Enova International stock
ENVANYSEEnova International, Inc., Financial ServicesISIN US29357K1034
71Score 71 out of 100, Strong
Price and trend
47 / 100
Price history
+34% in one yearThe chart shows daily closes over 12 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 7.2% below it.
Since November 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 45).
The price is 36% below its 52-week high. Largest decline in 12 years: 82% (November 2014 to January 2016).
Chart figures for advanced users
- SMA 50$182.86
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$184.41
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)45
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$119.49
- The lowest closing price of the last twelve months.
- Resistance$265.45
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Enova International, Inc. belongs to the Financial (Credit Services) industry (United States) and, with a market value of $4.19B, is number 32 of 61 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $3.15B (up 18.6% year on year) and earnings of $308.39M (up 47.2%).
- For fiscal 2026, analysts expect on average revenue of $3.87B (up 22.8%) and adjusted earnings per share of $17.28 (up 32.6%).
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- MEQIRI Score 71 out of 100 (Strong): rank 374 of 976 in Financial Services, median 68.
- The P/E is 11.8 (Financial (Credit Services) median 11.8, own median of recent years 9.6).
- Our model puts fair value at $261.55, with the price 35% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings turn into cashFree cash flow above 500% of earnings over the last 12 months.Fundamentals 90
- Growing faster than its industryRevenue up 23.8% a year since 2020, Financial (Credit Services) median 9.7%.Growth 79
- Share buybacksShare count down 22% since 2020.Capital allocation 73
Weaknesses
- High debtDebt 3.45 times equity (latest quarter), Financial (Credit Services) median 1.48.Stability 40
- Interest barely coveredOperating profit covers interest only 2.9 times.Stability 40
- Volatile share priceVolatility 46% a year over the last 12 months.Stability 40
Its standout strengths are fundamentals and valuation, while technical analysis and stability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk high
How well MEQIRI warnsOne of the 30% with the highest crash risk among smaller stocks.
From 2016 to 2025, 36 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high price swings
- price far below its 52-week high
What lowers it
- solid fundamentals
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $186.82 and expensive above $435.91 (uncertainty high, based on the price swings of the past year).
The two parts of the fair value come to $352.81 (cash-flow model) and $170.29 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 10.7%. At 11.7% the fair value would be $246.97, at 9.7% it would be $280.77.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (11.8).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 20.1% on the twelve months before. Revenue has grown strongly since 2009, at around 17% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 50%, operating 23%, net 10%.
Debt & balance sheet
latest quarterDebt is elevated. Keep an eye on the interest burden and refinancing.
Earnings
- Next earnings
- 26 Jan 2027in 75 days
- Last reported
- 22 Oct 2026EPS reported $4.48 (expected $4.42)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $17.280.0%
- Revenue
- $3.87B+0.3%
- Earnings per share
- $21.32+1.7%
- Revenue
- $4.64B+2.0%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +6.6%Outlook raised: 2026 revenue growth now 20% to 25% and adjusted EPS growth of 30% to 35%.
“For the full year, we now expect revenue growth of 20% to 25% compared to the full year 2025, with continued operating leverage, full year 2026 adjusted EPS growth of 30% to 35% -- our third quarter and full year 2026 expectations will depend upon the path of the macroeconomic environment and the resulting impact on …”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 23 Jul 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 7 insiders sold, $40.97M in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
- Rahilly SeanSale
29 Oct 2026, General Counsel and Secretary
- Shares
- 10,000
- Price
- $183.26
- Value
- $1.83M
- Fisher DavidSale
28 Oct 2026, Executive Chairman
- Shares
- 9,957
- Price
- $178.16
- Value
- $1.77M
- Cunningham Steven ESale
27 Oct 2026, Chief Executive Officer
- Shares
- 7,914
- Price
- $172.00
- Value
- $1.36M
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- Chartier KirkSale
27 Oct 2026, Chief Strategy Officer
- Shares
- 27,977
- Price
- $171.51
- Value
- $4.8M
- Fisher DavidSale
27 Oct 2026, Executive Chairman
- Shares
- 13,200
- Price
- $171.79
- Value
- $2.27M
- Fisher DavidSale
17 Sept 2026, Executive Chairman
- Shares
- 20,750
- Price
- $178.24
- Value
- $3.7M
- Fisher DavidSale
26 Aug 2026, Executive Chairman
- Shares
- 9,078
- Price
- $239.16
- Value
- $2.17M
- Fisher DavidSale
25 Aug 2026, Executive Chairman
- Shares
- 9,491
- Price
- $244.01
- Value
- $2.32M
- Fisher DavidSale
15 Jul 2026, Executive Chairman
- Shares
- 11,494
- Price
- $231.45
- Value
- $2.66M
- Fisher DavidSale
14 Jul 2026, Executive Chairman
- Shares
- 17,006
- Price
- $231.51
- Value
- $3.94M
- Tebbe MarkSale
18 Jun 2026, Board
- Shares
- 20,000
- Price
- $201.37
- Value
- $4.03M
- Fisher DavidSale
17 Jun 2026, Executive Chairman
- Shares
- 33,060
- Price
- $199.05
- Value
- $6.58M
- Goodyear William MSale
16 Jun 2026, Board
- Shares
- 3,500
- Price
- $188.02
- Value
- $658,055
- Rice Linda JohnsonSale
29 May 2026, Board
- Shares
- 1,300
- Price
- $161.20
- Value
- $209,556
- Fisher DavidSale
22 May 2026, Executive Chairman
- Shares
- 3,076
- Price
- $158.45
- Value
- $487,382
- Fisher DavidSale
21 May 2026, Executive Chairman
- Shares
- 7,180
- Price
- $160.37
- Value
- $1.15M
- Goodyear William MSale
18 May 2026, Board
- Shares
- 6,231
- Price
- $166.08
- Value
- $1.03M
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Enova International
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 71
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- SezzleSEZL $5.16B75
- Klarna GroupKLAR $5.11B34
- Sundaram FinanceSUNDARMFIN.NS $5.07B68
- NelnetNNI $4.52B58
- Bread Financial HoldingsBFH $3.71B78
- SLMSLM $3.18B66
- Encore Capital GroupECPG $2.34B83
- Western UnionWU $2.1B61
ETFs that hold Enova International
Held by 13 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares S&P SmallCap 600 UCITS ETFIUS3 | 0.25% | 0.30% | €2.28B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.19% | 0.30% | €185.82M |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.14% | 0.30% | €2.17B |
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| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.14% | 0.30% | €4.22B |
| State Street SPDR MSCI USA Small Cap Value Weighted UCITS ETFZPRV | 0.05% | 0.30% | €944.34M |
| iShares MSCI USA Small Cap CTB Enhanced ESG UCITS ETFSXRG | 0.05% | 0.43% | €2.48B |
| State Street SPDR MSCI World Small Cap UCITS ETF (Acc)ZPRS | 0.05% | 0.45% | €1.53B |
| iShares MSCI World Small Cap CTB Enhanced ESG UCITS ETFCBUG | 0.01% | 0.35% | €434.1M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 11 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 2 Oct 2026)
- Valuation signal Undervalued since 12 Nov 2026, previously Fairly valued
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.