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Equity
ENVA
+0.0 · +0.00%
USD · NYSE

Enova International Inc(ENVA) Stock Analysis | Financial Services

USD --+0.00%
Reward69High
Risk61Medium-High
75%Data
Strong 21% profit margin · Revenue growing 31% YoY
Growth Machine
Market Cap:6.05Bn
ⓘ
Reward Rating
69
High
Reward Assessment
75% data coverage
Top 25% of stocksView factors
ⓘ
Risk Rating
61
Medium-High
Risk Assessment
4 metrics flaggedView details

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

Educational tool only · More
Limited data coverage
We don't have enough public data on ENVA to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
New listing — limited trading history
Fundamental and analyst data are available for ENVA, but momentum and volatility metrics will develop as more trading history accumulates (0 trading sessions so far).
Not available yet for this stock
The overview tab requires data we don't have for this stock yet. The price chart is the most reliable view we have — try the Chart tab.
Earnings Ex-dividend

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $277.14.

What is Enova International Inc?

, a technology and analytics company, provides online financial services in the United States, Brazil, and internationally.

ENVA · Verdict

Solid reward · elevated risk

ENVA stands out on growth and cash flow, but watch the balance sheet signal.

Based on 88% data coverage

ENVA · Verdict

What’s working & what to watch

Strengths 3

  • Growth88/100

    Rev +22.0% CAGR · earnings +14.1%

  • Cash flow75/100

    56% free-cash-flow margin

  • Profitability74/100

    10% net margin · 26% ROE

Watchouts 3

  • Balance sheet19/100

    Interest covered 2.9×

  • Volatility35/100

    Below average

  • Valuation45/100

    P/E 14.7× · PEG 0.74

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 6.05B, and a P/E ratio of 18.0x.

Financial Highlights

Investment Breakdown

Growth
Revenue and earnings growing steadily, indicating improving operating performance.
Profitability
Strong margins and consistent earnings support financial stability.
Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: High (69)

The scoring profile indicates moderate reward potential, with growth and profitability as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

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Company Information
SectorFinancial Services
IndustryCredit Services
Market Cap6.05B
P/E Ratio18.0483
Dividend YieldN/A
Beta1.234
Insider Activity
12M windowBearish
Shares soldShares bought
0-3months
0
0
3-6months
0
0
6-9months
8134,019 shares
$22.2M
0
9-12months
687,874 shares
$10.9M
0
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