.07 | $2.21 | +6.8% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $1.72 | $1.91 | +11.0% | ✓ BEAT |
Q1 2024 | Jan 30, 2024 | $1.71 | $1.83 | +7.0% | ✓ BEAT |
Q4 2023 | Oct 24, 2023 | $2.00 | $1.50 | -25.0% | ✗ MISS |
Q3 2023 | Jul 25, 2023 | $1.68 | $1.72 | +2.4% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $1.53 | $1.79 | +17.0% | ✓ BEAT |
Q1 2023 | Feb 1, 2023 | $1.71 | $1.76 | +2.9% | ✓ BEAT |
Q4 2022 | Oct 27, 2022 | $1.64 | $1.74 | +6.1% | ✓ BEAT |
Q3 2022 | Jul 28, 2022 | $1.53 | $1.64 | +7.2% | ✓ BEAT |
Q2 2022 | May 3, 2022 | $1.57 | $1.67 | +6.4% | ✓ BEAT |
Q1 2022 | Feb 3, 2022 | $1.18 | $1.61 | +36.4% | ✓ BEAT |
Q4 2021 | Oct 28, 2021 | $1.11 | $1.50 | +35.1% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $1.34 | $2.26 | +68.7% | ✓ BEAT |
Latest News
Correction: TD Cowen Maintains Buy on Enova International, Raises Price Target to $180 (Rating change from Hold to Buy)
📈 PositiveBenzinga•Jan 8, 2026, 06:04 PM
Enova International And Grasshopper Entered Into An Amendment No. 1 To The Merger Agreement; Under Amendment, Stockholders Will Not Have Right To Make Election & Will Instead Receive Both Cash And Stock In Merger
➖ NeutralBenzinga•Dec 18, 2025, 10:21 PM
Key deals this week: Pinterest, Enova International, APi Group, Intel and more
➖ NeutralSeeking Alpha•Dec 13, 2025, 08:15 PM•Also: , ,
Enova, eToro, NP, SLM among week's biggest financials movers
➖ NeutralSeeking Alpha•Dec 13, 2025, 03:10 PM•Also:
Citizens Maintains Market Outperform on Enova International, Raises Price Target to $180
📈 PositiveBenzinga•Dec 12, 2025, 01:03 PM
BTIG Maintains Buy on Enova International, Raises Price Target to $199
📈 PositiveBenzinga•Dec 12, 2025, 10:40 AM
Enova To Snap Grasshopper Bank in $369M Cash-and-Stock Deal
📈 PositiveBenzinga•Dec 11, 2025, 12:05 PM
Enova International Announces $400M Buyback Plan
📈 PositiveBenzinga•Nov 12, 2025, 09:35 PM
Enova International shares are trading higher following a Q3 earnings beat.
📈 PositiveBenzinga•Oct 24, 2025, 03:57 PM
JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $149
📈 PositiveBenzinga•Oct 24, 2025, 11:57 AM•Also:
BTIG Maintains Buy on Enova International, Raises Price Target to $144
📈 PositiveBenzinga•Oct 24, 2025, 09:46 AM•Also:
Enova International Q3 Adj. EPS $3.36 Beats $3.03 Estimate, Sales $803.000M Miss $806.645M Estimate
📈 PositiveBenzinga•Oct 23, 2025, 08:20 PM
Enova Non-GAAP EPS of $2.98 beats by $0.22, revenue of $746M beats by $11.86M
📈 PositiveSeeking Alpha•Apr 29, 2025, 08:41 PM
Frequently Asked Questions about ENVA
What is ENVA's current stock price?
Enova International, Inc. (ENVA) is currently trading at $158.00 per share. The stock has moved -0.15% today.
What is the analyst price target for ENVA?
The average analyst price target for ENVA is $177.33, based on 1 analyst.
What sector is Enova International, Inc. in?
Enova International, Inc. operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NYSE exchange.
What is ENVA's market cap?
Enova International, Inc. has a market capitalization of $3.92 billion, making it a mid-cap company.
Does ENVA pay dividends?
No, Enova International, Inc. does not currently pay a dividend to shareholders.
Similar Stocks
Financial Services SectorAPAM
Artisan Partners Asset Management Inc.
$42.84
Mkt Cap: $3.0B
BFH
Bread Financial Holdings, Inc.
$70.75
Mkt Cap: $3.2B
BKU
BankUnited, Inc.
$44.32
Mkt Cap: $3.3B
CATY
Cathay General Bancorp
$49.08
Mkt Cap: $3.3B
ETOR
eToro Group Ltd.
$31.14
Mkt Cap: $2.6B
FBP
First BanCorp.
$20.80
Mkt Cap: $3.4B
FHB
First Hawaiian, Inc.
$26.04
Mkt Cap: $3.2B
WSBC
WesBanco, Inc.
$33.44
Mkt Cap: $3.2B
WSFS
WSFS Financial Corporation
$55.75
Mkt Cap: $3.0B
WU
The Western Union Company
$9.24
Mkt Cap: $2.9B
Explore stocks similar to ENVA for comparison