Stocks · Financial Services · Financial - Credit Services
Enova International, Inc. ENVA
$172.89 +0.82% Close, Oct 2, 2026 · NYSE · Market cap $4.30B
High qualityHigh risk
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $13.48, up 43.1% year over year.
- Net debt is 6.3× EBITDA, a high level of leverage.
- Operating margin widened to 27.6% from 22.7% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 35%
- EPS growth (TTM, YoY)Top 23%
- FCF growth (TTM, YoY)Top 48%
- Revenue growth, 3-year CAGRTop 26%
- Revenue growth accelerationBottom 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 16%
- Gross marginTop 27%
- Operating marginTop 35%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 5%
- Net debt / EBITDA (lower is better)Bottom 19%
- Interest coverTop 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 39%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 37%
- Sales / enterprise valueTop 46%
- P/E vs own 5-year history (lower is better)Bottom 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 1%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highBottom 12%
- Trend checklist (0–4)Bottom 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 41%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyTop 21%
- Upside to consensus price targetTop 14%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 7%
- Maximum drawdown, 3 yearsBottom 30%
- Beta vs S&P 500 (lower is better)Bottom 9%
- Net debt / EBITDA (lower is better)Bottom 19%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 17.5% | 2.8% | ↓ |
| EPS growth (YoY) | 45.5% | 43.1% | ↓ |
| Gross margin | 46.6% | 74.0% | ↑ |
| Operating margin | 22.7% | 27.6% | ↑ |
| FCF margin | 55.4% | 64.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.8% | 17.5% | ↓ | Bottom 35% |
| EPS growth (TTM, YoY) | 43.1% | 45.5% | ↓ | Top 23% |
| Gross margin | 74.0% | 46.6% | ↑ | Top 27% |
| Operating margin | 27.6% | 22.7% | ↑ | Top 35% |
| Net margin | 11.8% | 8.7% | ↑ | — |
| Free-cash-flow margin | 64.9% | 55.4% | ↑ | — |
| Return on invested capital | 9.3% | — | Top 16% | |
| Revenue growth, 3-year CAGR | 22.0% | — | Top 26% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -22.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +24.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 6.30×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 8.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 2.96%
- Shareholder yield
- 2.96%
- Share count change, 1 year
- -2.7%
- Share count change, 3-year CAGR
- -6.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 23, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +6.4%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $247.60
- Target vs current price
- +43.2%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 70%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +8.0% | -2.1% | +10.0% | +14.3% | — |
| Apr 23, 2026 | -2.3% | +0.8% | +0.3% | -2.1% | +37.1% |
| Jan 27, 2026 | +9.1% | -0.5% | +8.7% | -13.0% | +6.0% |
| Oct 23, 2025 | +10.9% | +0.1% | +6.5% | +6.7% | +34.6% |
| Jul 24, 2025 | +8.8% | -5.0% | -11.1% | -8.4% | -9.0% |
| Apr 29, 2025 | +7.6% | +0.3% | -5.7% | -4.8% | +12.6% |
| Feb 4, 2025 | +12.0% | +1.9% | +2.6% | -14.0% | -17.2% |
| Oct 22, 2024 | +6.5% | +4.3% | +0.9% | +16.0% | +24.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $4.31 | $3.99 | +8.0% | $928.9M |
| Apr 23, 2026 | $3.87 | $3.96 | -2.3% | $928.9M |
| Jan 27, 2026 | $3.46 | $3.17 | +9.1% | $839.4M |
| Oct 23, 2025 | $3.36 | $3.03 | +10.9% | $802.7M |
| Jul 24, 2025 | $3.23 | $2.97 | +8.8% | $764.0M |
| Apr 29, 2025 | $2.98 | $2.77 | +7.6% | $745.5M |
| Feb 4, 2025 | $2.61 | $2.33 | +12.0% | $729.6M |
| Oct 22, 2024 | $2.45 | $2.30 | +6.5% | $689.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.8× | 10.7× | 76th | Top 39% |
| P/E (forward) | 10.0× | — | — | — |
| EV / EBITDA | 11.8× | — | — | Top 37% |
| EV / Sales | 3.06× | — | — | Top 46% |
| Free-cash-flow yield | 45.36% | — | — | Top 5% |
| Earnings yield | 7.80% | — | — | Top 39% |
P/E over the past five years
Range 2.3× – 16.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +54.1%
- Earnings per share growth (TTM)
- +43.1%
- Change in P/E multiple
- +43.9%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -7.3%
- 200-day average slope (20 days)
- +3.0%
- Distance from 50-day average
- -22.8%
- Distance from 200-day average
- -5.1%
- RSI (14)
- 32.3
- Relative volume
- 0.74×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 66.5%
- Volatility vs own 5-year history
- 99th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.35
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -34.9%
- Maximum drawdown, 3 years
- -37.0%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 10, 2022 | Jun 16, 2022 | -42.8% | 87 days | 158 days (Feb 2, 2023) |
| Aug 14, 2026 | Sep 30, 2026 | -37.0% | 32 days | Not yet recovered |
| Jul 18, 2023 | Oct 25, 2023 | -37.0% | 70 days | 62 days (Jan 25, 2024) |
| Feb 6, 2025 | Apr 4, 2025 | -26.3% | 40 days | 64 days (Jul 9, 2025) |
| Mar 12, 2021 | Jul 19, 2021 | -24.8% | 88 days | 78 days (Nov 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.30B
- P/E (TTM)
- 12.8
- EPS, diluted (TTM)
- $13.48
- Revenue (TTM)
- $3.01B
- 52-week range
- $103.02 – $267.45
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Gross profit | $947.8M | $1.00B | $1.04B | $1.24B | $1.58B |
| Operating income | $413.1M | $384.0M | $422.1M | $584.8M | $739.4M |
| Net income | $256.3M | $207.4M | $175.1M | $209.4M | $308.4M |
| EPS (diluted) | $6.79 | $6.19 | $5.49 | $7.43 | $11.58 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $689.9M | $729.6M | $745.5M | $764.0M | $802.7M | $839.4M | $875.1M | $493.7M |
| Net income | $43.4M | $63.7M | $72.9M | $76.1M | $80.3M | $79.0M | $91.1M | $105.1M |
| EPS (diluted) | $1.57 | $2.30 | $2.69 | $2.86 | $3.03 | $3.00 | $3.46 | $3.99 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $471.9M | $894.0M | $1.17B | $1.54B | $1.82B |
| Capital expenditure | -$29.7M | -$43.6M | -$45.2M | -$43.4M | -$47.1M |
| Free cash flow | $442.2M | $850.4M | $1.12B | $1.50B | $1.77B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$116.7M | -$143.1M | -$153.2M | -$289.3M | -$205.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $122.2M
- Total assets
- $7.22B
- Total liabilities
- $5.73B
- Total debt
- $5.05B
- Net debt
- $4.92B
- Shareholders’ equity
- $1.50B
As of Jun 30, 2026 (filed Jul 23, 2026).
Short interest
- Shares sold short
- 2,042,583
- Days to cover
- 4.92
- Change vs previous report
- -0.4%
FINRA short interest, settlement date Sep 15, 2026.