Enova International (NYSE:ENVA) Releases FY 2026 Earnings Guidance

Key Points

• Enova issued FY 2026 guidance for EPS of $16.85–$17.50 and revenue of $3.8–$3.9 billion, broadly in line with analyst expectations. Q3 2026 EPS guidance was set at $4.37.
• The company’s latest quarterly results exceeded estimates, with EPS of $4.31 versus $3.99 expected and revenue of $928.93 million versus $909.61 million; revenue increased 21.6% year over year.
• Analysts maintain a generally positive outlook, with an average “Buy” rating and a $247.83 price target, while Enova shares traded up 1.5% to $226.75. Insiders have sold approximately $15.75 million of stock over the past 90 days.

Enova International (NYSE:ENVA - Get Free Report) updated its FY 2026 earnings guidance on Monday morning. The company provided earnings per share guidance of 16.850-17.500 for the period, compared to the consensus estimate of 17.020. The company issued revenue guidance of $3.8 billion-$3.9 billion, compared to the consensus revenue estimate of $3.9 billion. Enova International also updated its Q3 2026 guidance to 4.370-4.370 EPS.

Enova International Trading Up 1.5%

Shares of NYSE:ENVA traded up $3.27 during mid-day trading on Monday, reaching $226.75. 192,471 shares of the company's stock were exchanged, compared to its average volume of 305,951. The firm has a market capitalization of $5.65 billion, a price-to-earnings ratio of 16.81 and a beta of 1.21. The business's fifty day moving average price is $240.92 and its 200-day moving average price is $191.38. The company has a debt-to-equity ratio of 3.35, a quick ratio of 18.42 and a current ratio of 18.42. Enova International has a twelve month low of $103.02 and a twelve month high of $267.45.

Enova International (NYSE:ENVA - Get Free Report) last issued its quarterly earnings results on Thursday, July 23rd. The credit services provider reported $4.31 earnings per share for the quarter, topping analysts' consensus estimates of $3.99 by $0.32. The firm had revenue of $928.93 million during the quarter, compared to the consensus estimate of $909.61 million. Enova International had a return on equity of 26.66% and a net margin of 10.31%.The business's revenue was up 21.6% compared to the same quarter last year. During the same period last year, the business posted $3.23 EPS. On average, research analysts predict that Enova International will post 16.3 EPS for the current fiscal year.

Wall Street Analysts Forecast Growth

ENVA has been the subject of a number of research reports. Citigroup reissued a "market outperform" rating on shares of Enova International in a research report on Friday, July 24th. Wall Street Zen cut shares of Enova International from a "strong-buy" rating to a "buy" rating in a report on Saturday, August 22nd. Jefferies Financial Group upped their price objective on Enova International from $260.00 to $280.00 and gave the company a "buy" rating in a research note on Wednesday, July 8th. Weiss Ratings reissued a "buy (b-)" rating on shares of Enova International in a report on Friday, July 17th. Finally, BTIG Research raised their target price on Enova International from $199.00 to $270.00 and gave the stock a "buy" rating in a research report on Tuesday, June 30th. One research analyst has rated the stock with a Strong Buy rating and eight have issued a Buy rating to the stock. Based on data from MarketBeat.com, Enova International currently has an average rating of "Buy" and an average target price of $247.83.

Insider Activity

In other news, Director Mark Tebbe sold 20,000 shares of the company's stock in a transaction dated Thursday, June 18th. The stock was sold at an average price of $201.37, for a total value of $4,027,400.00. Following the completion of the transaction, the director directly owned 50,029 shares in the company, valued at approximately $10,074,339.73. This represents a 28.56% decrease in their position. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which can be accessed through this link. Also, Director William M. Goodyear sold 3,500 shares of the stock in a transaction that occurred on Tuesday, June 16th. The shares were sold at an average price of $188.02, for a total transaction of $658,070.00. Following the transaction, the director owned 50,820 shares in the company, valued at $9,555,176.40. The trade was a 6.44% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. Over the last ninety days, insiders sold 75,129 shares of company stock worth $15,753,056. 8.40% of the stock is owned by company insiders.

About Enova International

Enova International, Inc is a financial technology company that provides online financial services to consumers and small businesses. The company uses technology, data analytics and automated decision-making to offer credit products designed for customers who may have limited access to traditional bank financing.

Enova's consumer finance brands include CashNetUSA and NetCredit, which offer products such as short-term and installment loans, lines of credit and other forms of personal credit, subject to applicable laws and eligibility requirements.

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