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ENVA NYSE US

Enova International, Inc. Common Stock

Financial Services · Financial Services Website · IPO Oct 2014
$145.64
▲ +$0.69 (+0.48%)
Vol 7K
Mkt Cap
$3.6B
P/E
11.8
ROE
24.5%
Margin
16.9%
Beta
1.26
52W
$85–$177

Wall Street Consensus

13 analysts · Apr 2026
5
Strong Buy
7
Buy
1
Hold
0
Sell
0
Strong Sell
92.3%
Buy Rating

Price Chart

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Earnings

Beat rate: 100.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $3.23 $3.46 +$0.23
Sep 2025 $3.09 $3.36 +$0.27
Jun 2025 $3.04 $3.23 +$0.19
Mar 2025 $2.81 $2.98 +$0.17

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $729.6M $745.5M $764.0M $802.7M $839.4M
Net Income — $63.7M $72.9M $76.1M $80.3M $79.0M

Key Ratios

ROA (TTM)
5.2%
P/S (TTM)
1.98
P/B
2.9
EPS (TTM)
$11.57
CF/Share
$7.07
Rev Growth 3Y
+17.9%
52W High
$176.68
52W Low
$84.89
$84.89 52-Week Range $176.68

Financial Health

Free Cash Flow
$487.1M
Net Debt
$4.5B
Cash
$71.7M
Total Debt
$4.5B
As of Dec 31, 2025

How does ENVA compare to Financial Services peers?

Peer group: Peers · Financial Services (Peers) · 10 companies

ENVA UPST EZPW LC SLM JCAP AXP ECPG DAVE BFH

ENVA valuation vs Financial Services peers

P/E ratio
11.8
▼ 3% below peers (12.2)
vs Peers
vs Industry
Fair value
P/S ratio
2.0
▲ 4% above peers (1.9)
vs Peers
vs Industry
Fair value
P/B ratio
2.9
▲ 8% above peers (2.7)
vs Peers
vs Industry
Fair value
Div yield
—
▼ 0% below peers (1.6%)
vs Peers
vs Industry
In line

ENVA profitability vs Financial Services peers

ROE
24.5%
▲ 52% above peers (16.1%)
vs Peers
vs Industry
Below avg
Net margin
16.9%
▲ 46% above peers (11.5%)
vs Peers
vs Industry
Below avg
Gross margin
100.0%
▲ 26% above peers (79.1%)
vs Peers
vs Industry
Below avg
ROA
5.2%
▲ 123% above peers (2.3%)
vs Peers
vs Industry
Below avg

ENVA financial health vs Financial Services peers

D/E ratio
—
▼ 0% below peers (234.1)
vs Peers
vs Industry
High debt
Current ratio
19.6
▲ 1226% above peers (1.5)
vs Peers
vs Industry
Strong liquidity
Beta
1.3
▲ 4% above peers (1.2)
vs Peers
vs Industry
Less volatile

ENVA fundamentals radar

ENVA Peer median Industry

ENVA profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

ENVA vs peers: key metrics

Insider Activity

Bearish
Buys
8
Sells
8
$24065253
FISHER DAVID A.
Officer and Director · Feb 18
sale
7143 shs
FISHER DAVID A.
Officer and Director · Feb 11
award
13515 shs
CHARTIER KIRK LF
Officer · Feb 11
award
4573 shs
CUNNINGHAM STEVEN E.
Chief Executive Officer · Feb 11
award
16067 shs
RAHILLY SEAN
General Counsel · Feb 11
award
3174 shs
RAHILLY SEAN
General Counsel · Feb 11
award
9474 shs
LEE JAMES JOSEPH
Officer · Feb 11
award
1203 shs
LEE JAMES JOSEPH
Officer · Feb 11
award
3723 shs
CORNELIS SCOTT
Chief Financial Officer · Feb 11
award
3276 shs
TEBBE MARK A
Director · Feb 02
sale
20000 shs
Last 90 days

Insider Buy Returns

RICE LINDA JOHNSON
Sep 10, 2025
$197110 +25.61%

Top Holders

Top 5: 37.04%
Blackrock Inc.
16.76%
$605.9M
Vanguard Group Inc
8.57%
$309.8M
Dimensional Fund Advisors LP
4.63%
$167.6M
State Street Corporation
3.75%
$135.5M
Price (T.Rowe) Associates I…
3.33%
$120.4M
As of Dec 31, 2025

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