Enova International, Inc. (ENVA) Stock Price

ENVAStock

$243.39+117.28%52W

Market Cap$6.06B

P/E21.15x

PEG Ratio—

Div yield—

Beta1.26

ENVA Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)54.89%

Price vs S&P 500 (4W)-3.61%

VGM Score62.51

P/E Ratio (Annual)21.15x

P/CF (Annual)3.58x

Book Value / Share (Quarterly)$60.16

P/TBV (Annual)2.92x

Revenue Growth (3Y)17.87%

Cash Flow / Share (Quarterly)$78.47

Price vs S&P 500 (YTD)45.59%

Gross Margin (TTM)100.00%

Net Profit Margin (TTM)17.26%

EPS (TTM)$13.48

10-Day Avg Trading Volume0.28M

EPS Excl Extra (TTM)$13.48

Revenue Growth (5Y)21.75%

EPS (Annual)$11.52

ROI (Annual)5.29%

Gross Margin (Annual)100.00%

Net Profit Margin (5Y Avg)17.67%

Cash / Share (Quarterly)$4.91

P/E Basic Excl Extra (TTM)18.35x

Revenue Growth QoQ (YoY)28.68%

EPS Growth (5Y)-0.31%

P/E Normalized (Annual)21.15x

ROA (Last FY)4.77%

Revenue Growth TTM (YoY)22.52%

EBITD / Share (TTM)$32.83

ROE (5Y Avg)19.13%

Operating Margin (TTM)40.19%

Cash Flow / Share (Annual)$71.69

P/B Ratio4.36x

P/B Ratio (Quarterly)4.00x

Net Income / Employee (Annual)$168,000

EV / Revenue (TTM)5.54x

Net Interest Coverage (TTM)2.19x

ROA (TTM)5.36%

EPS Growth QoQ (YoY)39.92%

EV / EBITDA (TTM)13.17x

EPS Incl Extra (Annual)$11.52

Current Ratio (Annual)19.62x

Quick Ratio (Quarterly)20.16x

3-Month Avg Trading Volume0.33M

52-Week Price Return117.28%

EV / Free Cash Flow (Annual)6.44x

P/E Incl Extra (TTM)18.35x

Revenue / Employee (TTM)$1,121,800

Tangible BV / Share (Quarterly)$60.07

P/S Ratio (Annual)3.56x

Asset Turnover (Annual)0.28x

52-Week High$267.45

Operating Margin (5Y Avg)37.38%

EPS Excl Extra (Annual)$11.52

CapEx CAGR (5Y)9.83%

Tangible BV CAGR (5Y)8.38%

26-Week Price Return66.14%

Quick Ratio (Annual)19.62x

13-Week Price Return53.91%

Total Debt / Equity (Annual)3.37x

Current Ratio (Quarterly)20.16x

Enterprise Value$11.41B

Revenue / Share Growth (5Y)26.40%

Asset Turnover (TTM)0.31x

Book Value / Share Growth (5Y)16.11%

Revenue / Employee (Annual)$996,900

Pretax Margin (Annual)21.91%

Cash / Share (Annual)$2.90

3-Month Return Std Dev42.60%

Gross Margin (5Y Avg)69.98%

Net Income / Employee (TTM)$193,600

EBITDA CAGR (5Y)7.61%

EBITDA Interim CAGR (5Y)13.65%

ROE (Last FY)23.07%

Net Interest Coverage (Annual)2.26x

EPS Basic Excl Extra (Annual)$11.52

P/FCF (TTM)3.34x

Receivables Turnover (TTM)0.39x

EV / Free Cash Flow (TTM)5.84x

Total Debt / Equity (Quarterly)3.35x

EPS Incl Extra (TTM)$13.48

Receivables Turnover (Annual)0.44x

ROI (TTM)5.93%

P/S Ratio (TTM)3.17x

Pretax Margin (5Y Avg)23.09%

Revenue / Share (Annual)$68.36

Tangible BV / Share (Annual)$53.94

Forward P/E14.11x

Free OCF CAGR (5Y)20.02%

Price vs S&P 500 (52W)98.97%

P/E Ratio (TTM)18.35x

EPS Growth TTM (YoY)43.80%

Year-to-Date Return57.54%

5-Day Price Return-5.47%

EPS Normalized (Annual)$11.52

ROA (5Y Avg)5.47%

Net Profit Margin (Annual)16.85%

Month-to-Date Return-2.55%

Cash Flow / Share (TTM)$7.07

EBITD / Share (Annual)$29.14

EPS Growth (3Y)22.99%

Operating Margin (Annual)40.35%

LT Debt / Equity (Annual)3.37x

P/CF (TTM)3.26x

ROI (5Y Avg)6.05%

P/E Excl Extra (TTM)18.35x

LT Debt / Equity (Quarterly)3.35x

EPS Basic Excl Extra (TTM)$13.48

P/TBV (Quarterly)4.01x

P/B Ratio (Annual)2.91x

Pretax Margin (TTM)22.43%

Book Value / Share (Annual)$54.08

Price vs S&P 500 (13W)51.12%

Net Margin Growth (5Y)-21.13%

Beta1.26x

P/FCF (Annual)3.68x

Revenue / Share (TTM)$78.39

ROE (TTM)25.76%

52-Week Low$103.02

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ENVA Earnings Surprise History

Q2 253.23est. 2.98

Q3 253.36est. 3.03

Q4 253.46est. 3.17

Q1 263.87est. 3.68

Q2 264.31est. 3.96

ENVA Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.31

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	Price
ENVAEnova International, Inc.	C	C	A	$243.39
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$77.94
OMFOneMain Holdings, Inc.	B	C	B	$63.23
CACCCredit Acceptance Corp	C	C	B	$604.26
SLMSLM Corporation	C	C	B	$26.47
NNINelnet, Inc. Class A	C	C	C	$128.76
BFHBread Financial Holdings, Inc.	C	C	B	$107.63
HAPNHappen, Inc. Common Stock	D	C	B	$18.26
LCLendingClub Corporation	D	C	B	$18.25
ATLCAtlanticus Holdings Corporation	C	B	B	$93.95
PICSPicS N.V. Class A Common Shares	C	B	C	$10.85
WRLDWorld Acceptance Corp	C	D	B	$193.45
LPROOpen Lending Corporation Common Stock	D	C	B	$3.14
RMREGIONAL MANAGEMENT CORP	B	C	C	$33.34
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	$25.16
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	$25.38

About Enova International, Inc.

Enova International is an online financial services provider offering short-term consumer loans, lines of credit, and installment loans to retail consumers and small businesses, primarily in the United States and Brazil. The company operates multiple lending brands including CashNetUSA, NetCredit, and OnDeck, alongside a money transfer platform called Pangea. Its technology-driven platform processes credit applications quickly and efficiently, with the majority of revenue generated in the United States and the remainder from international markets.