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ENENVA

Enova International, Inc.

Hot onWhy it's trendingX mentions rising faster than the marketMoving on elevated volumeBacked by solid revenue growth
$ENVA·$5.9B·Financial - Credit Services·Financial Services
$237.27+8.9%YTD+50.2%1Y+112.3%
Mentions · last 7 days
2026-07-18: 0 posts2026-07-19: 5 posts2026-07-20: 4 posts2026-07-21: 3 posts2026-07-22: 4 posts2026-07-23: 13 posts2026-07-24: 12 posts48+81%
Price updated 1d ago·X counts updated 1h ago
ENENVA
$ENVAEnova International, Inc.
$237.27+8.94%48 posts+81%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $ENVA, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-25

The move is getting stronger, with heavier trading behind it.

Enova at 94% of the 52-week range and 15x P/E — the credit-and-consumer-finance franchise is compounding into an October print.

Enova International is a specialty consumer-and-small-business lender operating multiple online-lending brands. Up 50% year to date and 112% over 12 months at 94% of its 52-week range with earnings on October 22, this is a name where the fundamentals have consistently delivered.

Why the setup has substance:

  • The operating profile is elite: last quarter revenue grew 22% YoY to $930M with operating margin of 24% — those are strong specialty-lender numbers, and the ROIC math supports the 15x trailing P/E.
  • The valuation is undemanding for the growth: 1.6x price-to-sales for a specialty-finance name with 24% operating margin and 22% top-line growth is at the middle of the historic range — the multiple has room to expand meaningfully if the operating trajectory holds.
  • The near-term risk is credit-quality: as a specialty lender, any specific commentary on charge-off rate acceleration or a specific commentary on loan-loss provision building is the specific tell that would compress the multiple.

The October 22 print is the reconciliation event: continued revenue growth above 20% YoY plus specific commentary on charge-off trends and net-loss provisions is what carries the trend. A specific charge-off acceleration or provision-build commentary is what breaks the setup and takes the stock back into the mid-$210s despite the year-to-date momentum.

What to watch: October 22 Q3 earnings: revenue growth above 20% YoY, charge-off trends, and net-loss provisions — a charge-off acceleration or provision build takes the stock to the mid-$210s.

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

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What it does

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

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

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

No material change from last week — AI agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

Industry benchmark

18-name peer basket
-5.3%YTD
-18.7%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%
Q2 2026Jul 23, 2026$4.31$3.96+8.8%
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 $3.93

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 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.8B$3.7B – $3.8B$16.45$16.38 – $16.524
FY27$4.4B$4.4B – $4.5B$19.98$19.36 – $20.584
FY28$5.5B$5.5B – $5.6B$26.48$26.19 – $26.762

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.1.9×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.94%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.+19.0%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.+50.3%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 today3.6% 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.β1.225-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

SellJul 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$1.2MSellMay 18William M GoodyearDirector6.2K sh$1.0MSellMay 7David FisherChair20.0K sh$3.5M
1–10 of 14
+ 27 other (19 awards · 6 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-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.

8-KOfficer or director changeJul 108-K — Item 5.02: Officer or director change
AI summary

ENVA filed an 8-K under Item 5.02 announcing the appointment of Maria Veltre as a member of its Board. Additionally, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. The filing also covers Item(s) 9.01. Personnel changes at the executive or board level are typically administrative but can signal strategic shifts depending on context.

8-KMaterial agreementJun 258-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
AI summary

ENVA entered into a material definitive agreement with Reaffirmation of Performance Guaranty with terms including $338M, disclosed under 8-K Item 1.01. Investors should review the full agreement filed as an exhibit for definitive terms, conditions, and any material obligations.

8-KShareholder voteMay 138-K — Item 5.07: Shareholder vote
8-KMaterial agreementApr 18-K — Item 1.01: Material agreement · Item 2.03: Material debt obligation
+ 12 other (3 earnings 8-Ks · 2 10-Qs · 2 13Gs · 2 proxys) in window

Recent news

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

Enova Q2 Earnings Beat on Higher Revenues, Stock Dips as Costs Rise Y/Yzacks.com·1d agoResilient Shoppers and Confident Small Businesses Drive Enova Lending to Record Highpymnts.com·2d agoEnova International, Inc. (ENVA) Q2 2026 Earnings Call Transcriptseekingalpha.com·2d agoEnova International (ENVA) Q2 Earnings and Revenues Top Estimateszacks.com·2d agoEnova International Q2 Earnings Call Highlightsmarketbeat.com·2d ago

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Voices on X · top 1 · last 7 days

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