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ENVA

Enova International, Inc. (ENVA)

Financial Services • Credit Services

StockNYSEUnited StatesUS29357K1034

167.92 USD +0.54% today Updated 13 Nov 2026 15:17

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Price history

Daily prices in USD. Dividends, results and news are marked on the day they happened; click a day to see them.

All time

Updated 13 Nov 2026 15:17. Information, not advice. Showing the last 12 months. Create a free account to see the whole history

Results

Next results 26 Jan 2027 in 74 days · 16:00 · estimate 4.62
Last results 4.48 vs 4.40 estimated 22 Oct 2026 · Beat +1.8%
Beat the estimate 12 of 12 0 missed · 0 in line · 12 beats in a row
Average surprise +8.4% reported against the estimate, last 12 quarters

Earnings per share: estimate and reported

30 Jan 2024: estimate 1.66 30 Jan 2024: reported 1.83 01/24 23 Apr 2024: estimate 1.72 23 Apr 2024: reported 1.91 04/24 23 Jul 2024: estimate 2.07 23 Jul 2024: reported 2.21 07/24 22 Oct 2024: estimate 2.31 22 Oct 2024: reported 2.45 10/24 04 Feb 2025: estimate 2.27 04 Feb 2025: reported 2.61 02/25 29 Apr 2025: estimate 2.76 29 Apr 2025: reported 2.98 04/25 24 Jul 2025: estimate 2.98 24 Jul 2025: reported 3.23 07/25 23 Oct 2025: estimate 3.03 23 Oct 2025: reported 3.36 10/25 27 Jan 2026: estimate 3.17 27 Jan 2026: reported 3.46 01/26 23 Apr 2026: estimate 3.68 23 Apr 2026: reported 3.87 04/26 23 Jul 2026: estimate 3.96 23 Jul 2026: reported 4.31 07/26 22 Oct 2026: estimate 4.40 22 Oct 2026: reported 4.48 10/26

Estimate Reported: beat Reported: miss In line

Quarterly results

DateEPS estimateEPS reportedSurpriseResult
26 Jan 2027 16:00 4.62 — — Upcoming
22 Oct 2026 16:00 4.40 4.48 +1.8% Beat
23 Jul 2026 16:00 3.96 4.31 +8.8% Beat
23 Apr 2026 16:00 3.68 3.87 +5.1% Beat
27 Jan 2026 16:00 3.17 3.46 +9.2% Beat
23 Oct 2025 16:00 3.03 3.36 +10.8% Beat
24 Jul 2025 16:00 2.98 3.23 +8.3% Beat
29 Apr 2025 16:00 2.76 2.98 +8.0% Beat
04 Feb 2025 16:00 2.27 2.61 +15.2% Beat
22 Oct 2024 16:00 2.31 2.45 +6.1% Beat
23 Jul 2024 16:00 2.07 2.21 +6.6% Beat
23 Apr 2024 16:00 1.72 1.91 +11.3% Beat
30 Jan 2024 16:00 1.66 1.83 +10.0% Beat
24 Oct 2023 16:00 2.00 1.50 -24.8% Miss
25 Jul 2023 16:00 1.68 1.72 +2.7% Beat
25 Apr 2023 16:00 1.53 1.79 +17.2% Beat
01 Feb 2023 16:00 1.71 1.76 +3.1% Beat
27 Oct 2022 16:00 1.64 1.74 +6.1% Beat
28 Jul 2022 16:00 1.53 1.64 +7.5% Beat
03 May 2022 16:00 1.57 1.67 +6.4% Beat
03 Feb 2022 16:00 1.18 1.61 +36.4% Beat
28 Oct 2021 16:00 1.11 1.50 +34.8% Beat
29 Jul 2021 16:00 1.31 2.26 +72.5% Beat
29 Apr 2021 16:00 1.29 2.20 +71.2% Beat
04 Feb 2021 16:00 1.23 2.39 +94.3% Beat
27 Oct 2020 16:00 0.80 2.97 +272.4% Beat
28 Jul 2020 16:00 0.92 1.68 +82.6% Beat
28 Apr 2020 16:00 1.34 0.26 -80.6% Miss
29 Jan 2020 16:00 1.08 0.92 -15.0% Miss
24 Oct 2019 16:00 0.81 0.86 +6.8% Beat
25 Jul 2019 16:00 0.64 0.81 +27.1% Beat
25 Apr 2019 16:00 0.95 1.16 +22.4% Beat
31 Jan 2019 16:00 0.52 0.52 0.0% In line
25 Oct 2018 16:00 0.47 0.46 -1.6% Miss
26 Jul 2018 16:00 0.53 0.59 +11.3% Beat
26 Apr 2018 16:00 0.67 1.02 +51.5% Beat
01 Feb 2018 16:00 0.23 0.26 +15.6% Beat
26 Oct 2017 16:00 0.16 0.25 +53.9% Beat
27 Jul 2017 16:00 0.37 0.41 +10.8% Beat
27 Apr 2017 16:00 0.40 0.45 +13.2% Beat
02 Feb 2017 16:00 0.27 0.25 -6.5% Miss
27 Oct 2016 16:00 0.22 0.28 +26.0% Beat
28 Jul 2016 16:00 0.21 0.28 +33.3% Beat
28 Apr 2016 16:00 0.17 0.31 +82.4% Beat
04 Feb 2016 16:00 0.13 0.19 +42.5% Beat
04 Nov 2015 16:00 0.36 0.19 -47.2% Miss
05 Aug 2015 07:00 0.47 0.44 -5.4% Miss
06 May 2015 16:00 0.69 0.79 +14.5% Beat
03 Feb 2015 16:00 0.57 0.68 +19.3% Beat

Annual results · USD

YearRevenueChangeNet income Net marginEPSEPS changeFree cash flow
2025 3.2B +18.6% 308.4M 9.8% 11.52 +55.0% 1.8B
2024 2.7B +25.5% 209.4M 7.9% 7.43 +35.3% 1.5B
2023 2.1B +22.0% 175.1M 8.3% 5.49 -11.3% 1.1B
2022 1.7B — 207.4M 11.9% 6.19 — 850.4M
2021 — — — — — — —

Dates and earnings per share from the company reports as collected by the data provider; the estimate is the analysts' average before the report. Information, not advice.

Prices by day, week and month

Price history in USD, by month
PeriodOpening priceHighLow Closing priceChangeVolumeDividend
Nov 2026 In progress 176.10 185.00 162.65 167.92 -3.54% 3,029,992
Oct 2026 167.27 184.80 163.65 174.09 +4.18% 7,482,400
Sep 2026 226.50 235.82 165.90 167.11 -26.29% 8,851,000
Aug 2026 255.75 267.45 226.43 226.72 -10.79% 5,604,500
Jul 2026 240.06 260.79 214.62 254.14 +5.57% 8,641,300
Jun 2026 160.12 242.93 158.38 240.73 +49.05% 9,105,700
May 2026 170.80 175.90 157.39 161.51 -4.66% 4,157,800
Apr 2026 137.61 176.02 133.17 169.41 +24.72% 4,826,200
Mar 2026 135.73 146.25 129.25 135.83 -2.32% 5,158,400
Feb 2026 163.08 176.68 135.44 139.05 -15.81% 7,224,800
51 older periods: create a free account to see the whole history

Prices in USD, adjusted for splits but not for dividends. Weeks run Monday to Friday and months follow the calendar; the change compares each close with the previous period's. Dividends are those whose ex-dividend date falls in the period, per share. Information, not advice.

News

Headlines link to the original articles of the publishers shown; Kyvero does not write, check or endorse them. Only the most relevant news about each company is kept. Information, not advice.

Key data

Previous close
167.01 USD
Market cap
4.1B
Exchange
NYSE
Country
United States
Sector
Financial Services
Industry
Credit Services
Currency
USD

Dividends

No dividends on record.

Why this score

How the score is made up
Part of the scorePointsWhy
Business growth Yearly growth of revenue and of earnings per share. 25.0 / 25
  • Revenue growth of 22.0% a year
  • Earnings per share growth of 23.0% a year
Quality Return on equity, net margin and how stable the margins are. 24.0 / 25
  • ROE of 27%
Financial strength Net debt against operating earnings, interest cover and free cash flow. 10.0 / 20
  • Net debt is 11.8× EBITDA
  • Free cash flow yield of 43.4%
Valuation Free cash flow yield and the P/E against its sector. 13.4 / 15
  • P/E 11.5 against 12.9 for its sector
Analysts How far the analysts' average target is from today's price. 10.0 / 10
  • Analysts' target is +37% from the price
  • Heavy debt: net debt is 11.8× EBITDA
  • Total debt has risen three years in a row

Growth profile: it pays no dividend, so it is scored on business growth, quality and financial strength. Based on 95% of the figures (grade A). Warnings take 12 points off.

Warnings take points off and some cap the score. In your account the score also considers how the share fits your portfolio. How the score works

Figures

Valuation
FigureValueReading Sector median
P/E (trailing) 11.53× Good 12.94×
P/E (forward) 7.83× Good 10.82×
Price / book 2.63× Fair 1.66×
Price / sales 2.23× Fair 3.22×
Free cash flow yield 43.4% Good 6.9%
Quality
FigureValueReading Sector median
Gross margin 83.7% Good 26.2%
Operating margin 27.7% Good 33.4%
Net margin 20.9% Good 22.7%
Return on equity 26.8% Good 13%
Return on assets 5.6% Fair 1.6%
Growth
FigureValueReading Sector median
Revenue growth / year 22% Good 9%
EPS growth / year 23% Good 9.1%
Financial health
FigureValueReading Sector median
Debt / equity 3.45× Weak 0.49×
Net debt / EBITDA 11.8× Weak 0.21×
Current ratio 20.66× Good 1.51×
Dividends
FigureValueReading Sector median
Payout of earnings 0% Weak 26.2%

The reading follows general rules of thumb and each sector has its own norms: compare with the sector median when it is shown. Information, not advice.

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