ENVA
BULLISH
$166.65
Live
Enova International, Inc. · NYSE
Target $197.71
(+18.6%)
$89.0
52W Range
$176.68
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 27, 2026
Market cap
$4.15B
P/E
13.57
ROE
25.1%
Profit margin
20.7%
Debt/Equity
3.47
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
With a Piotroski F-Score of 4/9 (Stable) and a current price of $166.65 positioned between the Graham Number ($124.67) and a high Intrinsic Value ($362.26), ENVA presents a strong value-growth opportunity. The company demonstrates exceptional fundamental momentum with YoY earnings growth of 28.6% and a highly attractive forward P/E of 8.67. While insider sentiment is bearish and technical trends are currently weak, the high ROE (25.13%) and a long track record of earnings beats provide a significant safety margin. The high debt-to-equity ratio is typical for the credit services industry and is mitigated by an exceptionally strong current ratio of 22.71.
Key Strengths
Exceptional valuation with a forward P/E of 8.67 relative to high growth
Strong profitability metrics including 25.13% ROE and 20.66% profit margin
Consistent earnings outperformance (3/4 recent beats, long-term track record)
Robust top and bottom line growth (Revenue +25.8%, Earnings +28.6% YoY)
Extreme short-term liquidity indicated by a current ratio of 22.71
Key Risks
High leverage with a Debt/Equity ratio of 3.47
Significant insider selling totaling $24.07M in the last 6 months
Bearish technical trend (10/100) suggesting short-term price pressure
Exposure to credit cycle volatility inherent in the Credit Services industry
Lack of dividend yield for income-seeking investors
AI Fair Value Estimate
Based on comprehensive analysis
$215.5
+29.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
65
Strong
90
85
95
55
0
AI Verdict
Strong Fundamental Value
Key drivers: Low P/E relative to growth, Consistent EPS beats, High ROE
Confidence
90%
Value
90/100
P/E 13.57, Forward P/E 8.67, Graham Number $124.67
Positives
- Forward P/E of 8.67 is very low
- Price is well below growth-based intrinsic value
Watchpoints
- Trading above the defensive Graham Number
Future
85/100
Revenue Growth 25.8%, Earnings Growth 28.6%
Positives
- Strong YoY revenue and earnings growth
- Positive analyst target price of $197.71
Watchpoints
- Technical trend is currently bearish
Past
95/100
Historical EPS surprises are predominantly positive
Positives
- Impressive 5Y change of +392.8%
- Consistent history of beating earnings estimates over 25 quarters
Watchpoints
No urgent risks highlighted.
Health
55/100
Piotroski F-Score 4/9, Debt/Equity 3.47
Positives
- Extremely high current and quick ratios
Watchpoints
- Piotroski F-Score of 4/9 is only stable
- High Debt/Equity ratio of 3.47
Dividend
0/100
Dividend Yield N/A, Payout 0%
Positives
No standout positives identified.
Watchpoints
- No dividend payments
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$166.65
Analyst Target
$197.71
Upside/Downside
+18.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ENVA and closest competitors.
Updated 2026-04-24
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ENVA
Enova International, Inc.
Primary
|
+392.8% | +249.5% | +69.3% | +33.6% | +21.9% | +2.4% |
|
CNO
CNO Financial Group, Inc.
Peer
|
+90.2% | +115.9% | +11.8% | +9.9% | +7.6% | +0.2% |
|
FULT
Fulton Financial Corporation
Peer
|
+60.8% | +98.3% | +44.4% | +24.6% | +11.1% | +0.6% |
|
TFSL
TFS Financial Corporation
Peer
|
+12.2% | +56.5% | +32.9% | +18.4% | +12.4% | +2.0% |
|
BGC
BGC Group, Inc.
Peer
|
+140.9% | +117.3% | -6.3% | -9.0% | -1.8% | -1.4% |
ENV
Enova International, Inc.
Primary
5Y
+392.8%
3Y
+249.5%
1Y
+69.3%
6M
+33.6%
1M
+21.9%
1W
+2.4%
CNO
CNO Financial Group, Inc.
Peer
5Y
+90.2%
3Y
+115.9%
1Y
+11.8%
6M
+9.9%
1M
+7.6%
1W
+0.2%
FUL
Fulton Financial Corporation
Peer
5Y
+60.8%
3Y
+98.3%
1Y
+44.4%
6M
+24.6%
1M
+11.1%
1W
+0.6%
TFS
TFS Financial Corporation
Peer
5Y
+12.2%
3Y
+56.5%
1Y
+32.9%
6M
+18.4%
1M
+12.4%
1W
+2.0%
BGC
BGC Group, Inc.
Peer
5Y
+140.9%
3Y
+117.3%
1Y
-6.3%
6M
-9.0%
1M
-1.8%
1W
-1.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
13.57
Forward P/E
8.67
PEG Ratio
N/A
P/B Ratio
2.96
P/S Ratio
2.62
EV/Revenue
5.63
EV/EBITDA
N/A
Market Cap
$4.15B
Profitability
Profit margins and return metrics
Profit Margin
20.66%
Operating Margin
26.61%
Gross Margin
82.82%
ROE
25.13%
ROA
5.29%
Growth
Revenue and earnings growth rates
Revenue Growth
+25.8%
Earnings Growth
+28.6%
Q/Q Revenue Growth
+15.06%
Q/Q Earnings Growth
+24.9%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
3.47
High debt
Current Ratio
22.71
Strong
Quick Ratio
21.56
Excellent
Cash/Share
$4.44
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-21
$N/A
2026-04-23
$3.87
+5.1% surprise
2026-01-27
$3.46
+9.2% surprise
2025-10-23
$3.36
+10.8% surprise
Financial Services Sector Comparison
Comparing ENVA against 763 companies in the Financial Services sector
(133 bullish, 317 neutral, 313 bearish)
P/E Ratio
13.57
This Stock
vs
38.21
Sector Avg
-64.5%
(Discount)
Return on Equity (ROE)
25.13%
This Stock
vs
-1.82%
Sector Avg
-1480.4%
(Below Avg)
Profit Margin
20.66%
This Stock
vs
75.74%
Sector Avg
-72.7%
(Weaker)
Debt to Equity
3.47
This Stock
vs
1.42
Sector Avg
+144.1%
(Higher)
Revenue Growth
25.8%
This Stock
vs
37.18%
Sector Avg
-30.6%
(Slower)
Current Ratio
22.71
This Stock
vs
3.32
Sector Avg
+583.8%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ENVA
Enova International, Inc.
|
BULLISH | $4.15B | 13.57 | 25.1% | 20.7% | $166.65 | |
|
CNO
CNO Financial Group, Inc.
|
NEUTRAL | $4.1B | 19.0 | 8.9% | 5.1% | $43.71 | Compare |
|
FULT
Fulton Financial Corporation
|
NEUTRAL | $4.21B | 10.66 | 11.7% | 30.7% | $21.86 | Compare |
|
TFSL
TFS Financial Corporation
|
BEARISH | $4.22B | 47.03 | 4.8% | 27.7% | $15.05 | Compare |
|
BGC
BGC Group, Inc.
|
NEUTRAL | $4.23B | 27.84 | 14.6% | 6.3% | $8.91 | Compare |
ENVA
Enova International, Inc.
BULLISH
Mkt Cap
$4.1B
P/E
13.6
ROE
25.1%
Price
$166.65
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-18 | FISHER DAVID A. | Officer and Director | Sale | 7,143 | $1,067,796 |
| 2026-02-11 | FISHER DAVID A. | Officer and Director | Stock Award | 13,515 | - |
| 2026-02-11 | RAHILLY SEAN | General Counsel | Stock Award | 3,174 | - |
| 2026-02-11 | RAHILLY SEAN | General Counsel | Stock Award | 9,474 | - |
| 2026-02-11 | LEE JAMES JOSEPH | Officer | Stock Award | 1,203 | - |
| 2026-02-11 | LEE JAMES JOSEPH | Officer | Stock Award | 3,723 | - |
| 2026-02-11 | CORNELIS SCOTT | Chief Financial Officer | Stock Award | 3,276 | - |
| 2026-02-11 | CHARTIER KIRK LF | Officer | Stock Award | 4,573 | - |
| 2026-02-11 | CUNNINGHAM STEVEN E. | Chief Executive Officer | Stock Award | 16,067 | - |
| 2026-02-02 | TEBBE MARK A | Director | Sale | 20,000 | $3,444,824 |
| 2026-02-02 | GRAY JAMES A | Director | Sale | 19,999 | $3,440,629 |
| 2026-02-02 | GRAY JAMES A | Director | Sale | 20,000 | $3,440,799 |
| 2026-01-30 | FISHER DAVID A. | Officer and Director | Sale | 37,989 | $6,280,152 |
| 2026-01-30 | FISHER DAVID A. | Officer and Director | Option Exercise | 37,989 | $910,216 |
| 2026-01-30 | RAHILLY SEAN | General Counsel | Sale | 12,879 | $2,115,789 |
FISHER DAVID A.
Officer and Director
2026-02-18
7,143 shares
·
$1,067,796
FISHER DAVID A.
Officer and Director
2026-02-11
13,515 shares
RAHILLY SEAN
General Counsel
2026-02-11
3,174 shares
RAHILLY SEAN
General Counsel
2026-02-11
9,474 shares
LEE JAMES JOSEPH
Officer
2026-02-11
1,203 shares
LEE JAMES JOSEPH
Officer
2026-02-11
3,723 shares
CORNELIS SCOTT
Chief Financial Officer
2026-02-11
3,276 shares
CHARTIER KIRK LF
Officer
2026-02-11
4,573 shares
CUNNINGHAM STEVEN E.
Chief Executive Officer
2026-02-11
16,067 shares
TEBBE MARK A
Director
2026-02-02
20,000 shares
·
$3,444,824
GRAY JAMES A
Director
2026-02-02
19,999 shares
·
$3,440,629
GRAY JAMES A
Director
2026-02-02
20,000 shares
·
$3,440,799
FISHER DAVID A.
Officer and Director
2026-01-30
37,989 shares
·
$6,280,152
FISHER DAVID A.
Officer and Director
2026-01-30
37,989 shares
·
$910,216
RAHILLY SEAN
General Counsel
2026-01-30
12,879 shares
·
$2,115,789
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
10-Q
DEF 14A
8-K
10-K
8-K
8-K/A
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
STRONG_BUY
7 analysts
TD Cowen
2026-04-24
Buy
Buy
Citizens
2026-04-24
Market Outperform
Market Outperform
Stephens & Co.
2026-04-24
Overweight
Overweight
BTIG
2026-04-23
Buy
Buy
Citizens
2026-01-28
Market Outperform
Market Outperform
BTIG
2026-01-28
Buy
Buy
TD Cowen
2026-01-08
Buy
Buy
Citizens
2025-12-12
Market Outperform
Market Outperform
BTIG
2025-12-12
Buy
Buy
Past News Coverage
Recent headlines mentioning ENVA from our newsroom.
Newest → oldest
No matching news yet.