ENVA · Enova International, Inc.

Track ENVA — free

$226.89 -5.83 (-2.51%)

S&P 600 member Russell 2000 member Rebalance outlook locked

Market Cap

$5.79B

24.90M

Up next

Next earnings call

Oct 22, 2026 Est · unconfirmed · in 7 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Jul 23, 2026

AI Brief

TL;DR.

Bullish

Bearish

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 Neutral Momentum Strong Sentiment Neutral Fundamentals Strong Quant / Vol Moderate

Market backdrop VIX 14.4 · calm Equity put/call 0.62

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +33%

above

Price vs 50-day avg −3%

below

RSI (14) 41

neutral

MACD trend Negative

52-week position 80%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Strong

1-month return −8%

trailing

6-month return +68%

trailing

YTD return +48%

this year

Relative strength +54%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $240 › 200d $175 — 50d above 200d

Institutional flow Accumulating

+9% holders QoQ · +81 funds added

Insider flow Distributing

Net -$4.7M over 90 days · 100% sells

Short interest Rising

8.51% of float · ▲ +2.2% MoM · 8.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

427 holders — near 3-yr high, broad support

Squeeze score 73

high risk · 0–100

Fundamentals

Strong

Revenue growth +19%

Y/Y

Gross margin 58%

expanding

EPS growth +55%

Y/Y

Free cash flow $1.8B

Valuation P/E 17.3

rich

Buyback $348.6M

remaining

Balance sheet $4.4B

net debt

Quant / Vol

risk profile

Moderate

Volatility 40%

annualized · 1-yr

Max drawdown −25%

past year

ATR 3.8%

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

what management promised — and delivered

Latest guidance · from the Earnings Call filed Jun 30, 2026

third quarter of 2026

Net revenue margin Initiated 55% – 60%

third quarter

Marketing expenses 20%

O&T costs 8% – 8.5%

G&A costs 5%

Adjusted EPS Non-GAAP 30%

full year

Revenue growth 20% – 25%

Adjusted EPS growth Non-GAAP 30% – 35%

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 Neutral

1 · 5 · 1

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+33% Bullish

Price vs 50-day avg

−3% Neutral

RSI (14)

41 Neutral

MACD trend

Negative Bearish

52-week position

80% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Mixed

Trend (MA cross) No cross

50d $240 › 200d $175 — 50d above 200d

Institutional flow Accumulating

+9% holders QoQ · +81 funds added

Insider flow Distributing

Net -$4.7M over 90 days · 100% sells

Short interest Rising

8.51% of float · ▲ +2.2% MoM · 8.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

427 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $104 Now $233 · 80% Range high $265

vs 200-day avg +33% vs 50-day avg -3%

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	—

Adjusted EBITDA non-GAAP	483.17M	Six Months Ended June 30, 2026	—

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	—

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	—

Net charge-off ratio	7.3%	Second Quarter 2026	—

Net revenue margin	61%	Second Quarter 2026	—

Share repurchases	$19M	Second Quarter 2026	—

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	—

Total company originations	2.3B	Second Quarter 2026	—

Fair value as a % of principal	115.3%	Three Months Ended March 31, 2026	—

30+ day delinquency ratio	6.7%	Q4 2025	—
Charge-offs (net of recoveries) as a % of average loan and finance receivable balance	8.3%	Three Months Ended December 31, 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

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
ENVA Enova International, Inc. this stock	$5.79B	+48.0%	+18.6%	17.3	8.5%
V Visa Inc.	$680.94B	+8.8%	-4.9%	—	1.2%
MA Mastercard Inc	$521.49B	+4.3%	+16.4%	32.7	0.8%
AXP American Express Co	$225.01B	-9.9%	+13.4%	20.2	1.6%
COF Capital One Financial Corp	$134.21B	-11.0%	+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 section

Ownership

Institutional Holders Reducing

Holders

427

% held: 95.0%
Net QoQ: -234.4K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

398

View

Short & Settlement

Short Interest Rising

Shares short

2.1M

Days to cover: 8.4d
Change: +45.8K sh

View

Short Volume

Short vol %

66%

As of: Aug 28, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $4.1K
As of: Aug 7, 2026

View

Off-Exchange

Off-exchange %

46.0%

Week of: Jul 27, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$4.7M

Buyers / Sellers: 0 / 2

Buyers Sellers

View

Congressional Trades Sell

Member

William F Hagerty, IV

Amount: $15.0K–$50.0K
Traded: Dec 29, 2021

View

Financials

Revenue (FY)

$3.2B

Net income (FY): $308.4M
EPS diluted: $11.52

View

Buybacks

Authorized

$400.0M

Remaining: $348.6M

Spent Remaining

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 21, 2026
This year: 16

View

Proposed Sales

Value

$4.0M

Shares: 20.0K
Filed: Jun 18, 2026

View

Earnings & Events

Earnings Calls

Last call

Jul 23, 2026

View

Performance

	5D	20D	120D	MTD	YTD
ENVA	-4.2%	-8.4%	+67.5%	-8.4%	+48.0%
SPY	+0.5%	+3.0%	+13.4%	+3.0%	+12.8%
vs SPY	-4.7%	-11.4%	+54.1%	-11.4%	+35.2%

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) 329 filings 326 filers Visit website Investor relations

ENVA · Enova International, Inc.

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns