ENVA · Enova International, Inc.
$254.38
-7.62 (-2.91%)
At close · Aug 19
Market Cap
$6.44B
Shares
24.90M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$254.38
Open$262.28
Day$254.26–264.69
52W close$104.01–265.45
Avg vol 30d328K
Short int2.1M · 8.3% float · 5.0d
Short vol61%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Oct 22, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 23, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+49%
above
Price vs 50-day avg
+9%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
93%
near high
Momentum
relative strength
1-month return
+14%
trailing
6-month return
+71%
trailing
YTD return
+62%
this year
Relative strength
+60%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $233 › 200d $171 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +81 funds added
Insider flow
Distributing
Net -$5.9M over 90 days · 100% sells
Short interest
Falling
8.32% of float · ▼ -4.1% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
424 holders — near 3-yr high, broad support
Squeeze score
71
high risk · 0–100
Fundamentals
Revenue growth
+19%
Y/Y
Gross margin
58%
expanding
EPS growth
+55%
Y/Y
Free cash flow
$1.8B
Valuation
P/E 19.3
in line
Buyback
$348.6M
remaining
Balance sheet
$422.5M
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−25%
past year
ATR
3.1%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2024
near term
G&A expenses
6% – 7%
the near term
Small business net charge-off ratio
5%
G&A expenses
6% – 7%
Operations and technology expenses
9%
the second quarter
Marketing expenses
20%
Interest expense as a percentage of revenue
10.5% – 11%
Adjusted EPS
Non-GAAP
5% – 10%
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
Total company revenue
· third quarter of 2025
up to 15%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+49%
Bullish
Price vs 50-day avg
+9%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
93%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $233 › 200d $171 — 50d above 200d
Institutional flow
Accumulating
+9% holders QoQ · +81 funds added
Insider flow
Distributing
Net -$5.9M over 90 days · 100% sells
Short interest
Falling
8.32% of float · ▼ -4.1% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
424 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $104
Now $254 · 93%
Range high $265
vs 200-day avg +49%
vs 50-day avg +9%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| >30 days delinquent as a % of combined loan and finance receivable balance | 7.5% | Three Months Ended June 30, 2026 | — |
| Adjusted earnings non-GAAP | 215.2M | Six Months Ended June 30, 2026 | — |
| Adjusted earnings per share non-GAAP | $8.17 | Six Months Ended June 30, 2026 | — |
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| Adjusted EBITDA non-GAAP | 483.17M | Six Months Ended June 30, 2026 | — |
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| Adjusted EBITDA as a percentage of total revenue non-GAAP | 26.8% | Six Months Ended June 30, 2026 | — |
| Average combined loan and finance receivable balance non-GAAP | 5.4B | Three Months Ended June 30, 2026 | — |
| Charge-offs (net of recoveries) as a % of average combined loan and finance receivable balance | 7.3% | Three Months Ended June 30, 2026 | — |
| Ending combined loan and finance receivable balance non-GAAP | 5.55B | Three Months Ended June 30, 2026 | — |
| Ending combined loan and finance receivable fair value balance non-GAAP | 6.2B | Three Months Ended June 30, 2026 | — |
| Installment loans as percentage of average combined loan and finance receivable balance | 43.1% | Three Months Ended June 30, 2026 | — |
| Line of credit accounts as percentage of average combined loan and finance receivable balance | 56.9% | Three Months Ended June 30, 2026 | — |
| Liquidity (cash and marketable securities and available capacity on facilities) | $929M | Second Quarter 2026 | — |
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| Net charge-off ratio | 7.3% | Second Quarter 2026 | — |
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| Net revenue margin | 61% | Second Quarter 2026 | — |
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| Share repurchases | $19M | Second Quarter 2026 | — |
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| Total combined loan and finance receivable principal balance non-GAAP | 5.37B | Three Months Ended June 30, 2026 | — |
| Total company combined loans and finance receivables non-GAAP | 5.5B | Second Quarter 2026 | — |
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| Total company originations | 2.3B | Second Quarter 2026 | — |
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| >30 days delinquent as a % of loan and finance receivable balance | 6.7% | Q4 2025 | — |
| Portfolio fair value premium | 115% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
ENVA
this stock
Enova International, Inc.
|
$6.44B | +61.8% | +18.6% | 19.3 | 8.3% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$492.55B | +0.5% | +16.4% | 30.9 | 1.0% |
|
AXP
American Express Co
|
$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ENVA | -2.3% | +14.3% | +71.5% | +0.1% | +61.8% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.9% | +11.4% | +59.9% | -2.9% | +49.0% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
$400.00M
Spent (derived)
$51.40M
Remaining
$348.60M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1529864
CUSIP
29357K103
13F (30d)
394 filings
388 filers
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