ENVA Company Profile and Key Details

Enova International, Inc. generated EPS of $11.58 over the past year. Five-year average earnings growth is -0.31%. Wall Street analysts project EPS growth of 23.87% annually over the next five years. The latest quarter delivered EPS of $3.36. The next quarter is forecast at $3.64. Next year's EPS is expected at $23.83. Analyst sentiment is bullish. Analyst rating data shows there are 3 Strong Buy ratings, 4 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $199.00 to $144.00. The high target offers 29.36% upside. The low target suggests -6.4% downside. The mean target is $176.14. This offers 14.5% upside. Enova International, Inc. earnings surprise history is a mixed track record. The quarter that ended October 23, 2025, missed forecasts by 10.89%. The prior quarter beat by 8.75%. Over the last six quarters, Apple has recorded several small beats. These include -7.21% in July 23, 2024.

Short-term trend indicators are mixed aligned (SMA20 -3.02%, SMA50 -5.82%, SMA200 19.27%). The stock’s 14-day RSI is 46.68 (neutral), while the ATR of 6.37 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -16.03% below its high and over 86.83% above its low. Average 10-day trading volume of 183.79 thousand shares is below the 3-month average of 287.68 thousand, indicating normal recent market interest.

Enova International, Inc. (NYSE:ENVA) closed at $157.08 USD, gaining $0.86 (0.55%) from the previous close of $156.22. The stock is currently mid-range between its 52-week high and low $88.11 and $176.68. With a market capitalization of about $3.93 billion, Enova International, Inc. is classified as a mid-cap and shows market-like volatility (beta ~1.21). Key stats such as the average daily volume over the past year has been around 294.28 thousand shares, volume is running light vs its 52-week average. Headquartered in Chicago, IL, Enova International, Inc. operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO Steven E. Cunningham, the company employs approximately 1,787 people and listed since November 13, 2014. Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada.

Enova International, Inc. last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $43.93. This means the shares are trading above this model’s fair value.

Enova International, Inc. has 25.01 million shares outstanding. The public float is 23.84 million shares, elevated short interest at 10.50% of float. This equals 1.98 million shares. The short ratio is 5.48 days. Institutional investors hold 104.04% of the float. Insiders own 4.72%. Fisher David holds 326.44 thousand shares, Zeeman Gregory T has 163.82 thousand shares and Cunningham Steven E has 124.70 thousand shares. Over the past six months, insider transactions show net selling. They sold 131.04 thousand shares across 11 transactions.

Enova International, Inc. trades at a P/E ratio of 12.38, slightly below the S&P 500 average, with a price-to-sales ratio of 1.22 and a price-to-book ratio of 2.86 suggesting the stock is closer to book value. The P/FCF stands at 2.18, also below market averages.

Our AI price prediction model suggests that Enova International, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 7.76%, with price expected at $165.78 by April 28, 2026, within a range of $162.44 to $168.92 3-Month Outlook: Projected rise of 53.24%, reaching $235.75 by July 13, 2026, with a range of $224.75 to $248.43. 1-Year Outlook: Projected gain of 25.13%, with price at $192.50 by April 14, 2027, within a range of $188.10 to $197.10.

Enova International, Inc. (NYSE:ENVA) shares are flat -2.42% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Enova International, Inc. trading at a premium to the broader market with a P/E of 12.38. Analyst sentiment is cautious, with the majority of ratings in Market Outperform territory and a mean price target of $76.61, suggesting -50.2% downside. Our AI forecast model points to short-term strength (7.76% over two weeks), a medium-term rise (53.24% over three months), and a longer-term gain (25.13% over one year), with expected trading ranges indicating moderate volatility.