ENVA · Enova International, Inc.
$172.89
+1.40 (+0.82%)
At close · Oct 2
Return incl. dividend (before tax)
Market Cap
$4.32B
Shares
24.90M
Volume · Oct 2
310.54K
Avg daily vol (3M)
354.44K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$172.89
Open$174.06
Day$172.47–176.15
52W close$104.01–265.45
Avg vol 30d373K
Short int2.0M · 8.2% float · 4.9d
Short vol69%
Last earningsJul 23, 2026
DataJan 2020–Oct 2026
Filing10-Q · Jul 23
Up next
Next earnings call
Dec 12, 2026
Est · unconfirmed
· in 10 wks
filed Jul 23, 2026
call held Jul 23, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$3.45B
Trailing 12 months
Net income (TTM)
$355.45M
Trailing 12 months
Revenue growth YoY
+21.6%
Year over year
Operating margin
24.0%
Trailing 12 months
P / E (TTM)
12.8
Trailing earnings · reciprocal yield 7.8%
FCF yield
45.2%
TTM · current market cap
Return on invested capital
10.0%
Trailing 12 months
Net cash
−$4.89B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-1.4%
Year over year · fewer shares
Price change (1Y)
+52.8%
Trailing year
Short interest
8.2%
Latest settlement · 4.9 days to cover
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−5%
below
Price vs 50-day avg
−23%
below
RSI (14)
32
neutral
MACD trend
Positive
52-week position
43%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−26%
trailing
6-month return
+15%
trailing
YTD return
+10%
this year
Relative strength
+3%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $224 › 200d $182 — 50d above 200d
Institutional flow
Accumulating
3 of 428 funds reported for Sep 30 · net +22.1K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
8.20% of float · ▼ -0.4% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
428 holders — near 3-yr high, broad support
Squeeze score
51
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 12.9
in line
Buyback
$349.0M
remaining
Balance sheet
$4.4B
net debt
Quant / Vol
risk profile
Volatility
47%
annualized · 1-yr
Max drawdown
−37%
past year
ATR
4.4%
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 Jun 30, 2026
third quarter of 2026
Net revenue margin
Initiated
55% – 60%
the full year
Revenue growth
20% – 25%
Adjusted EPS growth
Non-GAAP
30% – 35%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−5%
Bearish
Price vs 50-day avg
−23%
Bearish
RSI (14)
32
Neutral
MACD trend
Positive
Bullish
52-week position
43%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $224 › 200d $182 — 50d above 200d
Institutional flow
Accumulating
3 of 428 funds reported for Sep 30 · net +22.1K sh shares · +1 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
8.20% of float · ▼ -0.4% MoM · 4.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
428 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $104
Now $173 · 43%
Range high $265
vs 200-day avg -5%
vs 50-day avg -23%
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 delinquency as a % of combined loan and finance receivable balance non-GAAP | 7.5% | Second Quarter 2026 filing | — |
| Adjusted earnings non-GAAP | $113.27M | Three Months Ended June 30, 2026 filing | — |
| Adjusted earnings per share non-GAAP | $4.31 | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Diluted earnings per share $4
+$0.06 Transaction-related costs
-$0.01 Equity method investment income
+$0 Other nonoperating expenses
+$0.01 Intangible asset amortization
+$0.33 Stock-based compensation expense
-$0.02 Foreign currency transaction (gain) loss
-$0.06 Cumulative tax effect of adjustments
= Adjusted earnings per share $4.31
|
|||
| Adjusted EBITDA non-GAAP | $255.79M | Three Months Ended June 30, 2026 filing | — |
| Average combined loan and finance receivable balance (consumer) non-GAAP | 1.64B | Second Quarter 2026 filing | — |
| Average loan and finance receivable origination amount - Consumer non-GAAP | $632 | Three Months Ended June 30, 2026 filing | — |
| Average loan and finance receivable origination amount - Small business non-GAAP | $15,434 | Three Months Ended June 30, 2026 filing | — |
| Average loan and finance receivable origination amount - Total non-GAAP | $1,914 | Three Months Ended June 30, 2026 filing | — |
| Charge-offs (net of recoveries) as a % of average combined loan and finance receivable balance ( non-GAAP | 12.8% | Second Quarter 2026 filing | — |
| Charge-offs (net of recoveries) as a % of average loan and finance receivable balance (small bus | 4.8% | Second Quarter 2026 filing | — |
| Ending combined loan and finance receivable balance non-GAAP | 5.55B | Second Quarter 2026 filing | — |
| Ending combined loan and finance receivable balance (consumer) non-GAAP | 1.73B | Second Quarter 2026 filing | — |
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.
|
$4.32B | +10.0% | +18.6% | 12.9 | 8.2% |
|
V
Visa Inc.
|
$655.56B | +2.8% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$497.27B | -3.3% | +16.4% | 31.2 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -18.2% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -19.7% | +36.6% | 11.7 | 1.6% |
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
Congressional Trades
Sell
Member
William F Hagerty, IV
- Amount
- $15.0K–$50.0K
- Traded
- Dec 29, 2021
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| ENVA | -0.3% | -25.9% | +14.7% | +3.5% | +10.0% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.1% | -25.4% | +2.5% | +2.5% | -2.9% |
Capital returns
Buyback program
· as of Jun 30, 2026
Authorized
—
Spent (derived)
—
Remaining
$349.00M
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)
14 filings
10 filers
Visit website
Investor relations