Enova International (NYSE:ENVA) Updates Q3 2026 Earnings Guidance

Key Points

• Enova issued Q3 2026 guidance for EPS of $4.37, slightly above the $4.34 consensus, while revenue guidance of approximately $1.0 billion matched expectations. Full-year 2026 EPS guidance was updated to $16.85–$17.50.
• Analysts remain broadly positive, with an average “Buy” rating and an average price target of $247.83; several firms recently raised their targets to between $257 and $280.
• Enova shares rose 1.5% to $226.75, while the company’s latest quarterly results showed EPS and revenue exceeding consensus estimates, with revenue up 21.6% year over year.

Enova International (NYSE:ENVA - Get Free Report) issued an update on its third quarter 2026 earnings guidance on Monday morning. The company provided EPS guidance of 4.370-4.370 for the period, compared to the consensus estimate of 4.340. The company issued revenue guidance of $1.0 billion-$1.0 billion, compared to the consensus revenue estimate of $1.0 billion. Enova International also updated its FY 2026 guidance to 16.850-17.500 EPS.

Wall Street Analyst Weigh In

Several research firms have issued reports on ENVA. Citizens Jmp upped their price target on shares of Enova International from $195.00 to $270.00 and gave the company a "market outperform" rating in a research report on Friday, June 26th. Jefferies Financial Group upped their price objective on shares of Enova International from $260.00 to $280.00 and gave the stock a "buy" rating in a report on Wednesday, July 8th. Weiss Ratings restated a "buy (b-)" rating on shares of Enova International in a report on Friday, July 17th. TD Cowen raised their target price on Enova International from $250.00 to $257.00 and gave the company a "buy" rating in a research note on Friday, July 24th. Finally, Wall Street Zen lowered Enova International from a "strong-buy" rating to a "buy" rating in a research report on Saturday, August 22nd. 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 has an average rating of "Buy" and an average target price of $247.83.

Enova International Stock Up 1.5%

ENVA stock traded up $3.27 during trading on Monday, hitting $226.75. 192,471 shares of the stock traded hands, compared to its average volume of 305,951. The stock has a market cap of $5.65 billion, a price-to-earnings ratio of 16.81 and a beta of 1.21. The company has a debt-to-equity ratio of 3.35, a current ratio of 18.42 and a quick ratio of 18.42. Enova International has a 1 year low of $103.02 and a 1 year high of $267.45. The firm's 50 day moving average is $240.92 and its two-hundred day moving average is $191.38.

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

Insider Buying and Selling

In other news, Director William M. Goodyear sold 3,500 shares of the business's 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 completion of the transaction, the director directly owned 50,820 shares of the company's stock, valued at $9,555,176.40. The trade was a 6.44% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. Also, Chairman David Fisher sold 9,078 shares of Enova International stock in a transaction that occurred on Wednesday, August 26th. The stock was sold at an average price of $239.16, for a total transaction of $2,171,094.48. Following the completion of the sale, the chairman directly owned 306,444 shares of the company's stock, valued at approximately $73,289,147.04. This trade represents a 2.88% decrease in their position. Additional details regarding this sale are available in the official SEC disclosure. In the last ninety days, insiders sold 75,129 shares of company stock worth $15,753,056. 8.40% of the stock is owned by corporate 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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