Enova International, Inc. (ENVA) Stock: Price, Forecast & Analyst Target
Enova International, Inc. (ENVA) — MoonshotScore 92/100 (Exceptional band), calculated Oct 4, 2026. Price $172.89 (+0.82%), as of the Oct 2, 2026 trading session; market cap $4.30B. Expected results Oct 22, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 35.18× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 22, 2026
Enova International, Inc. · ENVA · NYSE · Financial Services · Financial - Credit Services
Research dated 2026-09-13: Enova International is a technology and analytics platform in the credit space that sells online installment financing, credit lines, lender-arrangement services and money transfer across branded channels such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic and Pangea in the U.S., Brazil and other markets. The decision point is whether financed demand and service flow can keep expanding while cost structure preserves net revenue economics rather than letting acquisition and operating costs consume the margin advantage. The company’s business is not a single-lender story but a combined direct lending and partner-enablement model built around small-format credit demand.
Price as of Oct 2, 2026
Key Statistics
MoonshotScore v2 · Enova International (ENVA)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a cheap price, but a fragile balance sheet. Business Quality: Elite; Financial Safety: Strained; Valuation: Fair; Growth Durability: Compounding; Momentum: Quiet.
- quarterly revenue $494M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 7 of 8
- Altman Z 2.69 · Piotroski F 6
Holding back: balance-sheet strain
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 91 | Exceptional | |
| 89 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional |
The score moved from 91 in the stored Oct 3, 2026 snapshot to 92 in the current publication computed Oct 4, 2026 (+1); the largest pillar moves were Momentum +3 and Financial Safety +1.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $172.89 | |
| Change on the day | +0.82% | |
| 52-week range | $103.02 – $267.45 | |
| Market capitalisation | $4.30B | |
| Price / earnings (trailing) | 12.10 | |
| Shares traded on the day | 308.0K | |
| Beta (volatility vs the S&P 500) | 1.21 |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
For the third quarter of 2026, we expect total company revenue to be around 25% higher year-over-year.
Scott Cornelis · Statement from
Looking ahead, we expect the total company net revenue margin for the third quarter of 2026 to be in the 55% to 60% range.
Scott Cornelis · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Enova International (ENVA): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 25, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 5, 2026, except a card that shows its own read date.
Watch the ENVA film — every key number, told as a short cinematic story
~2 min · open the film
What is Enova International (ENVA), and what does it report?
Short answer · as of
Enova sells two types of output: borrower-facing credit products and lender-facing execution services.
Research dated 2026-09-13.
Enova sells two types of output: borrower-facing credit products and lender-facing execution services. The borrower-facing side includes installment and small-business credit products, while the lender-facing side covers credit application support, documentation assistance, marketing support and servicing under bank and partner programs.
Reported results are expressed through quarterly operating blocks for revenue, gross profit, operating result, net result and per-share earnings, with annual figures framing longer-term revenue and profit scale. A separate quarterly operating-cash-flow block, split by capex, is used to read how the platform converts credit activity into cash.
What do the latest results show for Enova International (ENVA)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $494M.
Research dated 2026-09-13.
The most recent quarter shows revenue pressure versus the prior period, yet profitability at both the operating and net level improved, which is a sign that pricing, mix or efficiency changes are still supporting the bottom line. That contrast is central for a credit-led model where volume and margin can move in different directions.
Management has guided to a much stronger upcoming-quarter revenue path and a higher net-revenue margin profile, while explicitly tying outcomes to marketing, operating, technology and administration intensity. Recent release history is mixed versus estimates, so each quarter still needs to be validated rather than inferred from a single trend.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $493.69M Jun 30, 2026
- Latest quarter · SG&A
- $247.64M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $237.15M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $493.69M | Not available | $247.64M | $237.15M |
| Mar 31, 2026 | $875.14M | Not available | $237.19M | $209.76M |
| Dec 31, 2025 | $839.39M | $67.50M | $238.68M | $186.65M |
| Sep 30, 2025 | $802.68M | Not available | $187.01M | $196.78M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $928.93M Jul 23, 2026
- Latest report · revenue estimate
- $909.61M Jul 23, 2026
- Latest report · revenue vs estimate
- Above estimate Jul 23, 2026
- Latest report · EPS vs estimate
- Above estimate Jul 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 23, 2026 | $928.93M | $909.61M | $4.3100 | $3.9900 |
| Apr 23, 2026 | $928.93M | $909.57M | $3.8700 | $3.9600 |
| Jan 27, 2026 | $839.39M | $838.59M | $3.4600 | $3.1700 |
| Oct 23, 2025 | $802.68M | $806.63M | $3.3600 | $3.0300 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $494M | $105M | $3.99 (diluted) |
| Q1 FY2026 | $875M | $91M | $3.46 (diluted) |
| Q4 FY2025 | $839M | $79M | $3.00 (diluted) |
| Q3 FY2025 | $803M | $80M | $3.03 (diluted) |
What are the financial strengths and risks for Enova International (ENVA)?
Short answer
Cash and short-term investments were $122.23M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $544.03M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
Cash generation is the core strength in the risk chain because operating cash flow remains positive in recent periods and capex has stayed comparatively contained. In this business, that matters more than headline scale when judging whether short-term expansion is financeable.
The other side is leverage: debt is materially larger than liquid resources, so liquidity comfort is not the same as unlimited flexibility. If credit conditions, approval mix or margin quality weaken for multiple periods, this cash-dependency can become the operational constraint despite otherwise solid profitability measures.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $544.03M Jun 30, 2026
- Previous quarter · operating cash flow
- $474.54M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $544.03M | −$12.61M |
| Mar 31, 2026 | $474.54M | −$10.75M |
| Dec 31, 2025 | $498.81M | −$11.70M |
| Sep 30, 2025 | $481.80M | −$11.34M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Enova International (ENVA)?
Short answer · as of
The next earnings report is expected on Oct 22, 2026.
Research dated 2026-09-13.
The next earnings cycle is the first real test of whether the guided expansion is translating from language into results, because margin and expense trajectory can drift even when top-line activity looks supportive. The watchpoints are revenue trend, net revenue margin direction and whether spending on marketing and operations remains proportional to growth.
Look for simultaneous confirmation in operating result, net result and operating cash flow. If growth improves but cash flow weakens as costs rise, the model’s margin protection is not actually translating; if both income and cash stay aligned, the guidance framework gains credibility.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
For the third quarter of 2026, we expect total company revenue to be around 25% higher year-over-year.
Scott Cornelis ·
Looking ahead, we expect the total company net revenue margin for the third quarter of 2026 to be in the 55% to 60% range.
Scott Cornelis ·
We expect marketing expenses to be around 20% of revenue for the third quarter, which will depend upon the growth and mix of originations.
Scott Cornelis ·
For the third quarter, we expect consolidated revenue to be around 25% higher year-over-year with a net revenue margin in the 55% to 60% range. Additionally, we expect marketing expenses to be around 20% of revenue, O&T costs of around 8% to 8.5% of revenue and G&A costs around 5% of revenue.
Scott Cornelis ·
How does Enova International compare with its peers?
Short answer
Enova International's score ranks tied for 5th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Compared with peers that are closer to a single-model lender, Enova has a structural edge in channel mix: it can grow from both proprietary credit offerings and partner-oriented origination, marketing and servicing work under the same corporate umbrella. That makes it harder to analyze on a single-demand proxy.
The practical effect is that performance is driven by how two engines interact: borrower demand for credit and demand from institutions or banks for channel and servicing execution. One can advance while the other slows, so a clean growth picture requires both components to be read together.
For this reason, the company is better framed as a platform managing multiple credit-related demand nodes than as a monolithic lender.
| Company | Price | Market value | Score |
|---|---|---|---|
| $98.05 Oct 2, 2026 | $3.96B | 96 5-pillar Oct 4, 2026 | |
| $527.50 Oct 2, 2026 | $5.52B | 96 5-pillar Oct 4, 2026 | |
| $56.02 Oct 2, 2026 | $6.47B | 95 5-pillar Oct 4, 2026 | |
| $10.30 Oct 2, 2026 | $5.11B | 93 5-pillar Oct 4, 2026 | |
| Enova International (ENVA) — this page | $172.89 | $4.30B | 92 |
| $27.04 Oct 2, 2026 | $4.13B | 92 5-pillar Oct 4, 2026 | |
| $22.75 Oct 2, 2026 | $4.28B | 92 5-pillar Oct 4, 2026 | |
| $107.41 Oct 2, 2026 | $3.61B | 85 5-pillar Oct 4, 2026 | |
| $123.87 Oct 2, 2026 | $4.45B | 76 5-pillar Oct 4, 2026 | |
| $214.79 Oct 2, 2026 | $2.34B | 75 5-pillar Oct 4, 2026 | |
| $25.26 Oct 2, 2026 | $3.07B | 73 5-pillar Oct 4, 2026 | |
| $43.38 Oct 2, 2026 | $3.15B | 59 5-pillar Oct 4, 2026 | |
| $25.42 Oct 2, 2026 | $2.14B | 47 5-pillar Oct 4, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $200.00 – $283.00
- Consensus target
- $247.60
- Median target
- $270.00
Consensus record · Captured .
Measured against a quoted price of $172.89 (as of Oct 2, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 17, 2026
- Transactions
- 54
- Identified insiders
- 15
- Purchases
- 0
- Sales
- 14
- Other transactions
- 40
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 96.3% Period end Jun 30, 2026
- Previous quarter · ownership
- 94.2% Prior to period end Jun 30, 2026
- Reporting holders
- 439 Period end Jun 30, 2026
- Previous quarter · holders
- 398 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 4,164,846 |
| Vanguard Capital Management LLC | 1,063,968 |
| State Street Corp | 1,014,929 |
| Invesco Ltd. | 941,183 |
| Dimensional Fund Advisors LP | 880,279 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Enova International (ENVA)?
ENVA Financial Services Stock FAQ
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
How does Enova’s CSO arrangement model change how it earns compared with direct lending alone?
CSO activity is defined as arranging loans with independent lenders and assisting with application preparation and documentation, so Enova can earn through partner origination flow even when balance-sheet lending activity is not dominant. That gives it an additional earnings lane beyond loans it directly books. The implication is that borrower demand and partner demand can diverge, so total company performance is not a pure read on one lending balance sheet.
What role do Enova’s bank program services play in the revenue mix, and why does that make peer comparisons tricky?
Bank programs add near-prime focused marketing and servicing work around unsecured installment lending, which is structurally different from pure credit portfolio growth. These programs create recurring activity tied to client relationships as well as credit demand. A shift in lending volume can therefore be partially offset or amplified by servicing and partnership flow, so peer comparisons based only on loan books can miss where revenue is really coming from.
Which cost area can swing Enova’s margins fastest from quarter to quarter?
Management has tied near-term profitability to the mix of growth and cost structure, specifically spending tied to customer acquisition, platform operations and support overheads. Those costs move quickly with volume and mix, so they can alter margin before a full credit cycle turn shows in headline revenue. That is why the same growth number can produce different profitability outcomes if spend discipline changes.
If credit demand softens, where is Enova most exposed and where is the buffer?
The buffer is operational: consistent operating cash flow can support expansion even when growth is uneven, while the exposure is structural leverage versus liquid assets. With higher debt relative to liquidity, the company’s resilience is tied directly to sustained cash performance. A sustained miss in operating cash flow would pressure flexibility much faster than a single revenue miss, because obligations stay fixed while financing flexibility narrows.
What is the ENVA stock price today?
The last price recorded on this page for Enova International, Inc. (ENVA) is $172.89, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ENVA price target?
The analyst consensus price target for Enova International, Inc. (ENVA) is $247.60 (range $200.00 to $283.00, median $270.00), per FMP data captured Oct 4, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.3-codex-spark) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (79 figures)
The 79 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Scott Cornelis (Jul 23, 2026): For the third quarter of 2026, we expect total company revenue to be around 25% higher year-over-year. Scott Cornelis (Jul 23, 2026): Looking ahead, we expect the total company net revenue margin for the third quarter of 2026 to be in the 55% to 60% range. Scott Cornelis (Jul 23, 2026): We expect marketing expenses to be around 20% of revenue for the third quarter, which will depend upon the growth and mix of originations. Scott Cornelis (Jul 23, 2026): For the third quarter, we expect consolidated revenue to be around 25% higher year-over-year with a net revenue margin in the 55% to 60% range. Additionally, we expect marketing expenses to be around 20% of revenue, O&T costs of around 8% to 8.5% of revenue and G&A costs around 5% of revenue. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | 175 West Jackson Blvd., Suite 600, Chicago, IL, 60604 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "175 West Jackson Blvd., Chicago, IL, 60604, US". |
FMP — 69 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 22, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $172.89 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-04T21:14:29.227Z. | |
px.change | Change on the day | +0.82% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $4.30B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:03.000Z. Captured from FMP at 2026-10-04T21:14:27.931Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.40 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $494M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 12.10 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 308.0K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 1.21 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Steven E. Cunningham | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 1,836 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $1.21B, net result $256.30M; FY2022 revenue $1.74B, net result $207.42M; FY2023 revenue $2.12B, net result $175.12M; FY2024 revenue $2.66B, net result $209.45M; FY2025 revenue $3.15B, net result $308.39M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 74.0% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $493.69M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $247.64M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $237.15M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $875.14M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $237.19M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $209.76M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $839.39M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.rd_k | R&D — period end 2025-12-31 | $67.50M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $238.68M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $186.65M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $802.68M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $187.01M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $196.78M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-23.revenue_actual | Revenue · reported — report date 2026-07-23 | $928.93M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.revenue_estimated | Revenue · estimate — report date 2026-07-23 | $909.61M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_actual | EPS · reported — report date 2026-07-23 | $4.3100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_estimated | EPS · estimate — report date 2026-07-23 | $3.9900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $928.93M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $909.57M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $3.8700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $3.9600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_actual | Revenue · reported — report date 2026-01-27 | $839.39M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.revenue_estimated | Revenue · estimate — report date 2026-01-27 | $838.59M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_actual | EPS · reported — report date 2026-01-27 | $3.4600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-27.eps_estimated | EPS · estimate — report date 2026-01-27 | $3.1700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $802.68M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $806.63M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $3.3600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $3.0300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $122.23M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $544.03M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $0.00 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $5.05B | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 2.87× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $544.03M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $474.54M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$12.61M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$10.75M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $498.81M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$11.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $481.80M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$11.34M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $200.00 – $283.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $247.60 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $270.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 4, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 54 transactions · 0 purchases, 14 sales, 40 other transactions · 15 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 17, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 96.3% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 94.2% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 439 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 398 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 4,164,846 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Capital Management LLC — shares in provider snapshot | 1,063,968 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | State Street Corp — shares in provider snapshot | 1,014,929 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Invesco Ltd. — shares in provider snapshot | 941,183 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Dimensional Fund Advisors LP — shares in provider snapshot | 880,279 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 3 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-17 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 2.69 · Piotroski F 6 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-03 · Expired observation | |
px.range52 | 52-week range | $103.02 – $267.45 | UNRECORDED | Stored company-profile observation — Captured 2026-10-04 |
COMPUTED — 3 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 35.18× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $122.23M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
earn.history.depth.2026-07-23.revenue_actual.comparison | Latest report · revenue vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($928.93M) with the recorded estimate ($909.61M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-23.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($4.3100) with the recorded estimate ($3.9900) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 92 of 100 · Exceptional · pillars 98 / 23 / 77 / 96 / 50 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 91 (stored snapshot Oct 3, 2026) → 92 (current publication computed Oct 4, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.rd_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-23. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,earn.history.depth.2026-07-23.revenue_actual.comparison,earn.history.depth.2026-07-23.eps_actual.comparison,earn.history.depth.2026-07-23.eps_actual,earn.history.depth.2026-07-23.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-01-27.revenue_actual,earn.history.depth.2026-01-27.revenue_estimated,earn.history.depth.2026-01-27.eps_actual,earn.history.depth.2026-01-27.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6141 — Personal Credit Institutions. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Legal name | Enova International, Inc. | 2026-02-20 | OFFICIAL | SEC EDGAR — 10-K filed 2026-02-20 |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $122.20M; Cash and short-term investments: $122.20M; Long-term investments: $0; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-23 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-23 | FMP | Financial Modeling Prep (FMP) earnings |
| Next earnings report | Date: 2026-10-22; EPS estimate: $4.46 per share; Revenue estimate: $1.00B The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst actions, most recent per firm | Captured record · 10 entries
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2026-07-24 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Cash, investments and debt | Total debt: $5.05B; Liquidity basis: cash and short-term investments; Total liabilities: $5.73B; Cash and short-term investments: $122.23M; Cash and investments: $122.20M; Long-term investments: $0; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 18.42; Current ratio: 18.42; Debt to equity: 3.37; Net margin: 11.8%; Gross margin: 74%; Operating margin: 27.6%; Return on assets: 4.9%; Return on equity: 25.8% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Distress and quality screens | Altman Z-score: 2.83; Piotroski F-score: 6 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
Data provided for informational purposes only.