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ENENVA

Enova International, Inc.

Strong FundamentalsStrong FundamentalsRevenue growing 22% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (2 mentions/wk)
$ENVA·$4.4B·Financial - Credit Services·Financial Services
$174.72-2.4%YTD+13.3%1Y+37.7%
Price updated 7h ago·X counts updated 16d ago
ENENVA
$ENVAEnova International, Inc.
$174.72-2.42%2 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $ENVA on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

2X posts · last 7 days
Sep 1Sep 3

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ENVA — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-19

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Consumer lender at PE 15 with Levi & Korsinsky securities investigation and Zacks upgrade to Buy simultaneously

Enova International is a subprime-lending operator with real earnings power crossed with fresh litigation overhang.

  • Q1 revenue up 17.4% YoY, Q2 up 21.6% at $928.9M; op-margin 24-25%; ROIC 108% reflects the leveraged consumer-credit business model.
  • Zacks upgrade to Buy (Sep 18) and 'Top-Ranked Growth Stock' framing on the same day — the sell-side sees the earnings power.
  • Levi & Korsinsky securities investigation notice plus Kirby McInerney investigation — the plaintiff-bar activity creates disclosure-risk overhang.
  • CEO Fisher insider selling of ~$4.5M ($2.17M + $2.32M) is meaningful.

Mixed setup — the operational thesis is intact but the litigation and CEO selling stack; owner-only sizing into the Oct 22 print.

What to watch: The Oct 22 Q3 print for consumer-credit trajectory and any commentary on the litigation matters; whether the Levi & Korsinsky investigation produces a filed complaint.

On the calendar: 2026-10-22 — Q3 earnings

Read the AI verdict on $ENVA

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Online consumer and small business lender using analytics and technology to serve underbanked borrowers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $ENVA.

Financial - Credit Services · Financial Services

AI-driven underwriting and BNPL are reshaping consumer credit while card network volumes hold via premium-spend mix; rate compression remains a headwind for subprime lenders. SoFi is down 30% YTD on valuation re-rate despite operational progress, and PYPL is expanding payment reach under a new strategic direction.

What this means for $ENVA

Direct beneficiary — AI-native product or platform captures spend from the same capex cycle driving the industry; Online consumer and small business lender using analytics and technology to serve underbanked borrowers.

Industry benchmark

19-name peer basket
-11.9%YTD
-26.6%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
15.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
108%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
24.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
36.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
25.8%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
25.4%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
3.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 23, 2026$4.31$3.99+8.0%
Q1 2026Apr 23, 2026$3.87$3.96-2.3%
Q4 2025Jan 27, 2026$3.46$3.17+9.1%
Q3 2025Oct 23, 2025$3.36$3.03+10.9%
Next earningsThu, Oct 22·consensus EPS $4.42

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$928.9M+21.6%-93.3%25.2%$4.22$531.4M
Q1 FY26$875.1M+17.4%99.0%24.0%$3.66$463.8M
Q4 FY25$839.4M+15.1%59.8%22.2%$3.19$487.1M
Q3 FY25$802.7M+16.3%46.6%24.5%$3.22$470.5M

Forward consensus

3-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.9B$3.7B – $3.9B$17.34$17.28 – $17.393
FY27$4.6B$4.4B – $4.7B$21.56$21.16 – $21.943
FY28$5.7B$5.4B – $5.8B$26.82$25.12 – $27.511

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.5×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.44%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-26.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.-2.6%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 23.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.2% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.215-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 26David FisherChair9.1K sh$2.2MSellAug 25David FisherChair9.5K sh$2.3MSellJul 15David FisherChair11.5K sh$2.7MSellJul 14David FisherChair17.0K sh$3.9MSellJun 18Mark TebbeDirector20.0K sh$4.0MSellJun 17David FisherChair33.1K sh$6.6MSellJun 16William M GoodyearDirector3.5K sh$658KSellMay 29Rice Linda JohnsonDirector1.3K sh$210KSellMay 22David FisherChair3.1K sh$487KSellMay 21David FisherChair7.2K sh$1.2M
1–10 of 13
+ 30 other (20 awards · 8 exempts · 1 gift · 1 inkind) in window

See when $ENVA insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KMaterial agreementSep 178-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
8-KPress release / Reg FDSep 158-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDSep 148-K — Item 7.01: Press release / Reg FD
8-KPress release / Reg FDSep 98-K — Item 7.01: Press release / Reg FD
8-KMaterial agreementAug 218-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

Enova International's subsidiary NetCredit Combined Receivables B, LLC completed a $300.9 million consumer installment loan ABS securitization (ENVA 2026-A), comprising $240.7M Class A notes (5.88%), $44.3M Class B notes (7.68%), and $15.8M Class C notes (10.64%). The pool consists of approximately $316.7M of unsecured consumer installment loans maturing September 2032, with Citibank as indenture trustee. This is a routine securitization providing off-balance-sheet funding; Class A pricing at 5.88% reflects current consumer ABS market conditions.

8-KMaterial agreementAug 148-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation · Item 8.01: Other event
AI summary

Enova International's subsidiary NetCredit LOC Receivables 2024, LLC entered into a Third Amendment to its Note Issuance and Purchase Agreement on August 14, 2026 with Midtown Madison Management LLC (admin agent) and Citibank, N.A. (collateral trustee). The amendment increases the revolving commitment from $200M to $300M, extends the revolving period to February 2029 and final maturity to February 2030, and lowers the borrowing rate by 50 bps to SOFR + 5.00%. Favorable refinancing — larger facility, longer tenor, and meaningful rate reduction on a $300M credit line supporting Enova's consumer lending operations.

8-K/AOfficer or director change (amended)Jul 158-K/A — Item 5.02: Officer or director change
AI summary

ENVA filed an 8-K under Item 5.02 announcing the appointment of by the as duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. Additionally, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. Personnel changes at the executive or board level are typically administrative but can signal strategic shifts depending on context.

3New insider — initial holdingsJul 143
AI summary

Veltre Maria filed an initial Form 3 as a 10%+ owner of ENVA, disclosing initial beneficial ownership of securities as of the event date. This is a standard Section 16 reporting obligation triggered by the relationship with the issuer. Routine administrative filing with no indication of open-market transactions.

+ 14 other (4 8-Ks · 3 13Gs · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Enova International: Oversold, Upgrading To Buyseekingalpha.com·1d agoEnova International (ENVA) is a Top-Ranked Growth Stock: Should You Buy?zacks.com·1d agoENVA Investor Alert: Levi & Korsinsky Notifies Investors of Investigation Into Enova International (ENVA)businesswire.com·1d agoWhy Enova International Stock Was Plummeting This Weekfool.com·2d agoENOVA INTERNATIONAL, INC. INVESTIGATION: ENVA Securities Investors Encouraged to Contact Kirby McInerney LLP About Their Rightsglobenewswire.com·2d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $ENVA on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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