ENVA
Enova International, Inc.
$232.01
-6.08 (-2.55%)
At close · Jul 13
Market Cap
$5.77B
Shares
24,884,896
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$232.01
Open$237.98
Day$231.99–239.98
52W$99.61–246.38
Avg vol 30d389K
Short int2.3M · 9.3% float · 4.1d
Short vol68%
Last earningsApr 23, 2026
DataJan 2020–Jul 2026
Filing10-Q · Apr 23
Up next
Next earnings call
Jul 21, 2026
Est · unconfirmed
· in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Apr 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
Equibles Rating
blended score · not investment advice
Overall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 17.2 · elevated
Equity put/call 0.67
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+52%
above
Price vs 50-day avg
+23%
above
RSI (14)
65
neutral
MACD trend
Negative
52-week position
90%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+22%
trailing
6-month return
+48%
trailing
YTD return
+48%
this year
Relative strength
+40%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $189 › 200d $153 — 50d above 200d
Institutional flow
Accumulating
11 of 388 funds reported for Jun 30 · net +20.1K sh shares · +1 new
Insider flow
Distributing
Net -$13.4M over 90 days · 100% sells
Short interest
Rising
9.25% of float · ▲ +11.7% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
388 holders — near 3-yr high, broad support
Squeeze score
67
elevated · 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 18.9
in line
Balance sheet
$4.4B
net debt
Quant / Vol
risk profile
Volatility
39%
annualized · 1-yr
Max drawdown
−25%
past year
ATR
3.6%
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.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+52%
Bullish
Price vs 50-day avg
+23%
Bullish
RSI (14)
65
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $189 › 200d $153 — 50d above 200d
Institutional flow
Accumulating
11 of 388 funds reported for Jun 30 · net +20.1K sh shares · +1 new
Insider flow
Distributing
Net -$13.4M over 90 days · 100% sells
Short interest
Rising
9.25% of float · ▲ +11.7% MoM · 4.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
388 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $100
Now $232 · 90%
52-wk high $246
vs 200-day avg +52%
vs 50-day avg +23%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per share non-GAAP | $3.87 | first quarter 2026 | — |
| Adjusted EBITDA non-GAAP | 227M | first quarter 2026 | — |
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| Liquidity (cash and marketable securities and available capacity on facilities) | 1.1B | as of March 31, 2026 | — |
| Net charge-off ratio | 7.6% | first quarter 2026 | — |
|
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| Net revenue margin | 60% | first quarter 2026 | — |
|
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| Total company combined loans and finance receivables non-GAAP | 5.3B | first quarter 2026 | — |
|
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| Total company originations | 2.3B | first quarter 2026 | — |
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| consolidated fair value premium | 115% | first quarter call | — |
| consolidated net charge-off ratio | 7.6% | first quarter call | — |
| consolidated net revenue margin | 60% | first quarter call | — |
| consumer net charge-off ratio | 14.3% | first quarter call | — |
| consumer originations | 559M | first quarter call | — |
| consumer receivables on an amortized basis | 1.6B | first quarter call | — |
| originations | 2.3B | first quarter call | — |
| portfolio | 5.3B | first quarter call | — |
| small business net charge-off ratio | 4.6% | first quarter call | — |
| small business originations | 1.7B | first quarter call | — |
| small business receivables on an amortized basis | 3.7B | first quarter call | — |
| Consolidated 30+ day delinquency ratio | 6.7% | fourth quarter of 2025 | — |
| Consolidated portfolio fair value premium | 115% | fourth quarter of 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$5.77B | +47.6% | +18.6% | 18.9 | 9.3% |
|
V
Visa Inc.
|
$641.72B | +2.2% | +12.3% | — | 1.2% |
|
MA
Mastercard Inc
|
$475.10B | -5.7% | +16.4% | 31.1 | 0.9% |
|
AXP
American Express Co
|
$241.84B | -4.0% | +13.4% | 22.1 | 1.6% |
|
COF
Capital One Financial Corp
|
$127.75B | -15.9% | +36.6% | 52.4 | 1.9% |
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
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ENVA | -1.2% | +22.4% | +47.9% | -3.6% | +47.6% |
| SPY | -0.3% | +1.6% | +8.3% | +0.3% | +9.9% |
| vs SPY | -0.9% | +20.8% | +39.6% | -3.9% | +37.7% |
Key facts
CIK
1529864
CUSIP
29357K103
13F (30d)
14 filings
13 filers
Visit website
Investor relations