Enova International, Inc. (ENVA)Financial Services | Credit Services | Chicago, United States | NYSE
177.52 USD
+3.34
(1.918%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
After hours: 177.52 |
Hot Take ↕ | Oct. 10, 2026, 5:04 a.m. EDT
Enova International presents a compelling turnaround story where fundamental strength is currently priced out of the short-term technicals. The company delivered a robust Q2 with revenue and earnings beating estimates, prompting a Strong-Buy upgrade and lifting the outlook. With a forward price-to-earnings ratio of just 8.5 times and a return on equity exceeding 26 percent, the business quality is exceptional, yet the stock trades below its 50-day moving average, creating a technical headwind. While the high debt-to-equity ratio warrants caution regarding balance sheet resilience, the massive operating cash flow and analyst price targets suggest substantial room for re-rating. Investors should watch for the price to reclaim the 50-day average as confirmation of the trend reversal. Regarding the long-term outlook, the multi-year price trajectory is not available in the current dataset, so the assessment relies heavily on the superior growth and profitability metrics. Finally, dividend data is not provided, making it impossible to assess yield reliability at this time. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.244289 |
| MSTL | 0.340677 |
| AutoARIMA | 0.352416 |
| AutoETS | 0.355428 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 30% |
| H-stat | 323.61 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.072 |
| Excess Kurtosis | -1.02 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 337.015 |
| Revenue per Share | 68.039 |
| Market Cap | 4,419,959,296 |
| Trailing P/E | 13.18 |
| Forward P/E | 8.47 |
| Beta | 1.28 |
| Profit Margins | 21.01% |
| Website | https://www.enova.com |
As of Oct. 10, 2026, 5:04 a.m. EDT: Speculators are positioning for significant upside, evidenced by heavy out-of-the-money call open interest in 2027 expirations compared to in-the-money positions. However, there is notable hedging activity with deep out-of-the-money put open interest, suggesting a view of high volatility with asymmetric upside potential.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.5997429 |
| Address1 | 175 West Jackson Blvd. |
| Address2 | Suite 600 |
| All Time High | 267.45 |
| All Time Low | 4.64 |
| Ask | 182.65 |
| Ask Size | 200 |
| Audit Risk | 8 |
| Average Analyst Rating | 1.3 - Strong Buy |
| Average Daily Volume10 Day | 348,460 |
| Average Daily Volume3 Month | 357,371 |
| Average Volume | 357,371 |
| Average Volume10Days | 348,460 |
| Beta | 1.283 |
| Bid | 166.65 |
| Bid Size | 100 |
| Board Risk | 4 |
| Book Value | 60.159 |
| City | Chicago |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 4 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 177.52 |
| Current Ratio | 20.146 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 178.31 |
| Day Low | 173.085 |
| Debt To Equity | 337.015 |
| Display Name | Enova |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,792,699,200 |
| Earnings Call Timestamp Start | 1,792,699,200 |
| Earnings Growth | 0.399 |
| Earnings Quarterly Growth | 0.38 |
| Earnings Timestamp | 1,792,699,200 |
| Earnings Timestamp End | 1,792,699,200 |
| Earnings Timestamp Start | 1,792,699,200 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 5.515 |
| Enterprise Value | 9,330,147,328 |
| Eps Current Year | 17.27 |
| Eps Forward | 20.955 |
| Eps Trailing Twelve Months | 13.47 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 20 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 212.473 |
| Fifty Day Average Change | -34.953003 |
| Fifty Day Average Change Percent | -0.16450562 |
| Fifty Two Week Change Percent | 59.97429 |
| Fifty Two Week High | 267.45 |
| Fifty Two Week High Change | -89.93001 |
| Fifty Two Week High Change Percent | -0.33624977 |
| Fifty Two Week Low | 107.15 |
| Fifty Two Week Low Change | 70.37 |
| Fifty Two Week Low Change Percent | 0.6567429 |
| Fifty Two Week Range | 107.15 - 267.45 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,415,889,000,000 |
| Float Shares | 23,809,565 |
| Forward Eps | 20.955 |
| Forward P E | 8.471487 |
| Full Exchange Name | NYSE |
| Full Time Employees | 1,836 |
| Fullday Change | 3.3400116 |
| Fullday Change Percent | 1.9175634 |
| Fullday Price | 177.52 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.83291 |
| Gross Profits | 1,409,097,984 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.045339998 |
| Held Percent Institutions | 0.97617996 |
| Implied Shares Outstanding | 24,898,371 |
| 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 | 4,419,959,296 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_140577663 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 355,452,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 4,207,326,731 |
| Number Of Analyst Opinions | 6 |
| Open | 175.02 |
| Operating Cashflow | 1,999,186,944 |
| Operating Margins | 0.29944 |
| Overall Risk | 4 |
| Payout Ratio | 0.0 |
| Phone | 312 568 4200 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 177.52 |
| Post Market Time | 1,792,094,431 |
| Previous Close | 174.18 |
| Price Eps Current Year | 10.279097 |
| Price Hint | 2 |
| Price To Book | 2.950847 |
| Price To Sales Trailing12 Months | 2.6126056 |
| Profit Margins | 0.21011 |
| Quick Ratio | 19.122 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.33333 |
| Region | US |
| Regular Market Change | 3.34001 |
| Regular Market Change Percent | 1.91756 |
| Regular Market Day High | 178.31 |
| Regular Market Day Low | 173.085 |
| Regular Market Day Range | 173.085 - 178.31 |
| Regular Market Open | 175.02 |
| Regular Market Previous Close | 174.18 |
| Regular Market Price | 177.52 |
| Regular Market Time | 1,792,094,403 |
| Regular Market Volume | 231,768 |
| Return On Assets | 0.05491 |
| Return On Equity | 0.26081 |
| Revenue Growth | 0.311 |
| Revenue Per Share | 68.039 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 4 |
| Shares Outstanding | 24,898,371 |
| Shares Percent Shares Out | 0.0759 |
| Shares Short | 1,889,650 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 2,050,573 |
| Short Name | Enova International, Inc. |
| Short Percent Of Float | 0.094799995 |
| Short Ratio | 4.54 |
| Source Interval | 15 |
| State | IL |
| Symbol | ENVA |
| Target High Price | 285.0 |
| Target Low Price | 215.0 |
| Target Mean Price | 238.5 |
| Target Median Price | 220.5 |
| Total Cash | 135,266,000 |
| Total Cash Per Share | 5.433 |
| Total Debt | 5,045,454,848 |
| Total Revenue | 1,691,782,016 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 13.47 |
| Trailing P E | 13.178916 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 182.8786 |
| Two Hundred Day Average Change | -5.358597 |
| Two Hundred Day Average Change Percent | -0.029301388 |
| Type Disp | Equity |
| Volume | 231,768 |
| Website | https://www.enova.com |
| Zip | 60,604 |