Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

ENVA stock hub

Enova International, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

4.4B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

ENVA

In the news

Latest news · ENVA

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E10.3

P25 8.8P50 10.4P75 13.1

Trailing P/E14.2

P25 10.9P50 14.7P75 36.2

ROE25.1

P25 4.9P50 10.4P75 15

ROIC5.4

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All ENVA market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

238

Groups with data

Currency

USD

Showing 238 of 238 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001529864
Company name	Enova International, Inc.
Country	United States
Country code	US
Cusip	29357K103
Employees	1,836
Employees Change	49%
Employees Change Percent	2.74
Enterprise value	$9.1B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Credit Services
Isin	US29357K1034
Last refreshed	2026-05-10
Market cap	$4.4B
Market cap category	Mid-Cap
Price	$175
Price currency	USD
Rev Per Employee	860,681.37x
Sector	Financials
Sic	6141
Symbol	ENVA
Website	https://www.enova.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	7.5%
EV Earnings	27.89x
EV Sales Forward	2.29x
EV/FCF	4.9x
EV/Sales	5.76x
FCF yield	42.68%
Forward P/E	10.26x
P/B ratio	3.11x
P/E ratio	14.23x
P/S ratio	2.75x
PE Ratio10 Y	11.45x
PE Ratio3 Y	10.34x
PE Ratio5 Y	8.13x
PS Forward	1.1x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	117.55%
Gross margin	82.82%
Gross Profit	$1.3B
Net Income	$326.5M
Net Income Growth	39.57%
Net Income Growth Q	24.89%
Net Income Growth Quarters	8%
Net Income Growth Years	2%
Net Income Growth3 Y	16.62%
Net Income Growth5 Y	-6.14%
Pretax Margin	26.76%
Profit Margin	20.66%
Profit Per Employee	$177,856
Profitable Years	15
ROA	5.29
Roa5y	6.12
ROE	25.13
Roe5y	19.94
ROIC	5.4
Roic5y	6.74

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	35.84%
Cagr1y	90.52%
Cagr3y	59.23%
Cagr5y	36.55%
EPS Growth	44.91
EPS Growth Q	28.63
EPS Growth Quarters	9
EPS Growth Years	2
EPS Growth3 Y	25.26
EPS Growth5 Y	-1.72
FCF Growth	20.92%
FCF Growth Q	22.61%
FCF Growth3 Y	23.82%
FCF Growth5 Y	26.48%
OCF Growth	20.32%
OCF Growth Q	21.32%
OCF Growth10 Y	20.5%
OCF Growth3 Y	23%
OCF Growth5 Y	25.74%
Revenue Growth	21.15x
Revenue Growth Q	25.83x
Revenue Growth Quarters	20x
Revenue Growth Years	5x
Revenue Growth3 Y	16.55x
Revenue Growth5 Y	17.36x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.26
Assets	$6.9B
Cash	$110.4M
Debt	$4.9B
Debt Equity	$3.47
Debt FCF	$2.62
Equity	$1.4B
Liabilities	$5.5B
Net Cash	$-4.8B
Net Cash By Market Cap	$-109
Net Debt Equity	$3.39
Net Debt FCF	$2.56
Tangible Book Value	$1.1B
Tangible Book Value Per Share	$44.95
WACC	5.45

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	22.71
Quick ratio	21.56
Working Capital	$6.1B
Working Capital Turnover	$0.29

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	3.68%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	2,038.14%
1Y total return	90.44%
200-day SMA	136
3Y total return	303.83%
50-day SMA	149.3
50-day SMA vs 200-day SMA	50over200
5Y total return	374.63%
All Time High	176.7
All Time High Change	-1.01%
All Time High Date	2026-02-03
All Time Low	4.64
All Time Low Change	3,669.4%
All Time Low Date	2016-01-15
ATR	5.74
Beta	1.33
Beta1y	1.54
Beta2y	1.38
Ch YTD	11.26
High	175.4
High52	176.7
High52 Date	2026-02-03
High52ch	-1.01%
Low	170.3
Low52	89
Low52 Date	2025-05-23
Low52ch	96.52%
Ma50ch	17.13%
Price vs 200-day SMA	28.61%
RSI	67.36
RSI Monthly	71.21
RSI Weekly	68.28
Sharpe ratio	1.8x
Sortino ratio	3.03
Total Return	3.68%
Tr YTD	11.26
Tr1m	25.13%
Tr1w	2.32%
Tr3m	8.57%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	7
Analyst Count Top	2
Analyst Price Target Top	$189
Analyst Ratings	Strong Buy
Analyst Ratings Top	Buy
Earnings EPS Estimate	$3.63
Earnings EPS Estimate Growth	21.81
Earnings Revenue Estimate	851,603,088x
Earnings Revenue Estimate Growth	14.23x
Operating Income	$431M
Operating Income Growth	32.45
Operating Income Growth Q	26.65
Operating Income Growth3 Y	16.89
Operating Income Growth5 Y	1.92
Operating margin	27.28
Price target	$186
Price Target Change	$6.18
Price Target Change Top	$7.78

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	23,732,223%
Float Percent	95.37%
Net Borrowing	1,069,385,000
Shares Insiders	4.57%
Shares Institutions	91.7%
Shares Out	24,884,896
Shares Qo Q	-0.03%
Shares Yo Y	-3.68%
Short Float	8.09%
Short Ratio	9.29
Short Shares	7.71

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$1.8B
Average Volume	273,740.1x
Bv Per Share	56.25
CAPEX	$-45M
Ch10y	2,038.1
Ch1m	25.13
Ch1w	2.32
Ch1y	90.44
Ch3m	8.57
Ch3y	303.8
Ch5y	374.6
Ch6m	40.08
Change	1.39%
Change From Open	0.74
Close	172.5
Days Gap	0.64
Depreciation Amortization	34,153,000
Dollar Volume	31,589,213.7
Earnings Date	2026-04-23
Earnings Time	amc
EPS	$12.29
F Score	5
FCF	$1.9B
FCF EV Yield	20.4x
FCF Per Share	$74.64
Financing CF	896,610,000
Fiscal Year End	December
Founded	2,011
Goodwill	279,275,000
Graham Number	124.71141
Graham Upside	-28.7
Income Tax	$96.3M
Investing CF	-2,689,565,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-20
Lynch Fair Value	$61.44
Lynch Upside	-64.87
Ma150	143.3
Ma150ch	22.03%
Ma20	166
Ma20ch	5.34%
Net CF	109,500,000
Next Earnings Date	2026-07-23
Open	173.6
Optionable	Yes
P FCF Ratio	2.34
P OCF Ratio	2.29
Position In Range	90.48
Post Close	174.9
Postmarket Change Percent	-0.31
Postmarket Price	$174
Ppne	151,592,000
Price Date	2026-05-08
Ptbv Ratio	3.89
Relative Volume	0.66x
Revenue	1,580,211,000x
SBC By Revenue	2.14x
Share Based Comp	33,869,000
Tax By Revenue	6.1x
Tax Rate	22.78%
Tr6m	40.08%
Us State	Illinois
Volume	180,613

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does ENVA pay a dividend?

Capital-return profile for this ticker.

Performance

ENVA stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns ENVA?

Insider, institutional, and short-interest positioning.

Institutional ownership

+91.7%

Float: +95.4% of shares outstanding

Insider ownership

+4.6%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

ENVA momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

67.4

Neutral momentum band

Price vs 200-day MA

+28.6%

50/200-day relationship not available

Beta (5Y)

1.33

More volatile than the market

Sharpe ratio

1.80

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

ENVA vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Giảm
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Giảm
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Giảm

Questions

About ENVA

Hub-level FAQ points readers to the deeper analysis pages.

What is the current ENVA stock rating?

Enova International, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full ENVA analysis?

The full report lives at /stocks/ENVA/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for ENVA?

The latest report frames ENVA around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the ENVA page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.