Lumida
/ENVA
⌘K
Enova International Inc

Enova International Inc

ENVA
$232.52USD↓-1.28%-3.01 today

MARKET CAP

5.8B

P/E (TTM)

16.7x

FWD P/E

12.6x

DAY RANGE

$228 – $236

52W RANGE

$100
$246

AI Summary

Stalk
StalkMedium

ENVA remains in a Stage 2 corrective reset within its broader uptrend, consolidating above the shorter EMAs after an extended advance. The medium-term bias is bullish with intact higher-high/higher-low structure and no active patterns to counter it. Short-term timing is neutral as price pulls back into the 9 EMA and 21 EMA zone without clear exhaustion or follow-through. Deferred buying into the EMA support area aligns with a repair-oriented strategy.

  • ↑Q1 2026 originations +33% YoY to $2.3B, driving 17% revenue growth to $875M
  • ↑Adjusted EPS +30% YoY to $3.87; net charge-off ratio down 100 bps to 7.6%
  • ↓No dividend and weak dividend-yield factor deter income-focused investors
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Enova International (NASDAQ: ENVA) is a leading provider of online financing solutions, specializing in both consumer and small business lending. The company leverages advanced technology and analytics to offer customized credit products, capitalizing on a growing market for non-prime borrowers. As Enova continues to expand its services, including a notable acquisition of Grasshopper Bank, it occupies a strategic position within the evolving fintech landscape, focusing on enhancing its online platform and improving customer access to financial solutions.

Bull says

  • ↑Q1 2026 originations +33% YoY to $2.3B, driving 17% revenue growth to $875M
  • ↑Adjusted EPS +30% YoY to $3.87; net charge-off ratio down 100 bps to 7.6%
  • ↑Grasshopper Bank acquisition slated to add over 25% to adjusted EPS within two years
  • ↑$35M of share repurchases planned, supported by ~$1.1B liquidity
  • ↑Small-business revenue +37% YoY to $418M amid strong non-prime lending demand
  • ↑Strong earnings yield and upward analyst revisions signal continued momentum

Bear says

  • ↓No dividend and weak dividend-yield factor deter income-focused investors
  • ↓Insider sales of ~$19.8M and high short interest reflect shareholder skepticism
  • ↓High book-to-price ratio indicates the stock may trade above intrinsic value
  • ↓Grasshopper Bank deal faces regulatory review and integration execution risk
  • ↓Smaller market cap heightens volatility risk amid market swings
  • ↓Economic pressures could push charge-off rates higher, stressing credit quality

Investment themes with ENVA

Buybacks↑ +0.48%

Companies repurchasing their own shares

C · JCI · WFC

Earnings Call · Q1 2026 · Mgmt. Guidance

Updated 04-24-2026bullish

Transcript signals

Bull points

  • We started 2026 with strong growth in originations, receivables, and revenue, along with solid credit, operating efficiency, and balance sheet flexibility.
  • total company revenue of $875 million increased 17% from the first quarter of 2025, exceeding our expectations, driven by 28% year-over-year growth in total company combined loan and finance receivable balances on an amortized basis.
  • Total company originations during the first quarter rose 33% from the first quarter of 2025 to $2.3 billion.

Bear points

  • consumer sentiment as well as small businesses expressed concerns about the future impact of the recent spike in gasoline prices.
  • the line of credit was that particular segment that you were talking about with those growth rates was impacted by our purposeful, you know, look at credit back in the middle of last year, slow growth, make sure we were calibrated correctly, meeting our unit economics.
  • Hey, Steve mentioned it earlier, you know, some of the mix on the consumer side, more installment that has a little lower yield than the line of credit.
Read full transcript analysis ›