Enova International Inc (ENVA)

Enova International, Inc. is a U.S.-listed common equity security on the NYSE under the ticker ENVA. The company operates as a technology- and analytics-focused financial services provider with activities in the United States, Brazil, and other international markets. Its products include consumer and small business installment loans, lines of credit for consumers and small businesses, and services related to credit services organization programs and bank partnerships. Enova also provides money transfer services. The company markets its offerings under brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea. Founded in 2003 and headquartered in Chicago, Illinois, Enova serves customers through an online lending and financial services platform.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Free Cash Flow / Net Income
NYSE-ENVA
$136.45
-17.3% Downside
Fair
$241.67
46.4% Upside
Undervalued
Great
0.0%
February 4, 2027
10.7x
2.6x
2.2x
4.11 B
54.8%
95.6%
11.1
524.6%
Valuation • Fair Value

Enova International Inc (NYSE-ENVA) Fair Value by Valuation Model

Review the available estimates for Enova International Inc (NYSE-ENVA), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$136.45

Estimated downside of 17.3% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$158.40

Classic Ben Graham valuation formula reference.

Comps Fair Value

$136.45

Comparable-company valuation reference.

Analyst Price Target

$241.67

Analysts imply upside of 46.4%.

How to read these valuation models

Use the 5 available valuation references for Enova International Inc (NYSE-ENVA) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Enova International Inc (NYSE-ENVA)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

1.829 B

Current operating scale indicator.

Revenue Forecast

1.828 B

Forward revenue estimate.

EBITDA

962.6 M

Current operating profitability reference.

EBITDA Forecast

1.025 B

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Enova International Inc (NYSE-ENVA) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Enova International Inc (NYSE-ENVA)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Beneish M-Score

-3.37

No elevated caution signal from this screen.

Altman Z-Score

11.1

Relatively strong balance-sheet zone.

FCF / Net Income

524.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Enova International Inc (NYSE-ENVA). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Enova International Inc (NYSE-ENVA)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

February 4, 2027

Days to Earnings

103

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for Enova International Inc (NYSE-ENVA), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Enova International Inc (NYSE-ENVA) Stock Forecast & Technical Outlook

Review Enova International Inc (NYSE-ENVA) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Enova International Inc (NYSE-ENVA) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Enova International Inc (NYSE-ENVA) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Enova International Inc (NYSE-ENVA) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for Enova International Inc (NYSE-ENVA) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Buy

The monthly technical read for Enova International Inc (NYSE-ENVA) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Enova International Inc (NYSE-ENVA)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Enova International Inc (NYSE-ENVA) has a Strong Buy consensus, with 4 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 4
Hold 0
Sell 0
FAQ • Fast Investor Answers

Enova International Inc (NYSE-ENVA) Stock FAQ

Data-supported answers about Enova International Inc (NYSE-ENVA), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$136.45
Estimated downside 17.3%
Valuation Rating
Overvalued
Estimated downside of 17.3%
Analyst Target
$241.67
Implied upside 46.4%
Financial Health
Great
Current financial-health read

The current fair value estimate for Enova International Inc (NYSE-ENVA) is $136.45. This implies an estimated downside of 17.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 17.3% versus the current market price.

The available analyst price target for Enova International Inc (NYSE-ENVA) is $241.67. The analyst target implies estimated upside of 46.4%.

The current financial health read for Enova International Inc (NYSE-ENVA) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Enova International Inc (NYSE-ENVA) is February 4, 2027.

The latest available data indicates no current dividend yield for Enova International Inc (NYSE-ENVA).

The current P/E ratio listed for Enova International Inc (NYSE-ENVA) is 10.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Enova International Inc is 4.11 B.

The ticker symbol for Enova International Inc is NYSE-ENVA, and the stock is listed on NYSE.

Enova International Inc (NYSE-ENVA) is listed on NYSE.

The current debt-to-total-capital ratio listed for Enova International Inc is 54.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Enova International Inc is 95.6%. Free float helps investors understand how much of the share base is available for public trading.