ENVA$130.83
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Performance
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AI ENVA Summary
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Powered by LiveAIOverall Analysis
BuyEnova International shows solid fundamental strength and a stable thematic outlook focused on financial services and technology platforms. Technical indicators suggest a cautiously optimistic trading environment.
Thematic
Enova operates in the online financial services space, offering installment loans and credit products across multiple regions including the U.S. and Brazil. While its technology and analytics edge provides some competitive advantage, the financial services sector faces regulatory and macroeconomic challenges.
Fundamental
Fundamentals show solid profitability and growth with manageable debt levels. The valuation metrics are reasonable given current earnings, supported by healthy free cash flow and strong earnings surprises.
Technical
Technical indicators show the stock in a bullish trend with strong moving average support and positive momentum, though some oscillators indicate neutral or caution signals for short-term traders.
| Factor | Score |
|---|---|
| Market Position & Product Diversification | 75 |
| Regulatory Environment | 55 |
| Digital Adoption & Innovation | 70 |
| Geographic Reach | 75 |
| Thematic Growth Drivers | 70 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 75 |
| Growth | 85 |
| Balance Sheet Health | 65 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 85 |
| Momentum | 70 |
| Volume & Oscillator Support | 75 |
| Support & Resistance | 70 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Consistent Earnings Beat
The company has consistently reported EPS beats in recent quarters, including a 15.21% surprise in Q1 2025 and 8.04% in Q2 2025, indicating strong earnings momentum.
Moderate P/E Ratio with Growth
The trailing P/E ratio is 13.47, which is reasonable relative to recent EPS growth and a market cap of approximately $2.9 billion, suggesting attractive valuation potential.
Bearish Points (5)
High Quarterly P/E Ratios
Recent quarterly P/E ratios have surged above 30 (e.g., 33.6 in Q1 2025 and up to 59.8 in early 2024), indicating possible overvaluation or elevated market expectations.
Declining Net Margins Trend
Net margin has decreased from 21.2% in 2021 to 7.9% in Q4 2024, signaling margin pressure and potential profitability challenges.
Calendar
July 2025
25
Next Earnings Date
H: $3.09
A: $3.00
L: $2.90
H: 768.95M
A: 756.69M
L: 749.15M
Profile
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides installment loans; line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It offers money transfer services. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company was founded in 2003 and is headquartered in Chicago, Illinois.
Seasonals
Price Target
126.50 USD
The 39 analysts offering 1 year price forecasts for ENVA have a max estimate of 138.00 and a min estimate of 109.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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