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Enova international, inc.ENVA.US Overview

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ENVA Recent Performance

0.96%

Enova international, inc.

1.79%

Avg of Sector

-0.31%

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ENVA Key Information

ENVA Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

ENVA Profile

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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 markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.

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ENVA FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

ENVA Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
12.47
PE Ratio (TTM)
12.08
Forward PE
10.32
PS Ratio (TTM)
2.31
PB Ratio
2.74
Price-to-FCF
1.96
METRIC
VALUE
vs. INDUSTRY
Gross Margin
58.07%
Net Margin
9.78%
Revenue Growth (YoY)
106.06%
Profit Growth (YoY)
19.67%
3-Year Revenue Growth
42.50%
3-Year Profit Growth
20.05%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
12.47
PE Ratio (TTM)
12.08
Forward PE
10.32
PS Ratio (TTM)
2.31
PB Ratio
2.74
Price-to-FCF
1.96
Gross Margin
58.07%
Net Margin
9.78%
Revenue Growth (YoY)
106.06%
Profit Growth (YoY)
19.67%
3-Year Revenue Growth
42.50%
3-Year Profit Growth
20.05%
  • When is ENVA's latest earnings report released?

    The most recent financial report for Enova international, inc. (ENVA) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating ENVA's short-term business performance and financial health. For the latest updates on ENVA's earnings releases, visit this page regularly.

  • Where does ENVA fall in the P/E River chart?

    According to historical valuation range analysis, Enova international, inc. (ENVA)'s current price-to-earnings (P/E) ratio is 11.79, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of ENVA?

    According to the latest financial report, Enova international, inc. (ENVA) reported an Operating Profit of 186.65M with an Operating Margin of 22.24% this period, representing a growth of 20.27% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is ENVA's revenue growth?

    In the latest financial report, Enova international, inc. (ENVA) announced revenue of 839.39M, with a Year-Over-Year growth rate of 103.22%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does ENVA have?

    At the end of the period, Enova international, inc. (ENVA) held Total Cash and Cash Equivalents of 407.86M, accounting for 0.06 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does ENVA go with three margins increasing?

    In the latest report, Enova international, inc. (ENVA) achieved the “three margins increasing” benchmark, with a gross margin of 59.8%%, operating margin of 22.24%%, and net margin of 9.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess ENVA's profit trajectory and future growth potential.

  • Is ENVA's EPS continuing to grow?

    According to the past four quarterly reports, Enova international, inc. (ENVA)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 3.18. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of ENVA?

    Enova international, inc. (ENVA)'s Free Cash Flow (FCF) for the period is 487.12M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 15.89% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of ENVA?

    The latest valuation data shows Enova international, inc. (ENVA) has a Price-To-Earnings (PE) ratio of 11.79 and a Price/Earnings-To-Growth (PEG) ratio of -13.22. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.