Enova International (ENVA) Stock Price, News & Analysis

Company Overview

Enova International, Inc. is a technology-driven financial services company that provides online credit products to consumers and small businesses. The company uses data analytics, automated decision-making and digital platforms to evaluate applications, originate loans and manage customer accounts.

Enova’s consumer finance business offers products such as installment loans and lines of credit through brands including CashNetUSA and NetCredit. Its small-business finance operations provide term loans and lines of credit through the OnDeck platform, which Enova acquired in 2020.

Founded in 2004 and headquartered in Chicago, Illinois, Enova serves customers primarily in the United States, as well as selected international markets, including the United Kingdom and Australia. David Fisher has served as the company’s chief executive officer since 2013.

Key Stats

• Today's Range: $177.68 to $179.75
• 50-Day Range: $167.02 to $265.93
• 52-Week Range: $106.46 to $267.45
• Volume: 8,936 shs
• Average Volume: 322,405 shs
• Market Capitalization: $4.47 billion
• P/E Ratio: 13.28
• Dividend Yield: N/A
• Price Target: $230.83
• Consensus Rating: Moderate Buy

Enova International Stock Analysis - MarketRank™

Enova International scored higher than 92% of companies evaluated by MarketBeat, and ranked 162nd out of 847 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 4.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Enova International has received a consensus rating of Moderate Buy. The company's average rating score is 2.89, and is based on no strong buy ratings, 8 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

Enova International has a consensus price target of $230.83, representing about 28.5% upside from its current price of $179.68.

Amount of Analyst Coverage

Enova International has been the subject of 7 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 21.00%

Earnings Growth

Earnings for Enova International are expected to grow by 21.00% in the coming year, from $16.33 to $19.76 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Enova International is 13.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Enova International is 13.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.78.

Price to Book Value per Share Ratio

Enova International has a P/B Ratio of 3.78. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

8.29% of the float of Enova International has been sold short.

Short Interest Ratio / Days to Cover

Enova International has a short interest ratio ("days to cover") of 4.41.

Change versus previous month

Short interest in Enova International has recently decreased by 7.49%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Enova International does not currently pay a dividend.

Dividend Growth

Enova International does not have a long track record of dividend growth.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.08

News Sentiment

Enova International has a news sentiment score of 0.08. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.67 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Enova International this week, compared to 4 articles on an average week.

Search Interest

Only 3 people have searched for ENVA on MarketBeat in the last 30 days. This is a decrease of -70% compared to the previous 30 days.

MarketBeat Follows

Only 5 people have added Enova International to their MarketBeat watchlist in the last 30 days. This is a decrease of -17% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Enova International insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $8,185,473.00 in company stock.

Percentage Held by Insiders

8.40% of the stock of Enova International is held by insiders.

Percentage Held by Institutions

89.43% of the stock of Enova International is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/23/2026
• Today: 10/16/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:ENVA
• CIK: 1529864
• Web: www.enova.com
• Phone: (312) 568-4200
• Fax: 312-268-6465
• Employees: 1,836
• Year Founded: 2004

Price Target and Rating

• Average Price Target for Enova International: $230.83
• High Price Target: $275.00
• Low Price Target: $200.00
• Potential Upside/Downside: +28.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.89
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): $13.49
• Trailing P/E Ratio: 13.28
• Forward P/E Ratio: 11.00
• P/E Growth: N/A
• Net Income: $308.39 million
• Net Margins: 10.31%
• Pretax Margin: 13.40%
• Return on Equity: 26.66%
• Return on Assets: 5.55%

Debt

• Debt-to-Equity Ratio: 3.35
• Current Ratio: 18.42
• Quick Ratio: 18.42

Sales & Book Value

• Annual Sales: $3.15 billion
• Price / Sales: 1.42
• Cash Flow: $13.85 per share
• Price / Cash Flow: 12.97
• Book Value: $47.52 per share
• Price / Book: 3.78

Miscellaneous

• Outstanding Shares: 24,900,000
• Free Float: 22,807,000
• Market Cap: $4.47 billion
• Optionable: Optionable
• Beta: 1.28