Enova International, Inc. (ENVA)Financial Services | Credit Services | Chicago, United States | NYSE
232.01 USD
-6.08
(-2.554%) ⇩
(July 13, 2026, 4 p.m.
EDT)
After hours: 232.00 -0.01 (-0.010%) ⇩ (July 13, 2026, 7:56 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 6:48 a.m. EDT
Enova International offers a high-conviction growth opportunity anchored by exceptional profitability metrics. The business is delivering 26% revenue growth and 29% earnings expansion while maintaining a 25% return on equity, which signals superior capital efficiency compared to peers. Despite the high leverage typical of the credit services sector, the liquidity position is robust, and the forward valuation of roughly 12 times earnings suggests the market expects this growth to persist. The multi-year price trajectory confirms this quality, with a 1,445% cumulative gain over nine years and no recent structural decline. On the near-term front, momentum is accelerating as the price approaches its 52-week high, supported by strong analyst consensus and bullish options positioning. However, the absence of a dividend means investors must rely entirely on capital appreciation. The statistical forecast offers a weak lean upward, which aligns with the technicals but lacks the confidence to override the fundamental strength. Overall, this is a core holding for growth portfolios, though the high short interest warrants monitoring for potential volatility. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.063091 |
| MSTL | 0.067201 |
| AutoETS | 0.070741 |
| AutoARIMA | 0.070742 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 32% |
| H-stat | 18.34 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.003 |
| Excess Kurtosis | 0.70 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 347.005 |
| Revenue per Share | 63.288 |
| Market Cap | 5,773,544,448 |
| Trailing P/E | 18.88 |
| Forward P/E | 11.85 |
| Beta | 1.22 |
| Profit Margins | 20.66% |
| Website | https://www.enova.com |
As of July 11, 2026, 6:48 a.m. EDT: Speculators are leaning bullish with heavy call open interest at 240, 250, and 300 strikes, suggesting a target range well above current prices. Put positioning is concentrated at lower support levels (200-220), creating a floor, while deep out-of-the-money puts carry inflated implied volatility indicating tail-risk hedging. Overall, the options flow supports a continuation of the recent rally.
| Attribute | Value |
|---|---|
| 52 Week Change | 1.0572884 |
| Address1 | 175 West Jackson Blvd. |
| Address2 | Suite 600 |
| All Time High | 246.38 |
| All Time Low | 4.64 |
| Ask | 0.0 |
| Ask Size | 200 |
| Audit Risk | 8 |
| Average Analyst Rating | 1.3 - Strong Buy |
| Average Daily Volume10 Day | 487,940 |
| Average Daily Volume3 Month | 316,062 |
| Average Volume | 316,062 |
| Average Volume10Days | 487,940 |
| Beta | 1.216 |
| Bid | 0.0 |
| Bid Size | 100 |
| Board Risk | 4 |
| Book Value | 56.251 |
| City | Chicago |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 4 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 232.01 |
| Current Ratio | 22.714 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 239.28 |
| Day Low | 231.99 |
| Debt To Equity | 347.005 |
| Display Name | Enova |
| Earnings Call Timestamp End | 1,784,836,800 |
| Earnings Call Timestamp Start | 1,784,836,800 |
| Earnings Growth | 0.286 |
| Earnings Quarterly Growth | 0.249 |
| Earnings Timestamp | 1,784,836,800 |
| Earnings Timestamp End | 1,784,836,800 |
| Earnings Timestamp Start | 1,784,836,800 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 6.662 |
| Enterprise Value | 10,527,354,880 |
| Eps Current Year | 16.398 |
| Eps Forward | 19.574 |
| Eps Trailing Twelve Months | 12.29 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 187.3482 |
| Fifty Day Average Change | 44.66179 |
| Fifty Day Average Change Percent | 0.2383892 |
| Fifty Two Week Change Percent | 105.72884 |
| Fifty Two Week High | 246.38 |
| Fifty Two Week High Change | -14.37001 |
| Fifty Two Week High Change Percent | -0.05832458 |
| Fifty Two Week Low | 99.61 |
| Fifty Two Week Low Change | 132.4 |
| Fifty Two Week Low Change Percent | 1.3291837 |
| Fifty Two Week Range | 99.61 - 246.38 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,415,889,000,000 |
| Float Shares | 23,793,693 |
| Forward Eps | 19.574 |
| Forward P E | 11.852968 |
| Full Exchange Name | NYSE |
| Full Time Employees | 1,836 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.82821 |
| Gross Profits | 1,308,743,040 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.04533 |
| Held Percent Institutions | 0.97253996 |
| Implied Shares Outstanding | 24,884,896 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois. |
| Long Name | Enova International, Inc. |
| Market | us_market |
| Market Cap | 5,773,544,448 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_140577663 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | 326,543,008 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 5,924,844,888 |
| Number Of Analyst Opinions | 7 |
| Open | 237.98 |
| Operating Cashflow | 1,902,516,992 |
| Operating Margins | 0.26604998 |
| Overall Risk | 4 |
| Payout Ratio | 0.0 |
| Phone | 312 568 4200 |
| Post Market Change | -0.009994507 |
| Post Market Change Percent | -0.0043077916 |
| Post Market Price | 232.0 |
| Post Market Time | 1,783,987,013 |
| Previous Close | 238.09 |
| Price Eps Current Year | 14.148676 |
| Price Hint | 2 |
| Price To Book | 4.124549 |
| Price To Sales Trailing12 Months | 3.6536543 |
| Profit Margins | 0.20665 |
| Quick Ratio | 21.561 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.28571 |
| Region | US |
| Regular Market Change | -6.08 |
| Regular Market Change Percent | -2.55366 |
| Regular Market Day High | 239.28 |
| Regular Market Day Low | 231.99 |
| Regular Market Day Range | 231.99 - 239.28 |
| Regular Market Open | 237.98 |
| Regular Market Previous Close | 238.09 |
| Regular Market Price | 232.01 |
| Regular Market Time | 1,783,972,803 |
| Regular Market Volume | 262,628 |
| Return On Assets | 0.052950002 |
| Return On Equity | 0.25134 |
| Revenue Growth | 0.258 |
| Revenue Per Share | 63.288 |
| Sand P52 Week Change | 0.20847368 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 4 |
| Shares Outstanding | 24,884,896 |
| Shares Percent Shares Out | 0.0925 |
| Shares Short | 2,302,123 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 1,916,417 |
| Short Name | Enova International, Inc. |
| Short Percent Of Float | 0.1155 |
| Short Ratio | 5.31 |
| Source Interval | 15 |
| State | IL |
| Symbol | ENVA |
| Target High Price | 280.0 |
| Target Low Price | 200.0 |
| Target Mean Price | 250.7143 |
| Target Median Price | 270.0 |
| Total Cash | 110,445,000 |
| Total Cash Per Share | 4.438 |
| Total Debt | 4,864,254,976 |
| Total Revenue | 1,580,210,944 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 12.29 |
| Trailing P E | 18.877949 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 152.3076 |
| Two Hundred Day Average Change | 79.70239 |
| Two Hundred Day Average Change Percent | 0.52329886 |
| Type Disp | Equity |
| Volume | 262,628 |
| Website | https://www.enova.com |
| Zip | 60,604 |