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Enova International Inc

ENVA

116.660USD

+1.520+1.32%

Close 09/15, 16:00（ET）Quotes delayed by 15 min

2.92BMarket Cap

11.42P/E TTM



Enova International Inc

116.660

+1.520+1.32%

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

Currency: USD Updated：2025-09-15

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered undervalued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a weak stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

4 / 400

Overall Ranking

69 / 4724

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 8 analysts

Buy

Current Rating

129.875

Target Price

+12.80%

Upside Space

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

Company 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 2.38, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 25.47M shares, decreasing 5.69% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 2.03M 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：2025-09-15

The company's current financial score is 7.70, which is higher than the Banking Services industry's average of 7.33. Its financial status is stable, and its operating efficiency is average. Its latest quarterly revenue reached 426.18M, representing a year-over-year increase of 23.22%, while its net profit experienced a year-over-year increase of 50.63%.

Score

Industry at a Glance

Previous score

7.70

Change

0.92



Financials

8.29

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

7.80

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.04

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-15

The company’s current valuation score is 2.60, which is lower than the Banking Services industry's average of 4.39. Its current P/E ratio is 12.08, which is -7.71% below the recent high of 11.15 and 13.07% above the recent low of 10.50.

Score

Industry at a Glance

Previous score

1.80

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 4/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-15

The company’s current earnings forecast score is 8.50, which is higher than the Banking Services industry's average of 7.34. The average price target for Enova International Inc is 132.50, with a high of 140.00 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

129.875

Target Price

+12.80%

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：2025-09-15

The company’s current price momentum score is 9.78, which is higher than the Banking Services industry's average of 8.78. Sideways: Currently, the stock price is trading between the resistance level at 126.85 and the support level at 106.16, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.53

Change

1.48

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(4)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-1.210

Neutral

RSI(14)

53.905

Neutral

STOCH(KDJ)(9,3,3)

20.507

Neutral

ATR(14)

3.123

Low Volatility

CCI(14)

-67.165

Neutral

Williams %R

76.068

Sell

TRIX(12,20)

0.387

Sell

StochRSI(14)

55.472

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

116.352

Buy

MA10

118.391

Sell

MA20

116.244

Buy

MA50

112.283

Buy

MA100

104.990

Buy

MA200

102.949

Buy

Institutional Confidence

Currency: USD Updated：2025-09-15

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.35. The latest institutional shareholding proportion is 101.83%, representing a quarter-over-quarter increase of 1.04%. The largest institutional shareholder is The Vanguard, holding a total of 2.03M shares, representing 8.12% of shares outstanding, with 4.56% 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.

3.97M

-3.17%

The Vanguard Group, Inc.

Star Investors

2.01M

+0.43%

Dimensional Fund Advisors, L.P.

1.38M

-11.72%

State Street Global Advisors (US)

991.90K

-5.01%

Renaissance Technologies LLC

Star Investors

774.19K

-6.54%

BlackRock Financial Management, Inc.

563.19K

+0.43%

Geode Capital Management, L.L.C.

615.87K

+2.45%

Empyrean Capital Partners, LP

512.80K

+10.80%

Wellington Management Company, LLP

444.95K

-7.96%

UBS Financial Services, Inc.

268.16K

+10.31%

Risk Assessment

Currency: USD Updated：2025-09-15

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The company’s current risk assessment score is 5.55, which is higher than the Banking Services industry's average of 5.16. The company's beta value is 1.52. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.