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Enova International Inc

ENVA

119.570USD

+0.350+0.29%

Close 10/31, 16:00（ET）Quotes delayed by 15 min

2.98BMarket Cap

10.15P/E TTM



Enova International Inc

119.570

+0.350+0.29%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Enova International Inc

Currency: USD Updated: 2025-10-31

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. The company is performing well in the stock market, with strong fundamentals and technicals supporting the current trend. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Enova International Inc's Score

Industry at a Glance

Industry Ranking

12 / 408

Overall Ranking

45 / 4618

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 8 analysts

Buy

Current Rating

140.625

Target Price

+17.95%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Enova International Inc Highlights

StrengthsRisks

Enova International, Inc. is a technology and analytics company, which is focused on providing online financial services. The Company offers or arranges loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. It also offers financing to small businesses in 49 states and Washington D.C. in the United States. Its customers include small businesses which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company’s products and services include consumer installment loans; small business installment loans; consumer line of credit accounts; small business line of credit accounts; CSO program, and bank programs. It markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com, Headway Capital at www.headwaycapital.com and Pangea at www.pangeamoneytransfer.com.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 36.86% year-on-year.

Overvalued

The company’s latest PB is 2.32, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 24.72M shares, decreasing 2.43% quarter-over-quarter.

Held by John Hussman

Star Investor John Hussman holds 10.50K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.07.

Financial Health

Currency: USD Updated: 2025-10-31

The company's current financial score is 8.45, which is higher than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is high. Its latest quarterly revenue reached 460.71M, representing a year-over-year increase of 15.07%, while its net profit experienced a year-over-year increase of 85.00%.

Score

Industry at a Glance

Previous score

8.45

Change



Financials

6.99

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

10.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

7.89

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.37

Key Metrics

Free cash flow

No Data

Enova International Inc's Company Valuation

Currency: USD Updated: 2025-10-31

The company’s current valuation score is 6.65, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 10.41, which is 56.60% below the recent high of 16.31 and 43.53% above the recent low of 5.88.

Score

Industry at a Glance

Previous score

6.65

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 12/408

No Data

Earnings Forecast

Currency: USD Updated: 2025-10-31

The company’s current earnings forecast score is 8.50, which is higher than the Banking Services industry's average of 7.39. The average price target for Enova International Inc is 144.00, with a high of 150.00 and a low of 111.00.

Score

Industry at a Glance

Previous score

8.50

Change

Support & Resistance

No Data

Analyst Rating

Based on 8 analysts

Buy

Current Rating

140.625

Target Price

+17.95%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Enova International Inc

ENVA

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-10-31

The company’s current price momentum score is 9.12, which is higher than the Banking Services industry's average of 7.35. Sideways: Currently, the stock price is trading between the resistance level at 130.59 and the support level at 105.79, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.10

Change

0.02

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

2.437

Buy

RSI(14)

56.270

Neutral

STOCH(KDJ)(9,3,3)

58.531

Neutral

ATR(14)

4.779

Low Volatility

CCI(14)

61.064

Neutral

Williams %R

33.266

Buy

TRIX(12,20)

0.110

Sell

StochRSI(14)

10.908

Sell

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

120.130

Sell

MA10

117.424

Buy

MA20

112.882

Buy

MA50

116.938

Buy

MA100

112.192

Buy

MA200

105.565

Buy

Institutional Confidence

Currency: USD Updated: 2025-10-31

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 98.84%, representing a quarter-over-quarter decrease of 2.93%. The largest institutional shareholder is The Vanguard, holding a total of 2.03M shares, representing 8.19% of shares outstanding, with 5.45% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

3.75M

-5.59%

The Vanguard Group, Inc.

Star Investors

2.03M

+0.90%

Dimensional Fund Advisors, L.P.

1.30M

-5.47%

State Street Investment Management (US)

978.36K

-1.37%

Renaissance Technologies LLC

Star Investors

750.54K

-3.06%

BlackRock Financial Management, Inc.

604.68K

+7.37%

Geode Capital Management, L.L.C.

594.92K

-3.40%

Empyrean Capital Partners, LP

567.54K

+10.67%

Wellington Management Company, LLP

456.71K

+2.64%

UBS Financial Services, Inc.

443.37K

+65.34%

Risk Assessment

Currency: USD Updated: 2025-10-31

The company’s current risk assessment score is 7.27, which is higher than the Banking Services industry's average of 6.60. The company's beta value is 1.47. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.