Enova International Inc

Enova International Inc (ENVA) Stock Analysis

$232.720

-4.491 (-1.93%)At close

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High
240.320
Open
237.310
VWAP
235.10
Vol
210.56K
Mkt Cap
1.63B
Low
232.270
Amount
49.50M
EV/EBITDA, TTM
7.75

Enova International, Inc. is an online financial services company that serves small businesses and consumers. The Company's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. It provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender.

www.enova.com

AI analysis of Enova International Inc (ENVA)

hold

Enova International Inc is currently a hold. The stock is trading at $232.72, with a forward P/E of 14.29, suggesting it may be undervalued compared to its growth potential. However, the RSI is at 26.54, indicating it is oversold, which could lead to further price declines. Additionally, insider selling has increased by 151.34%, raising concerns about confidence in the stock's near-term performance.

Analyst Ratings (5)

-23.87% downside
Buy
5 Buy
0 Hold
0 Sell
Current: 232.72
Low
150.00
Average
177.17
High
199.00

Seaport Research

2026-07-27

Price Target

$283

Buy

TD Cowen

2026-07-24

Price Target

$257

Buy

Jefferies

2026-07-08

Price Target

$280

Buy

BTIG

2026-06-30

Price Target

$270

Buy

Citizens

2026-06-26

Price Target

$270

Outperform

Valuation Metrics

The current forward P/E ratio for Enova International Inc (ENVA) is 14.29, compared to its 5-year average forward P/E of 7.64.

Forward P/E

Strongly Overvalued
5Y Average P/E
7.64
Current P/E
14.29
Overvalued
9.82
Undervalued
5.46

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
9.33
Current EV/EBITDA
7.75
Overvalued
11.21
Undervalued
7.44

Forward P/S

Strongly Overvalued
5Y Average P/S
0.78
Current P/S
1.30
Overvalued
0.96
Undervalued
0.60

Alphio AI Price Scenarios for ENVA

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%ENVA

$108.47

Scenario price

B

Base

Base · 50%ENVA

$100.39

Scenario price

B

Bear

Bear · 25%ENVA

$76.86

Scenario price

Whales holding ENVA

D

Divisadero Street Capital Management, LP

+ HoldingENVA

+7.83%

3M Return

B

Bridgeway Capital Management, LLC

+ HoldingENVA

+2.41%

3M Return

P

Punch & Associates Investment Management, Inc.

+ HoldingENVA

+1.32%

3M Return

A

Applied Finance Advisors, LLC

+ HoldingENVA

-5.76%

3M Return

P

Portolan Capital Management, LLC

+ HoldingENVA

-6.18%

3M Return

Events Timeline

2026-07-23 (ET)

20:30:00

Google Parent Company Shares Drop 7% to 3-Month Low

16:30:00

Enova Reports Q2 Revenue of $929M, Exceeding Expectations

2026-04-23 (ET)

16:30:00

Company Reports Q1 Revenue of $875M Exceeding Expectations

2026-01-27 (ET)

16:20:00

Enova Reports Q4 Revenue of $839M

News

ENVA FAQ — answered by Alphio AI

Enova International, Inc. is an online financial services company that serves small businesses and consumers. The Company's online financing products and services provide customers with a deposit of funds to their bank account in exchange for a commitment to repay the amount deposited plus fees and/or interest. Its products and services include consumer installment loans, small business installment loans, consumer line of credit accounts, small business line of credit accounts, CSO program, bank programs, and money transfer business. It provides its services in the United States and Brazil. In the United States it markets its financing products under the names CashNetUSA at www.cashnetusa.com, NetCredit at www.netcredit.com, OnDeck at www.ondeck.com and Headway Capital at www.headwaycapital.com, and it markets its money transfer platform under the name Pangea. In Brazil, it operates under the name Simplic, where it arranges unsecured consumer installment loans for a third-party lender. It operates in the Financials sector (PERSONAL CREDIT INSTITUTIONS industry).

Enova International Inc is currently a hold. The stock is trading at $232.72, with a forward P/E of 14.29, suggesting it may be undervalued compared to its growth potential. However, the RSI is at 26.54, indicating it is oversold, which could lead to further price declines. Additionally, insider selling has increased by 151.34%, raising concerns about confidence in the stock's near-term performance.

5 analysts cover ENVA: 5 rate it Buy, 0 Hold and 0 Sell. The average price target is 177.17.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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