ENVA Share Price | Enova International, Inc. Stock Analysis & Recommendation

Q: How big is Enova International, Inc.?

Market Cap: As of Jun 18, Enova International, Inc. has a market capitalization of 3,077.43 million, categorizing it as a Small Cap company.Recent Quarterly Performance: For the latest four quarters, Enova International, Inc. reported net sales of 2,793.45 million and a net profit of 233.96 million.Balance Sheet Snapshot: As of Dec 24, the company had shareholder's funds amounting to 1,196.92 million and total assets of 5,266.13 million.

Q: What does Enova International, Inc. do?

Overview: Enova International, Inc. is a technology and analytics company that provides online financial services, operating in the finance industry within the small-cap market segment.Financial Snapshot: Most recent Net Sales: 746 Million (Quarterly Results - Mar 2025) Most recent Net Profit: 73 Million (Quarterly Results - Mar 2025) Market-cap: USD 3,077.43 Million (Small Cap)Key Metrics: P/E: 13.00 Dividend Yield: 0.00% Debt Equity: -999,999.00 Return on Equity: 19.55% Price to Book: 2.57Contact Details: Address: 175 W Jackson Blvd Ste 1000, CHICAGO IL: 60604-2863 Tel: 1 312 5684200 Website: https://www.enova.com/

Q: Is Enova International, Inc. overvalued or undervalued?

As of 22 August 2025, the valuation grade for Enova International, Inc. has moved from very attractive to attractive, indicating a potential shift in market perception. The company appears to be undervalued based on its financial metrics, with a P/E ratio of 13, a PEG ratio of 0.28, and an impressive ROCE of 70.74%. In comparison to its peers, Enova's P/E ratio is significantly lower than that of Mr. Cooper Group, Inc. at 29.22 and SLM Corp. at 23.91, suggesting that Enova may be trading at a discount relative to its industry. Additionally, its EV to EBITDA ratio of 4.19 is competitive when compared to PennyMac Financial Services, Inc. at 4.33. Over the past year, Enova has delivered a return of 53.05%, outperforming the S&P 500's 17.14%, reinforcing the notion that the stock may be undervalued.

Q: Is Enova International, Inc. technically bullish or bearish?

As of 31 October 2025, the technical trend for Enova International, Inc. has changed from mildly bullish to bullish. The daily moving averages indicate a bullish stance, while the Bollinger Bands are bullish on both weekly and monthly time frames. However, the MACD shows a mildly bearish signal on the weekly chart, which contrasts with its bullish monthly signal. The KST is mildly bearish on both weekly and monthly charts, and there is no trend indicated by Dow Theory or OBV.Enova has outperformed the S&P 500 across multiple periods, with a year-to-date return of 27.76% compared to the S&P 500's 16.30%, and a one-year return of 39.89% versus 19.89%. Overall, the current technical stance is bullish, but with some mixed signals in the weekly indicators.

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

139.18 k

Shareholding (Dec 2025)

FII

10.01%

Held by 133 FIIs

DII

43.36%

Held by 51 DIIs

Promoter

0.03%

How big is Enova International, Inc.?

22-Jun-2025

As of Jun 18, Enova International, Inc. has a market capitalization of $3.08 billion, with net sales of $2.79 billion and a net profit of $234 million over the latest four quarters.

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What does Enova International, Inc. do?

22-Jun-2025

Enova International, Inc. is a technology and analytics company that offers online financial services, focusing on the small-cap market. As of March 2025, it reported net sales of $746 million and a net profit of $73 million, with a market cap of approximately $3.08 billion.

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Who are in the management team of Enova International, Inc.?

22-Jun-2025

As of March 2022, the management team of Enova International, Inc. includes Chairman and CEO David Fisher, Lead Independent Director James Gray, and Independent Directors Linda Rice, Ellen Carnahan, Daniel Feehan, and William Goodyear. They oversee the company's strategic direction and governance.

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Is Enova International, Inc. overvalued or undervalued?

20-Sep-2025

As of August 22, 2025, Enova International, Inc. is considered attractive due to its undervalued financial metrics, including a P/E ratio of 13, a PEG ratio of 0.28, and a strong ROCE of 70.74%, outperforming peers and delivering a 53.05% return over the past year compared to the S&P 500's 17.14%.

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Is Enova International, Inc. technically bullish or bearish?

05-Nov-2025

As of October 31, 2025, Enova International, Inc. shows a bullish technical trend overall, despite mixed weekly indicators, outperforming the S&P 500 with a year-to-date return of 27.76% compared to 16.30%.

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Compare Enova International, Inc. with Similar Stocks

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Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 23.91%

Healthy long term growth as Operating profit has grown by an annual rate of 22.87%

Positive results in Jun 25

With ROE of 19.55%, it has a very attractive valuation with a 2.59 Price to Book Value

Consistent Returns over the last 3 years

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

USD 4,265 Million (Small Cap)

P/E

14.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

23.13%

Price to Book

3.19

Revenue and Profits:

Net Sales:

839 Million

(Quarterly Results - Dec 2025)

Net Profit:

79 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-16.2%

6 Months

11.31%

1 Year

47.27%

2 Years

129.64%

3 Years

227.94%

4 Years

273.06%

5 Years

278.41%

Enova International, Inc. for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

23.80%

EBIT Growth (5y)

6.43%

EBIT to Interest (avg)

3.84

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

21.35%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

99.83%

ROCE (avg)

61.16%

ROE (avg)

23.91%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

3.19

EV to EBIT

5.22

EV to EBITDA

4.94

EV to Capital Employed

4.15

EV to Sales

1.22

PEG Ratio

0.25

Dividend Yield

ROCE (Latest)

79.61%

ROE (Latest)

23.13%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Dec 2025

Shareholding Compare (%holding)

Majority shareholders

Domestic Funds

Held in 79 Schemes (46.39%)

Foreign Institutions

Held by 133 Foreign Institutions (10.01%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

839.40

729.60

15.05%

Operating Profit (PBDIT) excl Other Income

195.70

165.40

18.32%

Interest

89.00

77.00

15.58%

Exceptional Items

0.00

Consolidate Net Profit

79.00

63.70

24.02%

Operating Profit Margin (Excl OI)

222.40%

212.70%

0.97%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is 15.05% vs 25.02% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is 24.02% vs 83.05% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

3,151.70

2,657.80

18.58%

Operating Profit (PBDIT) excl Other Income

781.30

625.00

25.01%

Interest

339.30

290.40

16.84%

Exceptional Items

0.00

-5.70

100.00%

Consolidate Net Profit

308.40

209.40

47.28%

Operating Profit Margin (Excl OI)

234.60%

220.00%

1.46%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 18.58% vs 25.51% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 47.28% vs 19.59% in Dec 2024

All Annual Results

Company CV

About Enova International, Inc.

Enova International, Inc.

Finance

Enova International, Inc. is a technology and analytics company. The Company provides online financial services. As of December 31, 2016, the Company offered or arranged loans to consumers in 33 states in the United States and in the United Kingdom and Brazil. As of December 31, 2016, it also offered financing to small businesses in all 50 states and Washington D.C. in the United States. The Company provides online financial services to non-prime credit consumers and small businesses in the United States, United Kingdom, and Brazil. Its customers include small businesses, which have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders. The Company's financing products include short-term loans, line of credit accounts, installment loans and receivables purchase agreements (RPAs).

Company Coordinates

Company Details

175 W Jackson Blvd Ste 1000 , CHICAGO IL : 60604-2863

Tel: 1 312 5684200

https://www.enova.com/

Registrar Details