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ENVA · Enova International, Inc.

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$265.45 +3.53 (+1.35%) At close · Aug 14
Market Cap
$6.61B
Shares
24.90M

Price & Indicators

Indicators
Price
Panels
Event markers
20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$265.45 Open$264.00 Day$262.21–267.45 52W close$104.01–265.45 Avg vol 30d335K Short int2.1M · 8.3% float · 5.0d Short vol70% Last earningsJul 23, 2026 DataJan 2020–Aug 2026 Filing10-Q · Jul 23

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 10 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

      Ask ALVIS about this →

      Equibles Rating

      blended score · not investment advice
      Overall
      Buy
      SellHoldBuy
      Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Excellent Quant / Vol Moderate
      Market backdrop VIX 14.3 · calm Equity put/call 0.52
      Technical
      price trend
      Buy
      50 / 200-day cross No cross
      Price vs 200-day avg +57%
      above
      Price vs 50-day avg +17%
      above
      RSI (14) 68
      neutral
      MACD trend Negative
      52-week position 100%
      near high
      Momentum
      relative strength
      Very Strong
      1-month return +14%
      trailing
      6-month return +95%
      trailing
      YTD return +69%
      this year
      Relative strength +81%
      vs S&P · 6-mo
      Sentiment
      smart money
      Bullish
      Trend (MA cross) No cross
      50d $228 › 200d $169 — 50d above 200d
      Institutional flow Accumulating
      +7% holders QoQ · +79 funds added
      Insider flow Distributing
      Net -$6.9M 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
      418 holders — near 3-yr high, broad support
      Squeeze score 71
      high risk · 0–100
      Fundamentals
      Excellent
      Revenue growth +19%
      Y/Y
      Gross margin 58%
      expanding
      EPS growth +55%
      Y/Y
      Free cash flow $1.8B
      Valuation P/E 19.8
      in line
      Buyback $348.6M
      remaining
      Balance sheet $422.5M
      net debt
      Quant / Vol
      risk profile
      Moderate
      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%
      Operations and technology expenses 9%
      G&A expenses 6% – 7%
      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
      1 · 2 · 3
      50 / 200-day cross
      No cross Neutral
      Price vs 200-day avg
      +57% Bullish
      Price vs 50-day avg
      +17% Bullish
      RSI (14)
      68 Neutral
      MACD trend
      Negative Bearish
      52-week position
      100% Bullish
      Market signals — smart money & positioning
      Bullish · 3 of 6
      Trend (MA cross) No cross
      50d $228 › 200d $169 — 50d above 200d
      Institutional flow Accumulating
      +7% holders QoQ · +79 funds added
      Insider flow Distributing
      Net -$6.9M 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
      418 holders — near 3-yr high, broad support
      Price context
      position in its 52-week range
      Range low $104 Now $265 · 100% Range high $265
      vs 200-day avg +57% vs 50-day avg +17%

      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
      GAAP → non-GAAP reconciliation
      GAAP Net income $105.06M
      +$8.42M Depreciation and amortization expenses
      +$97.82M Interest expense, net
      -$440K Foreign currency transaction (gain) loss
      +$35.05M Provision for income taxes
      +$8.75M Stock-based compensation expense
      +$1.48M Transaction-related costs(a)
      -$338K Equity method investment income
      +$0K Other nonoperating expenses(b)
      = Adjusted EBITDA $255.79M
      Consolidated net charge-off ratio 7.3% Q2 2026 —
      Liquidity (cash and marketable securities and available capacity on facilities) $929M as of June 30, 2026 —
      >30 days delinquent as a % of loan and finance receivable balance 6.7% Q4 2025 —
      Combined loan and finance receivable originations and purchases 2.26B Three Months Ended December 31, 2025 —
      Portfolio fair value premium 115% Q4 2025 —
      Share repurchases $35M 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
      Open screener →
      Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
      ENVA
      Enova International, Inc.
      this stock
      		$6.61B +68.9% +18.6% 19.8 8.3%
      V
      Visa Inc.
      		 $641.36B +3.8% -4.9% — 1.2%
      MA
      Mastercard Inc
      		 $498.70B -0.3% +16.4% 31.3 1.0%
      AXP
      American Express Co
      		 $231.28B -7.4% +13.4% 20.8 1.8%
      COF
      Capital One Financial Corp
      		 $141.47B -6.2% +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
      418
      % held
      94.5%
      Net QoQ
      -361.2K sh
      Top holder
      BlackRock, Inc.
      Held Float
      View
      Held by Funds
      Fund positions
      382
      View
      Short & Settlement
      Short Interest Falling
      Shares short
      2.1M
      Days to cover
      5.0d
      Change
      -87.6K sh
      View
      Short Volume
      Short vol %
      70%
      As of
      Aug 14, 2026
      Short Total
      View
      Fails to Deliver
      FTD shares
      52
      Value
      $11.7K
      As of
      Jul 9, 2026
      View
      Off-Exchange
      Off-exchange %
      43.1%
      Week of
      Jul 6, 2026
      Off-exch Lit
      View
      Smart Money
      Insider Trades Net selling
      Net (90d)
      -$6.9M
      Buyers / Sellers
      0 / 3
      Buyers Sellers
      View
      Congressional Trades Sell
      Member
      William F Hagerty, IV
      Amount
      $15.0K–$50.0K
      Traded
      Dec 29, 2021
      View
      Financials
      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 14, 2026
      This year
      15
      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 +5.1% +14.2% +94.8% +4.5% +68.9%
      SPY +0.4% +4.5% +13.8% +3.9% +13.9%
      vs SPY +4.7% +9.7% +81.1% +0.5% +55.0%

      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) 405 filings 399 filers Visit website Investor relations

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