ENVA
Enova International, Inc.
ENVA's fundamentals are strong: revenue grew 20% and earnings per share grew 33%. At 12x earnings, it's trading above its usual 10x. Analysts expect that strong growth to continue.
ENVA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ENVA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ENVA.
ENVA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.1x | $73.60 | -56% |
| Forward | 8.3x | $167 | — |
| Fair | 9.9x | $143 | -14% |
| Current | 12x | $167 | — |
| Expensive | 15x | $218 | +31% |
Historical ranges are pointers, not guarantees.
ENVA's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 8.3x next year's earnings.
ENVA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for ENVA, with profitability improving.
ENVA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.18 | +40% |
| Q3 2026 | $14.46 | +33% |
| Q2 2026 | $13.43 | +43% |
| Q1 2026 | $12.29 | +45% |
| Q4 2025 | $11.52 | +55% |
| Q3 2025 | $10.87 | +73% |
| Q2 2025 | $9.41 | +57% |
| Q1 2025 | $8.48 | +52% |
| Q4 2024 | $7.43 | +35% |
ENVA's earnings per share have climbed steadily: $14.46 over the past year, up 33% from the year before, and higher year over year for nine quarters in a row.
ENVA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | +26% |
| Q2 2026 | $928.9M | +22% |
| Q1 2026 | $875.1M | +17% |
| Q4 2025 | $839.4M | +15% |
| Q3 2025 | $802.7M | +16% |
| Q2 2025 | $764M | +22% |
| Q1 2025 | $745.5M | +22% |
| Q4 2024 | $729.6M | +25% |
ENVA's revenue has grown year over year for 22 quarters in a row: $1B last quarter, up 26% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | 0 points |
| Q2 2026 | 26% | +1.4 points |
| Q1 2026 | 24% | +0.6 points |
| Q4 2025 | 22% | +1 points |
| Q3 2025 | 25% | +2.2 points |
| Q2 2025 | 24% | +1 points |
| Q1 2025 | 23% | +1.6 points |
| Q4 2024 | 21% | +4.6 points |
ENVA's operating margin was 25% last quarter, about level with the same quarter a year ago.
ENVA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $524M | +11% |
| Q2 2026 | $531.4M | +22% |
| Q1 2026 | $463.8M | +23% |
| Q4 2025 | $487.1M | +16% |
| Q3 2025 | $470.5M | +21% |
| Q2 2025 | $436.1M | +25% |
| Q1 2025 | $378.3M | +12% |
| Q4 2024 | $420.3M | +39% |
ENVA's free cash flow was $2B over the past year, up 18% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ENVA.
ENVA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +160K shares |
| 1 year | -0.1% | -38K shares |
| 3 years | -17% | -5.5M shares |
| 5 years | -30% | -11.6M shares |
| Available history | -23% | -7.7M shares |
ENVA has 26M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $46.3M |
| Q2 2026 | $19.8M |
| Q1 2026 | $39.6M |
| Q4 2025 | $35.3M |
| Q3 2025 | $38.4M |
| Q2 2025 | $55.3M |
| Q1 2025 | $85.5M |
| Q4 2024 | $51.2M |
ENVA spent $141M buying back its own shares over the past year, down 39% from the year before.
ENVA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.8x | High |
| Q2 2026 | 5.7x | High |
| Q1 2026 | 5.8x | High |
| Q4 2025 | 5.7x | High |
| Q3 2025 | 5.4x | High |
| Q2 2025 | 5.5x | High |
| Q1 2025 | 5.6x | High |
| Q4 2024 | 5.6x | High |
ENVA's net debt is about 5.8 years of its operating earnings (EBITDA), up from 5.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ENVA.
ENVA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.9 | Neutral |
| Stochastic | 7.6 | Oversold |
ENVA's weekly RSI is 40 (neutral) and its Stochastic is 8 (oversold).
ENVA PE vs Financial Services Sector
| Metric | ENVA | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 61 | 63 | 2 pts below |
ENVA is trading at 12x earnings, a 11% discount to the Financial Services sector's median of 13x.
ENVA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $172.6 | 3.2% below |
| 20 week MA | $210.0 | 20% below |
| 50 week MA | $179.9 | 7.1% below |
| 100 week MA | $143.1 | 17% above |
| 200 week MA | $101.7 | 64% above |
ENVA has pulled back, but its long-term trend is still up: it's below its 8-, 20- and 50-week averages, but 64% above its 200-week average.
ENVA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.4 | $25.8 | +10% |
| 2021 | $25.8 | $40.4 | +57% |
| 2022 | $40.4 | $38.3 | -5.1% |
| 2023 | $38.3 | $55.4 | +44% |
| 2024 | $55.4 | $97.9 | +77% |
| 2025 | $97.9 | $164.8 | +68% |
| 2026 YTD | $164.8 | $167.0 | +1.3% |
ENVA has finished higher in five of the last six years, three of them by more than 50%. It's up 1.3% so far in 2026.