Enova International Inc (ENVA)
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This stock currently matches 3 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 258.60 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AAQS
8/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 17.4%
- Exp. sales growth 3Y > 5% 20.0%
- EBIT growth 10Y > 5% 22.2%
- Exp. EBIT growth 3Y > 5% 32.7%
- Net debt < 4x EBIT 6.1x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 7.0%
- Return on equity > 15% 29.3%
- ROCE > 15% 12.0%
- Expected return > 10% 70.3%
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 22.0% passed
- More than 10% revenue growth is expected for the coming year 16.6% passed
- Share count grows by less than 3% a year -7.7% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 74.8% passed
- Gross margin at 40% or higher and without meaningful erosion 50.1% passed
- Goodwill from acquisitions does not grow faster than revenue 4.3% passed
- Net debt below twice EBITDA 8.5 x EBITDA failed
- Operating cash flow covers the profits of the last three years 3,832 m passed
- Return on capital at 15% or higher, or up versus two years ago 12.0% passed
- Insiders hold at least 10% or are net buyers 4.6% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 7.2% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 8
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 17.20 | 16.99 – 17.41 | 3,719 | 32.7% | 4 |
| 12/31/2027 | 20.59 | 20.30 – 20.85 | 4,538 | 19.7% | 4 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 4.38 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 2.30 | 104.50 | 730 | 25.00 | 8.70 | 431 | 420 |
| 2025: Q1 | 2.69 | 64.00 | 746 | 22.20 | 9.80 | 391 | 378 |
| 2025: Q2 | 2.81 | 45.80 | 764 | 21.60 | 10.00 | 447 | 436 |
| 2025: Q3 | 3.03 | 93.70 | 803 | 16.30 | 10.00 | 482 | 471 |
| 2025: Q4 | 3.00 | 30.20 | 839 | 15.10 | 9.40 | 499 | 487 |
| 2026: Q1 | 3.46 | 28.50 | 875 | 17.40 | 10.40 | 475 | 464 |
| 2026: Q2 | 4.00 | 42.30 | 929 | 21.60 | 11.30 | 544 | 544 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 746 | 121 | 35 | 1.03 | 393 | 242 | 978 |
| 2017 | 729 | 116 | 29 | 0.86 | 447 | 282 | 1,159 |
| 2018 | 973 | 176 | 70 | 1.99 | 685 | 348 | 1,328 |
| 2019 | 1,175 | 248 | 37 | 1.06 | 876 | 377 | 1,574 |
| 2020 | 1,084 | 358 | 378 | 11.70 | 741 | 919 | 2,108 |
| 2021 | 1,208 | 413 | 256 | 6.79 | 472 | 1,093 | 2,761 |
| 2022 | 1,736 | 384 | 207 | 6.19 | 894 | 1,186 | 3,781 |
| 2023 | 2,118 | 422 | 175 | 5.49 | 1,167 | 1,240 | 4,586 |
| 2024 | 2,658 | 585 | 209 | 7.43 | 1,539 | 1,197 | 5,266 |
| 2025 | 3,152 | 739 | 308 | 11.70 | 1,819 | 1,337 | 6,468 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Enova International, Inc., ein Technologie- und Analyseunternehmen, bietet Online-Finanzdienstleistungen in den USA, Brasilien und international an.
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 1,836 |
| Headquarters | Chicago, IL |
| Address | 175 West Jackson Blvd., 60604 Chicago, United States |
| Phone | 312 568 4200 |
| Website | enova.com |
| IPO Date | 13. Nov 2014 |
| ISIN | US29357K1034 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David A. Fisher J.D. | Executive Chairman | 1969 |
| Steven E. Cunningham C.F.A. | CEO & Director | 1970 |
| Sean Rahilly J.D. | General Counsel, Secretary & Chief Compliance Officer | 1973 |
| Kirk L. F. Chartier | Chief Strategy Officer | 1964 |
| Scott Cornelis | CFO & Treasurer | 1979 |
| James Joseph Lee | Chief Accounting Officer & Controller | 1979 |
| Joseph M. DeCosmo | CTO & Chief Analytics Officer | 1966 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 15. Jul 2026 | Fisher David | Executive Chairman | Sell | 11,494 | 231.45 | 2,660,332 |
| 15. Jul 2026 | Fisher David | Executive Chairman | Other | 11,494 | 20.73 | 238,271 |
| 14. Jul 2026 | Fisher David | Executive Chairman | Sell | 17,006 | 231.51 | 3,936,993 |
| 14. Jul 2026 | Fisher David | Executive Chairman | Other | 17,006 | 20.73 | 352,534 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.