ENVA
Enova International, Inc.
Next earnings Jul 22, 2026 (after close) · consensus $4.04 EPS, $928M rev
Last earnings +0.8% on 2026-04-23
$231.04
▲ +4.36%$231.04▲ +131.55%
over 1Y
L $99.78EODHDH $231.04
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+4.4%
1W+12.8%
1M+43.3%
3M+78.1%
YTD+42.7%
1Y+131.5%
Buy
Conviction
Horizon
Medium (3–12mo)
12-mo target
$•••
Street · 13 analysts
Strong Buy
Online non-prime lender growing fast (revenue +18.6%, EPS +55%) with 23.1% ROE at 17.6x — strong, but credit and regulatory risk are inherent.
Revenue $3.15B · FY2025
The read
Quality fundamentals and an attractive price line up (~89% below fair value) — the rarer case where both the business and the entry look good.
Enova International is a technology-driven online lender to non-prime consumers and small businesses, and FY2025 was a standout. Revenue grew 18.6% to $3.15B, net income jumped 47.2% to $308M, and diluted EPS surged 55.0% to $11.52 — the EPS outpacing net income thanks to a 3.0% reduction in share count from $215M of buybacks. Return on equity reached 23.1% and operating income rose 26.5% to $739M (a 23.5% operating margin). The growth has been consistent: revenue climbed every year from $1.21B in FY2021, and the platform's analytics-driven underwriting is converting that origination growth into rising profit.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Gross profit | $1.02B | $1.12B | $1.23B | $1.53B | $1.83B |
| Operating income | $413M | $384M | $422M | $585M | $739M |
| Net income | $256M | $207M | $175M | $209M | $308M |
| Diluted EPS | $6.79 | $6.19 | $5.49 | $7.43 | $11.52 |
| Net margin | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value$10.2B
EV / EBITDA13.1
EV / Sales3.2
EV / FCF5.8
P / FCF3.3
PEG (trailing)0.42
Earnings yield5.3%
FCF yield30.7%
Quality & risk
ROIC (est.)10.0%
Free cash flow$1.77B
Total debt$4.50B
Net cash-$4.43B
Altman Z-Score2.04 grey
Piotroski F-Score6/9
Capital returns
Buyback yield3.7%
Dividend yield (est.)2.1%
Shareholder yield5.8%
Shares Δ YoY-3.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗8-KPeriod ending 2026-06-252026-06-25open ↗4Period ending 2026-06-182026-06-23open ↗4Period ending 2026-06-172026-06-22open ↗144Filing2026-06-18open ↗144Filing2026-06-17open ↗4Period ending 2026-06-122026-06-16open ↗144Filing2026-06-16open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-05-292026-06-02open ↗144Filing2026-06-01open ↗144Filing2026-05-29open ↗4Period ending 2026-05-212026-05-26open ↗
Frequently asked
- Is Enova International, Inc. (ENVA) a buy?
- ENVA currently carries a Buy rating with 3/5 conviction, derived from its latest SEC filings. Online non-prime lender growing fast (revenue +18.6%, EPS +55%) with 23.1% ROE at 17.6x — strong, but credit and regulatory risk are inherent.
- What is ENVA's fair value?
- A Modified-Graham model based on ENVA's SEC fundamentals estimates a fair value of about $437.76. It is an estimate from reported earnings, not a price target.
- Is ENVA overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, ENVA currently appears undervalued relative to its SEC-grounded earnings power.
- What is Enova International, Inc.'s quality score?
- ENVA scores 77.80392156862744/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001529864, latest 10-Q filed 2026-04-23) · EODHD · analysis by claude-code · as of 6/21/2026, 9:01:07 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.