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Enova International, Inc. (ENVA) stock

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NYSE: ENVA NYSE Consumer Finance Next results ~January 26, 2027

B Fundamentals grade

Enova International, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.

Stock price today

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Third-party market data · may be delayed

Fair value per share

~$190

Valuation models combined (4)

Base case. Range ~$120–$230. Weighted average of 4 models (residual income, justified price-to-book, price-to-book vs return on equity (peers), forward price-to-earnings vs peers), the residual income counting double.

Price vs value

Modestly undervalued

The price is inside our value range, 9% below our base value.

Price used: $173.94, November 2, 2026

Enova International, Inc. valuation: adjust assumptions and compare models →

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 8 selling0 purchases and 35 sales by directors and officers, last 12 monthsInsider trades
  • Funds232 adding, 173 cuttingOf 55 active managers that changed their stake, 25 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Enova International files

Where Enova International stands after its latest 10-Q

Revenue for the twelve months to September 2026 was $3.65bn, up 20.1% on a year earlier, faster than the 17.7% growth a quarter earlier.

Source: 10-Q filed October 22, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 26, 2027 (estimated)

Enova International, Inc.'s trailing-twelve-month revenue grew 20.1% year on year, with a free-cash-flow margin of 54.9%.

Current signal Long-term debt rising: Long-term debt rose 31% year over year, to 70% of total assets.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Fast growth. Revenue grew 20.1% over the last 12 months, against a median of 10.4% for consumer finance companies we cover.
  • Strong cash generation. 54.9% of revenue turned into free cash flow.
  • Shrinking share count. Diluted shares fell 1.8% in a year, so each share owns more of the business.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Volatile shares. Over the past year the shares showed annualised volatility of 46% and a beta of 1.3 against the S&P 500.
  • Insiders selling. 8 insiders sold $73M of stock over the past 365 days and none bought (45% under pre-set trading plans).

Latest results: FY2026 Q3

Filed October 22, 2026
Earnings per share
$4.48 against an average estimate of $4.40: beat by 1.8%
Revenue
$1.01bn, up 25.7% on a year earlier
Share reaction
-8.3% in the first session after the results on October 22, 2026, against -1.7% for the S&P 500
Next report
January 26, 2027; average EPS estimate $4.62

Enova International's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day-0.1%
  • 1 week+2.3%
  • 1 month+0.6%
  • This year+10.6%
  • 1 year+45.5%
  • 5 years+386.5%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$3.7B
Operating margin
24.0%
Net margin
10.5%
EPS (TTM, diluted)
$14.44

Growth

Revenue growth
+20.1%
Change in growth rate
+2.4 pts
Share count change
−1.8%

Earnings

Last results
October 22, 2026
Next results (est.)
January 26, 2027

News & updates

Updated November 3, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Agreement
  2. Insider trade
  3. Insider trade
  4. Insider trade
  5. Insider trade
  6. Insider trade
  7. Our research
  8. Results
  9. Agreement
  10. Agreement
  11. Regulatory
  12. Agreement
  13. Agreement
  14. Insider trade
  15. Announcement
  16. Announcement
  17. Announcement
  18. Insider trade
  19. Insider trade
  20. Agreement
  21. Agreement
  22. Results
  23. Insider trade
  24. Insider trade
  25. Leadership

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Enova International, Inc. valuation models and calculator

Fundamentalytics rating

model v1.6 · 2026-11-03
Hold12-month view
12-month price target
~$190
Price used
$175.00close November 3, 2026
Implied change
▲ +9%
Uncertainty
Medium

How we got here: the combined value of 4 valuation models built for a business like Enova International, Inc. (see the models table below and how they are combined) , with a 9.14% cost of equity. The models span ~$120–~$230; that spread sets a 25% margin before we rate Buy or Sell.

Produced by Fundamentalytics' automated valuation model on November 3, 2026, using delayed market prices. Rating meanings, methodology and conflicts: recommendations disclosure and research disclaimer. General research, not personal advice — it does not consider your circumstances. Prices can fall as well as rise.

Valuation models

We value Enova International, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 9.1%: the 10-year Treasury yield (4.9%) plus a beta of 0.93 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$230 ~$160–$340 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$170 ~$150–$210 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$120 ~$83–$150 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$51 ~$66–$99 Left out: far from the other models (more than 3x away from their median)
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$210 ~$200–$250 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: pays no regular dividend
Combined value Weighted average of the models that apply: the primary model (residual income) counts double. Models more than 5x or less than 0.2x the share price, or more than 3x away from the other models' median, are left out. ~$190 ~$120–$230 4 models

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Enova International, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

69 /100

Moderate moat

How hard Enova International's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 6 / 20

    Net income has been a median 4.9% of total assets over 10 years.

  • Pricing power 11 / 20

    Gross margin has been a median 57.3%, moving by 11.3 percentage points (standard deviation) across 10 years.

  • Durability 17 / 20

    Operating margin has been a median 21.8%; its worst year was 16.7%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 54.9% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 29.0% over five years; stock-based pay has been a median 1.2% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (74 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 26, 2027, after the close. Analysts expect revenue of $1.1bn and EPS of $4.62 (range $4.58 to $4.70) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $17.28 +33% $3.9bn +23%
Next $21.32 +23% $4.6bn +20%

Next year's EPS estimate has moved +3.1% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +0.4% on 90 days ago. In the last 30 days, 2 analysts raised Enova International, Inc.'s forecast and 0 cut it.

Consensus EPS forecast Enova International, Inc., last 90 days
$16.00 $18.00 $20.00 $22.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $17.20 Current fiscal year, 60 days ago: $17.20 Current fiscal year, 30 days ago: $17.22 Current fiscal year, 7 days ago: $17.22 Current fiscal year, Now: $17.28 $17.28 Next fiscal year, 90 days ago: $20.68 Next fiscal year, 60 days ago: $20.59 Next fiscal year, 30 days ago: $20.95 Next fiscal year, 7 days ago: $20.95 Next fiscal year, Now: $21.32 $21.32

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $17.20$20.68
60 days ago $17.20$20.59
30 days ago $17.22$20.95
7 days ago $17.22$20.95
Now $17.28$21.32

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $4.40 $4.48 +1.8%
Jun 2026 $3.96 $4.31 +8.8%
Mar 2026 $3.68 $3.87 +5.1%
Dec 2025 $3.17 $3.46 +9.2%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 22, 2026

No numeric guidance in Enova International, Inc.'s latest earnings release (filed October 22, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

6 analysts, Nov 2026
Buy6100%
Hold00%
Sell00%

Monthly trend

  1. Nov 2026246
  2. Oct 2026246
  3. Sep 2026257

Counts of recommendations published by analysts covering Enova International, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
9.1%
of tradable shares
Days to cover
4.04
at average volume
Short interest, 1 month
−12%
to October 15, 2026
Held by institutions
99%
of shares
Held by insiders
4.5%
of shares
Employees
1,836
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +45.5%

$119.57 on October 31, 2025 to $173.94

ThenNowEffect
Revenue (last 12 months) $2.9bn $3.4bn +17.7%
Net margin 8.7% 10.3% +17.9%
P/E multiple 12.7x 13.0x +1.8%
Share count 27m 26m +3.0%

Biggest factor: net margin.

Last 3 years +306.3%

$42.81 on November 3, 2023 to $173.94

ThenNowEffect
Revenue (last 12 months) $1.9bn $3.4bn +79.0%
Net margin 10.5% 10.3% −1.5%
P/E multiple 6.9x 13.0x +87.2%
Share count 33m 26m +23.1%

Biggest factor: p/e multiple.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
ENVA+65%−6%+44%+73%+64%+11%
Industry peers (median)+38%−34%+12%+19%+20%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
ENVA50%42%67%50%58%46%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
ENVA−25%−43%−37%−14%−26%−38%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 78% from July 19, 2018 to March 18, 2020. Getting back needed a 346% gain, reached on March 10, 2021, 357 days after the low.

Price behaviour

52-week range
$119.49 – $265.45
From 52-week high
−34.5%
vs 50-day average
−9.2%
vs 200-day average
−5.4%
Volatility (1 year)
46%
Beta vs S&P 500
1.33

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±5.5%
After a week
8 up, 4 down
typical move ±5.7%
After a month
5 up, 6 down
typical move ±8.4%
Results releasedNext dayS&P 500 next day5 days21 days
October 22, 2026 −8.3% −1.7% +0.5% —
July 23, 2026 +6.6% −1.1% +13.9% +9.2%
April 23, 2026 −0.8% +0.4% +0.8% −6.3%
January 27, 2026 +0.4% +0.4% +0.3% −6.4%
October 23, 2025 +9.4% +1.4% +4.6% +9.0%
July 24, 2025 −10.0% +0.5% −11.1% −3.1%
April 29, 2025 −7.5% +0.7% −6.8% −6.0%
February 4, 2025 +3.5% +1.1% +3.3% −15.8%
October 22, 2024 +2.3% −1.0% +1.1% +15.9%
July 23, 2024 +5.5% −2.4% +16.5% +11.7%
April 23, 2024 +3.8% +1.1% −1.1% −1.8%
January 30, 2024 −7.7% −1.7% −8.4% +7.2%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Options strategies

All options ideas

How Enova International, Inc.’s listed options are priced, and three ways to use them that follow from our valuation. Quotes are delayed, read November 2, 2026. Check the live chain at your broker before trading.

Cash-secured put

Not offered: fundamentals grade B (needs B+ or better).

We suggest selling a put only on well-rated companies, at a strike where the price you would pay if assigned (strike less premium) is at or below our fair value.

Covered call

Not offered: no liquid call at or above our price target — the model says the upside is worth more than any listed strike.

For holders: sell a call at a strike at or above our fair value, so the shares are only sold at a price the model calls full value.

Collar

Not offered: the shares trade below our fair value: a collar caps upside the model expects.

For holders of a stock trading at or above our fair value: buy a put for a floor and sell a call to pay for it.

General research, not personal advice. Options can lose you more than you expect and are not suitable for everyone: put sellers can be made to buy shares that keep falling, call sellers give up gains above the strike, and results or news can move prices sharply. Chances shown are approximations from each option’s delta. Spreads, fees and early assignment are not modelled.

Enova International, Inc. in five measures

Fundamentals grade B
Growth Profitability Cash Balance sheet Value

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Enova International, Inc.
$2B $2.5B $3B $3.5B $4B FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $2.1B Revenue (TTM), FY24 Q1: $2.2B Revenue (TTM), FY24 Q2: $2.4B Revenue (TTM), FY24 Q3: $2.5B Revenue (TTM), FY24 Q4: $2.7B Revenue (TTM), FY25 Q1: $2.8B Revenue (TTM), FY25 Q2: $2.9B Revenue (TTM), FY25 Q3: $3B Revenue (TTM), FY25 Q4: $3.2B Revenue (TTM), FY26 Q1: $3.3B Revenue (TTM), FY26 Q2: $3.4B Revenue (TTM), FY26 Q3: $3.7B $3.7B

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $2.1B
FY24 Q1 $2.2B
FY24 Q2 $2.4B
FY24 Q3 $2.5B
FY24 Q4 $2.7B
FY25 Q1 $2.8B
FY25 Q2 $2.9B
FY25 Q3 $3B
FY25 Q4 $3.2B
FY26 Q1 $3.3B
FY26 Q2 $3.4B
FY26 Q3 $3.7B
Revenue growth, TTM YoY Enova International, Inc.
15% 20% 25% 30% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 22.0% Revenue growth, TTM YoY, FY24 Q1: 22.4% Revenue growth, TTM YoY, FY24 Q2: 23.3% Revenue growth, TTM YoY, FY24 Q3: 24.3% Revenue growth, TTM YoY, FY24 Q4: 25.5% Revenue growth, TTM YoY, FY25 Q1: 24.5% Revenue growth, TTM YoY, FY25 Q2: 23.4% Revenue growth, TTM YoY, FY25 Q3: 21.1% Revenue growth, TTM YoY, FY25 Q4: 18.6% Revenue growth, TTM YoY, FY26 Q1: 17.5% Revenue growth, TTM YoY, FY26 Q2: 17.7% Revenue growth, TTM YoY, FY26 Q3: 20.1% 20.1%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 22.0%
FY24 Q1 22.4%
FY24 Q2 23.3%
FY24 Q3 24.3%
FY24 Q4 25.5%
FY25 Q1 24.5%
FY25 Q2 23.4%
FY25 Q3 21.1%
FY25 Q4 18.6%
FY26 Q1 17.5%
FY26 Q2 17.7%
FY26 Q3 20.1%
Operating margin (TTM) Enova International, Inc.
18% 20% 22% 24% 26% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Operating margin (TTM), FY23 Q4: 19.9% Operating margin (TTM), FY24 Q1: 19.8% Operating margin (TTM), FY24 Q2: 20.1% Operating margin (TTM), FY24 Q3: 21.0% Operating margin (TTM), FY24 Q4: 22.0% Operating margin (TTM), FY25 Q1: 22.4% Operating margin (TTM), FY25 Q2: 22.7% Operating margin (TTM), FY25 Q3: 23.3% Operating margin (TTM), FY25 Q4: 23.5% Operating margin (TTM), FY26 Q1: 23.6% Operating margin (TTM), FY26 Q2: 24.0% Operating margin (TTM), FY26 Q3: 24.0% 24.0%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period Operating margin (TTM)
FY23 Q4 19.9%
FY24 Q1 19.8%
FY24 Q2 20.1%
FY24 Q3 21.0%
FY24 Q4 22.0%
FY25 Q1 22.4%
FY25 Q2 22.7%
FY25 Q3 23.3%
FY25 Q4 23.5%
FY26 Q1 23.6%
FY26 Q2 24.0%
FY26 Q3 24.0%
FCF margin (TTM) Enova International, Inc.
52% 54% 56% 58% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 53.0% FCF margin (TTM), FY24 Q1: 52.9% FCF margin (TTM), FY24 Q2: 52.6% FCF margin (TTM), FY24 Q3: 54.8% FCF margin (TTM), FY24 Q4: 56.3% FCF margin (TTM), FY25 Q1: 55.0% FCF margin (TTM), FY25 Q2: 55.4% FCF margin (TTM), FY25 Q3: 56.1% FCF margin (TTM), FY25 Q4: 56.2% FCF margin (TTM), FY26 Q1: 56.6% FCF margin (TTM), FY26 Q2: 56.7% FCF margin (TTM), FY26 Q3: 54.9% 54.9%

Source: SEC EDGAR filings. Retrieved October 26, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 53.0%
FY24 Q1 52.9%
FY24 Q2 52.6%
FY24 Q3 54.8%
FY24 Q4 56.3%
FY25 Q1 55.0%
FY25 Q2 55.4%
FY25 Q3 56.1%
FY25 Q4 56.2%
FY26 Q1 56.6%
FY26 Q2 56.7%
FY26 Q3 54.9%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2012 Dec 2012 2013 Dec 2013 2014 Dec 2014 2015 Dec 2015 2016 Dec 2016 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Sept 2026
Income
Revenue 661 765 810 653 746 729 973 1,175 1,084 1,208 1,736 2,118 2,658 3,152 3,653
Gross profit 372 450 543 436 418 375 469 572 684 1,024 1,118 1,230 1,529 1,830 2,213
EBITDA 127 160 234 143 137 129 190 263 378 448 421 460 625 781 915
Operating income 114 143 215 124 121 116 176 248 358 413 384 422 585 739 878
Net income 59 78 112 44 35 29 70 37 378 256 207 175 209 308 382
Diluted EPS $1.78 $2.36 $3.38 $1.33 $1.03 $0.86 $1.99 $1.06 $11.70 $6.79 $6.19 $5.49 $7.43 $11.52 $14.44
Growth (year on year)
Revenue — +15.8% +5.8% −19.4% +14.2% −2.2% +33.4% +20.8% −7.8% +11.5% +43.7% +22.0% +25.5% +18.6% +20.1%
EBITDA — +25.3% +46.3% −38.9% −4.0% −5.5% +46.6% +38.7% +43.4% +18.8% −6.2% +9.4% +35.8% +25.0% +21.9%
Operating income — +24.9% +50.8% −42.1% −2.3% −4.4% +51.1% +41.4% +44.2% +15.4% −7.0% +9.9% +38.5% +26.5% +24.0%
Net income — +32.6% +43.1% −60.6% −21.3% −15.5% +139.7% −47.8% +932.0% −32.2% −19.1% −15.6% +19.6% +47.2% +30.5%
Diluted EPS — +32.6% +43.2% −60.7% −22.6% −16.5% +131.4% −46.7% +>999% −42.0% −8.8% −11.3% +35.3% +55.0% +32.9%
Margins
Gross margin 56.4% 58.8% 67.1% 66.8% 56.0% 51.5% 48.2% 48.7% 63.1% 84.8% 64.4% 58.1% 57.5% 58.1% 60.6%
EBITDA margin 19.3% 20.9% 28.9% 21.9% 18.4% 17.8% 19.5% 22.4% 34.8% 37.1% 24.2% 21.7% 23.5% 24.8% 25.1%
Operating margin 17.3% 18.6% 26.5% 19.1% 16.3% 15.9% 18.0% 21.1% 33.0% 34.2% 22.1% 19.9% 22.0% 23.5% 24.0%
Net margin 8.9% 10.2% 13.8% 6.7% 4.6% 4.0% 7.2% 3.1% 34.9% 21.2% 11.9% 8.3% 7.9% 9.8% 10.5%
Free-cash-flow margin 54.1% 55.3% 51.4% 38.6% 50.8% 59.3% 68.9% 70.5% 65.6% 36.6% 49.0% 53.0% 56.3% 56.2% 54.9%
Cash flow
Cash from operations 376 438 430 284 393 447 685 849 741 472 894 1,167 1,539 1,819 2,053
Capital spending 18 15 13 32 14 15 15 20 29 30 44 45 43 47 47
Free cash flow 358 423 417 252 379 432 670 829 711 442 850 1,122 1,495 1,772 2,006
Stock-based pay 0 0 1 10 9 11 12 12 18 21 22 27 32 33 35
Free cash flow after stock pay 357 423 416 242 370 421 659 817 693 421 828 1,095 1,463 1,739 1,971
Balance sheet
Cash 38 47 75 42 40 50 28 36 297 165 100 54 74 72 106
Total debt 0 424 494 553 665 806 874 1,005 957 1,394 2,265 2,967 3,592 4,498 5,377
Net debt (negative = net cash) −38 377 419 511 625 757 846 969 659 1,228 2,165 2,913 3,518 4,427 5,271
Diluted shares 33m 33m 33m 33m 33m 34m 35m 34m 32m 38m 33m 32m 28m 27m 26m
Returned to shareholders
Dividends — — 122 — — — — — — — — — — — —
Buybacks — — — 0 0 5 17 34 56 117 143 153 289 215 141
Total returned — — 122 0 0 5 17 34 56 117 143 153 289 215 141

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

FY2026 Q3 TTM
Buybacks (TTM)
$141M
Returned to shareholders
7%
of free cash flow
Buybacks, last 3 fiscal years
$657M
Diluted share count
−1.8%
year over year
Total shareholder yield
3.3%
dividends 0.0% + buybacks 3.3% of market value

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated ENVA KLAR BFH FCFS SOFI UPBD Median
Revenue, last 12 months $3.7bn $3.5bn $4.0bn $4.3bn $4.3bn $4.7bn $1.6bn
Revenue growth, last 12 months 20.1% 24.8% 5.5% 22.9% 40.8% 3.2% 10.4%
Revenue growth, 3-year average 21.8% — −2.4% 12.0% 32.5% 6.0% 11.3%
Revenue growth, latest quarter 25.7% — 4.7% 17.7% 42.5% −1.6% 10.6%
Gross margin 60.6% — 51.6% 50.2% 83.9% 49.7% 58.0%
Operating margin 24.0% −6.6% 37.6% — — 5.5% 11.2%
Operating margin, 3-year average 22.8% — 27.9% — — 5.7% 19.8%
Net margin 10.5% −7.8% 13.4% 9.5% 14.8% 2.4% 10.5%
Cash from operations / revenue 56.2% −29.4% 54.7% 15.8% −197.5% 10.6% 22.7%
Free-cash-flow margin 54.9% −29.5% 52.8% 10.0% −204.2% 9.2% 18.4%
Free-cash-flow margin, 3-year average 55.3% — 50.6% 10.9% −140.1% 4.8% 23.6%
Stock pay / revenue 1.0% 4.5% 1.5% 0.5% 6.6% 0.5% 1.3%
Change in share count −1.8% 1.7% −13.2% −1.6% 15.1% 1.2% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measure Company Peer median Rank
Revenue growth Growth 20.1% 10.4% 13 of 39
Change in growth rate Growth +2.4pp +0.6pp 12 of 38
Operating margin Profitability 24.0% 13.9% 6 of 16
Net margin Profitability 10.5% 10.5% 20 of 39
Stock pay as % of revenue Cash generation 1.0% 1.3% 13 of 36
Change in share count Balance sheet -1.8% -0.0% 16 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to December 31, 2025
Geography
Region Revenue Share YoY
United States $3.1B 97.5% ▲ 18.0%
Outside the US $79.1M 2.5% ▲ 48.3%

From Enova International, Inc.'s 10-K filed February 20, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$5.7B
Institutions reporting
423
Shares held vs prior quarter
▲ 0.6%
Positions opened / closed
74 / 36

Top buyers and sellers, Q2 2026: 232 institutions bought and 173 sold ; the biggest buyer was Price T Rowe Associates Inc (+442K shares) and the biggest seller Mangrove Partners Im, LLC (−285K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $1B 4.2M 17.7% ▲ 2.6%
Vanguard Capital Management LLC $256M 1.1M 4.5% ▼ 0.1%
State Street Corp $244M 1.0M 4.3% ▲ 5.2%
Invesco Ltd. $227M 941K 4.0% ▲ 6.0%
Dimensional Fund Advisors LP $212M 880K 3.7% ▼ 16.7%
FMR LLC $209M 868K 3.7% ▲ 43.9%
Price T Rowe Associates Inc $204M 849K 3.6% ▲ 108.4%
Vanguard Portfolio Management LLC $200M 831K 3.5% ▼ 4.1%
Renaissance Technologies LLC $187M 777K 3.3% ▲ 3.6%
Geode Capital Management, LLC $170M 708K 3.0% ▲ 5.8%
Franklin Resources Inc $136M 563K 2.4% ▼ 0.8%
American Century Companies Inc $99.9M 415K 1.8% ▲ 24.5%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Enova International, Inc.'s complete shareholder register. Values are as reported by the filers ; 3 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $73.2M 35 trades by 8 insiders · 45% under pre-set plans
Net ▼ $73.2M net selling
Insider Date Trade Shares Price Value
Rahilly Sean General Counsel and Secretary October 29, 2026 Sell 10,000 $183.26 $1.8M
Fisher David Executive Chairman October 28, 2026 Sell pre-set plan 9,957 $178.16 $1.8M
Fisher David Executive Chairman October 27, 2026 Sell pre-set plan 13,200 $171.79 $2.3M
Chartier Kirk Chief Strategy Officer October 27, 2026 Sell 27,977 $171.51 $4.8M
Cunningham Steven E Chief Executive Officer October 27, 2026 Sell 4,156 $172.00 $714,832
Cunningham Steven E Chief Executive Officer October 27, 2026 Sell 3,758 $172.00 $646,376
Cunningham Steven E Chief Executive Officer October 27, 2026 Sell 7,391 $172.00 $1.3M
Fisher David Executive Chairman September 17, 2026 Sell pre-set plan 20,750 $178.24 $3.7M
Fisher David Executive Chairman August 26, 2026 Sell pre-set plan 9,078 $239.16 $2.2M
Fisher David Executive Chairman August 25, 2026 Sell pre-set plan 9,491 $244.01 $2.3M
Fisher David Executive Chairman July 15, 2026 Sell pre-set plan 11,494 $231.45 $2.7M
Fisher David Executive Chairman July 14, 2026 Sell pre-set plan 17,006 $231.51 $3.9M

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 26, 2027 estimated from the company's past filing pattern, not announced

  • October 22, 2026
  • July 23, 2026
  • April 23, 2026
  • January 27, 2026
  • October 23, 2025
  • July 24, 2025

Recent SEC filings

Data status

When each part of this page on Enova International, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Enova International, Inc. in brief

What does Enova International, Inc. do?
Enova International, Inc. is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Enova International, Inc.'s stock ticker?
Enova International, Inc. trades under the ticker ENVA on NYSE. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Enova International, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Enova International, Inc. reported revenue of $3.7B, 20.1% higher than a year earlier, according to its SEC filings.
What is Enova International, Inc.'s free cash flow?
Enova International, Inc.'s free-cash-flow margin is 54.9% of revenue over the trailing twelve months.
Who are Enova International, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., Vanguard Capital Management LLC and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
Is Enova International, Inc. buying back stock, and does it pay a dividend?
Enova International, Inc. spent $141M on share repurchases over the trailing twelve months, and its diluted share count fell 1.8% over the year.
What is Enova International, Inc.'s market cap?
On November 2, 2026, Enova International, Inc.'s market capitalisation was about $4.6B, with a price-to-earnings ratio of 12.0 and net debt of $5.3B. Market figures come from third-party market data and may be delayed.
Who are Enova International, Inc.'s competitors?
In our Consumer Finance peer group, the companies closest to Enova International, Inc. are Klarna Group plc, Bread Financial Holdings, Inc., Firstcash Holdings, Inc., SoFi Technologies, Inc. and Upbound Group, Inc. The side-by-side comparison below sets their revenue, margins and growth against Enova International, Inc.'s.
Are insiders buying or selling Enova International, Inc. stock?
Over the last 12 months, Enova International, Inc.'s directors and officers reported 0 open-market purchases and 35 sales on Form 4. The insider trading page charts every trade.
When is Enova International, Inc.'s next earnings date?
Around January 26, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Enova International, Inc. announces its own schedule.