Enova International Inc ENVA Stock Analysis
- NYSE
- Stock
- Market closed · opens Monday 9:30 AM ET
$172.48 down $1.80, 1.03% at close Nov 6
Last close · Previous close $174.28
- Market cap
- At the Nov 6 close
- P/E ratio
- 11.89On last 12 months’ EPS
- Diluted EPS
- $14.51Last 12 months
- Dividend yield
- NoneLast 12 months
Price chart
$172.48down $1.80, 1.03%Fri, Nov 6 session
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$174.28Nov 5
- Volume251.92KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume326.33KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $119.02 to $267.45; now $172.48
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
ENVA beat the S&P 500 in 5 of 7 periods.
| Period | ENVA and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | ENVA: down 5.7% S&P 500: down 5.6% | ENVA trailed the S&P 500 by 0.1 percentage points Trailed |
| 3M | ENVA: down 32.6% S&P 500: down 4.1% | ENVA trailed the S&P 500 by 28.5 percentage points Trailed |
| YTD | ENVA: up 9.7% S&P 500: up 8.7% | ENVA beat the S&P 500 by 1.0 percentage points Beat |
| 1Y | ENVA: up 40.4% S&P 500: up 10.9% | ENVA beat the S&P 500 by 29.5 percentage points Beat |
| Long term | ||
| 3Y | ENVA: up 306.3% S&P 500: up 75.0% +59.6% vs +20.5% a year | ENVA beat the S&P 500 by 231.3 percentage points Beat |
| 5Y | ENVA: up 325.9% S&P 500: up 67.8% +33.6% vs +10.9% a year | ENVA beat the S&P 500 by 258.1 percentage points Beat |
| 10Y | ENVA: up 1,860.0% S&P 500: up 313.1% +34.7% vs +15.2% a year | ENVA beat the S&P 500 by 1,546.9 percentage points Beat |
$10,000 invested in ENVA 10 years ago (Nov 4, 2016) would be worth about $196,000 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $41,313.
ENVA beat the S&P 500 in 5 of 7 periods.
| Period | ENVA and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | ENVA: down 5.7% S&P 500: down 5.6% | ENVA trailed the S&P 500 by 0.1 percentage points Trailed |
| 3M | ENVA: down 32.6% S&P 500: down 4.3% | ENVA trailed the S&P 500 by 28.3 percentage points Trailed |
| YTD | ENVA: up 9.7% S&P 500: up 7.8% | ENVA beat the S&P 500 by 1.9 percentage points Beat |
| 1Y | ENVA: up 40.4% S&P 500: up 9.7% | ENVA beat the S&P 500 by 30.7 percentage points Beat |
| Long term | ||
| 3Y | ENVA: up 306.3% S&P 500: up 68.8% +59.6% vs +19.1% a year | ENVA beat the S&P 500 by 237.5 percentage points Beat |
| 5Y | ENVA: up 325.9% S&P 500: up 56.9% +33.6% vs +9.4% a year | ENVA beat the S&P 500 by 269.0 percentage points Beat |
| 10Y | ENVA: up 1,860.0% S&P 500: up 252.6% +34.7% vs +13.4% a year | ENVA beat the S&P 500 by 1,607.4 percentage points Beat |
$10,000 invested in ENVA 10 years ago (Nov 4, 2016) would be worth about $196,000 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $35,257.
All-time high
$265.45
Closing high on . Now 35.0% below that record.
Split-adjusted daily closes since Nov 13, 2014.
Stock splits
ENVA hasn’t split since its price history begins in 2014.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q3 FY26, the quarter ended Sep 30, 2026. “Last 12 months” means the four quarters from Oct 1, 2025 to Sep 30, 2026, and balance-sheet figures are as of Sep 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $3.65Bup 20.1%
- Net income
- $382.44Mup 30.5%
- Diluted EPS
- $14.51up 33.5%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q4 FY24 (Dec 31, 2024) | $729.55M | $63.70M | $2.29 |
| Q1 FY25 (Mar 31, 2025) | $745.54M | $72.95M | $2.69 |
| Q2 FY25 (Jun 30, 2025) | $764.04M | $76.15M | $2.86 |
| Q3 FY25 (Sep 30, 2025) | $802.68M | $80.31M | $3.03 |
| Q4 FY25 (Dec 31, 2025) | $839.39M | $78.98M | $2.99 |
| Q1 FY26 (Mar 31, 2026) | $875.14M | $91.10M | $3.46 |
| Q2 FY26 (Jun 30, 2026) | $928.93M | $105.06M | $4.00 |
| Q3 FY26 (Sep 30, 2026) | $1.01B | $107.30M | $4.06 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $1.21B | $256.30M | $6.79 |
| FY22 (Dec 31, 2022) | $1.74B | $207.42M | $6.19 |
| FY23 (Dec 31, 2023) | $2.12B | $175.12M | $5.49 |
| FY24 (Dec 31, 2024) | $2.66B | $209.45M | $7.43 |
| FY25 (Dec 31, 2025) | $3.15B | $308.39M | $11.52 |
Margins
- Gross 60.6%
- Operating 24.0%
- Net 10.5%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- $2.01BLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flow$2.05BLast 12 months
- Capital spending$46.69MLast 12 months
- 54.9%Last 12 months
Free cash flow as a share of revenue, both over the last 12 months.
Shareholder returns
- $133.95MLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paid$0.00Last 12 months
- Total returned$133.95MLast 12 months
7% of free cash flow
Balance sheet
- Not reportedAs of Sep 30, 2026
Cash plus short- and long-term marketable securities on the Sep 30, 2026 balance sheet.
- Total debt$5.41BAs of Sep 30, 2026
- 3.45As of Sep 30, 2026
Total debt divided by shareholders’ equity on the Sep 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 26.4%Last 12 months
Over the last 12 months, Enova International’s net income was 26.4% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 5.4%Last 12 months
Over the last 12 months, Enova International’s net income was 5.4% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
About Enova International Inc
Enova International is a leading online financial services company that serves small businesses and consumers who are underserved by traditional banks. For over 20 years, Enova has provided over $74 billion in loans and financing to more than 16 million customers by offering a suite of market-leading products powered by the company's world-class analytics, machine learning algorithms and proprietary technology.
- Sector
- Financial Services
- Industry
- Credit Services
- Headquarters
- Illinois, USA
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- NYSE
- Asset type
- Common stock
- Price history since
ENVA news
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ENVA stock FAQ
What is ENVA stock’s price today?
Enova International (ENVA) traded at $172.48 at the close on , down $1.80 (1.03%) from the previous close of $174.28. Over the past 52 weeks it has traded between $119.02 and $267.45.
If you invested $1,000 in ENVA 10 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in ENVA on would be worth about $19,600 at the close on , a total return of +1,860.0%. The same $1,000 would be worth $4,259 if invested five years ago and $1,404 if invested one year ago. Past performance doesn’t predict future returns.
What is ENVA’s P/E ratio?
ENVA trades at 11.9 times its diluted earnings over the four quarters to ($14.51 per share), at the close. (How the P/E ratio works.)
How much revenue does Enova International make?
Enova International reported $3.7 billion of revenue over the four quarters to , up 20.1% from the twelve months before. In its latest quarter (Q3 FY26, ended ) revenue was $1.0 billion, up 25.7% from a year earlier.
Is Enova International profitable?
Yes. Enova International earned $382.4 million of net income over the four quarters to , a net margin of 10.5%, and its operating margin was 24.0% (what margins tell you).
What are ENVA’s earnings per share?
ENVA’s diluted earnings per share were $14.51 over the four quarters to , compared with $10.87 in the twelve months before. The latest quarter (Q3 FY26) brought $4.06 per share, against $3.03 a year earlier (how EPS works).
Does ENVA pay a dividend?
Enova International hasn’t paid a dividend in the last twelve months.
What is ENVA’s 52-week high and low?
Over the past 52 weeks ENVA has traded as low as $119.02 and as high as $267.45. At $172.48 at the close on , it is 35.5% below that high and 44.9% above the low.
What is ENVA’s all-time high?
ENVA’s highest closing price was $265.45 on , adjusted for stock splits. At $172.48 at the close on , it is 35.0% below that record.
Has ENVA stock ever split?
No. ENVA hasn’t split since its price history begins in 2014.
How has ENVA stock performed?
Including dividends and measured to the close on , ENVA has returned +9.7% so far this year and +40.4% over the past year, and +325.9% over five years (+33.6% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is Enova International in?
Enova International is in the Financial Services sector and the Credit Services industry, and is headquartered in Illinois, USA.
What exchange does ENVA trade on?
Enova International trades on the NYSE under the ticker symbol ENVA. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
The Interactive Brokers word and logo are trademarks of Interactive Brokers LLC (or its subsidiaries) in the US and/or elsewhere. All rights reserved.