Is Enova International Stock a Good Investment?
Enova International Investment Advice | ENVA |
- Examine Enova International's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Enova International's leadership team and their track record. Good management can help Enova International navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact Enova International's business and its evolving consumer preferences.
- Compare Enova International's performance and market position to its competitors. Analyze how Enova International is positioned in terms of product offerings, innovation, and market share.
- Check if Enova International pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Enova International's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Enova International stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Enova International is a good investment.
Sell | Buy |
Cautious Hold
Market Performance | OK | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Low | Details | |
Economic Sensitivity | Actively responds to the market | Details | |
Investor Sentiment | Alarmed | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Enova International Stock
Researching Enova International's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 97.0% of the company shares are held by institutions such as insurance companies. The book value of Enova International was currently reported as 49.01. The company recorded earning per share (EPS) of 9.38. Enova International had not issued any dividends in recent years.
To determine if Enova International is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Enova International's research are outlined below:
| Over 97.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from investors.com: Stocks Generating Improved Relative Strength Enova International |
Enova International Quarterly Good Will |
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Enova International uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Enova International. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Enova International's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 30th of January 2024 Upcoming Quarterly Report | View | |
| 23rd of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 30th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Enova International's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Enova International's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2018-02-01 | 2017-12-31 | 0.23 | 0.26 | 0.03 | 13 | ||
2017-07-27 | 2017-06-30 | 0.37 | 0.41 | 0.04 | 10 | ||
2017-04-27 | 2017-03-31 | 0.4 | 0.45 | 0.05 | 12 | ||
2018-07-26 | 2018-06-30 | 0.53 | 0.59 | 0.06 | 11 | ||
2016-10-27 | 2016-09-30 | 0.22 | 0.28 | 0.06 | 27 | ||
2016-02-04 | 2015-12-31 | 0.13 | 0.19 | 0.06 | 46 | ||
2016-07-28 | 2016-06-30 | 0.21 | 0.28 | 0.07 | 33 | ||
2017-10-26 | 2017-09-30 | 0.16 | 0.25 | 0.09 | 56 |
Enova International Target Price Consensus
Enova target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Enova International's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 8 | Strong Buy |
Most Enova analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Enova stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Enova International, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationEnova International Target Price Projection
Enova International's current and average target prices are 102.60 and 126.50, respectively. The current price of Enova International is the price at which Enova International is currently trading. On the other hand, Enova International's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Enova International Market Quote on 4th of August 2025
Target Price
Analyst Consensus On Enova International Target Price
Enova International Analyst Ratings
Enova International's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Enova International stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Enova International's financials, market performance, and future outlook by experienced professionals. Enova International's historical ratings below, therefore, can serve as a valuable tool for investors.Know Enova International's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Enova International is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Enova International backward and forwards among themselves. Enova International's institutional investor refers to the entity that pools money to purchase Enova International's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Northern Trust Corp | 2025-03-31 | 393.3 K | Morgan Stanley - Brokerage Accounts | 2025-03-31 | 380.1 K | Amvescap Plc. | 2025-03-31 | 358.7 K | Sparta 24 Ltd. | 2025-03-31 | 333.4 K | Jpmorgan Chase & Co | 2025-03-31 | 310.4 K | No Street Gp Lp | 2025-03-31 | 292.5 K | Millennium Management Llc | 2025-03-31 | 276.5 K | Ubs Group Ag | 2025-03-31 | 268.2 K | Arrowstreet Capital Limited Partnership | 2025-03-31 | 259.2 K | Blackrock Inc | 2025-03-31 | 4.8 M | Vanguard Group Inc | 2025-03-31 | 2 M |
Enova International's market capitalization trends
The company currently falls under 'Mid-Cap' category with a current market capitalization of 2.52 B.Market Cap |
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Enova International's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.04 | 0.04 | |
| Return On Capital Employed | 0.12 | 0.12 | |
| Return On Assets | 0.04 | 0.04 | |
| Return On Equity | 0.17 | 0.17 |
Determining Enova International's profitability involves analyzing its financial statements and using various financial metrics to determine if Enova International is a good buy. For example, gross profit margin measures Enova International's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Enova International's profitability and make more informed investment decisions.
Enova International's Earnings Breakdown by Geography
Please note, the presentation of Enova International's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Enova International's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Enova International's management manipulating its earnings.
Evaluate Enova International's management efficiency
Enova International has return on total asset (ROA) of 0.0486 % which means that it generated a profit of $0.0486 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.2156 %, meaning that it created $0.2156 on every $100 dollars invested by stockholders. Enova International's management efficiency ratios could be used to measure how well Enova International manages its routine affairs as well as how well it operates its assets and liabilities. As of August 4, 2025, Return On Tangible Assets is expected to decline to 0.04. In addition to that, Return On Capital Employed is expected to decline to 0.12. At present, Enova International's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Non Currrent Assets Other is expected to grow to about 25.4 M, whereas Non Current Assets Total are forecasted to decline to about 397.5 M.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 44.46 | 46.69 | |
| Tangible Book Value Per Share | 33.68 | 35.37 | |
| Enterprise Value Over EBITDA | 18.24 | 19.16 | |
| Price Book Value Ratio | 2.16 | 2.05 | |
| Enterprise Value Multiple | 18.24 | 19.16 | |
| Price Fair Value | 2.16 | 2.05 |
The leadership approach at Enova International's fosters a culture of excellence and accountability. Our analysis examines how this culture influences financial outcomes and stock valuation.
Beta 1.482 |
Basic technical analysis of Enova Stock
As of the 4th of August, Enova International shows the Mean Deviation of 1.58, coefficient of variation of 5571.99, and Downside Deviation of 2.4. Enova International technical analysis allows you to utilize historical prices and volume patterns in order to determine a pattern that computes the direction of the firm's future prices.Enova International's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Enova International insiders, such as employees or executives, is commonly permitted as long as it does not rely on Enova International's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Enova International insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Enova International's Outstanding Corporate Bonds
Enova International issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Enova International uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Enova bonds can be classified according to their maturity, which is the date when Enova International has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| ENQLN 11625 01 NOV 27 Corp BondUS29357JAC09 | View | |
| US29355AAK34 Corp BondUS29355AAK34 | View | |
| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| BNP Paribas FRN Corp BondUSF1R15XK367 | View | |
| ESGR 31 01 SEP 31 Corp BondUS29359UAC36 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View |
Understand Enova International's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Enova International's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.0206 | |||
| Market Risk Adjusted Performance | 0.0283 | |||
| Mean Deviation | 1.58 | |||
| Semi Deviation | 2.32 | |||
| Downside Deviation | 2.4 | |||
| Coefficient Of Variation | 5571.99 | |||
| Standard Deviation | 2.22 | |||
| Variance | 4.95 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.14) | |||
| Total Risk Alpha | (0.26) | |||
| Sortino Ratio | (0.03) | |||
| Treynor Ratio | 0.0183 | |||
| Maximum Drawdown | 10.47 | |||
| Value At Risk | (4.02) | |||
| Potential Upside | 3.42 | |||
| Downside Variance | 5.77 | |||
| Semi Variance | 5.38 | |||
| Expected Short fall | (1.62) | |||
| Skewness | (0.70) | |||
| Kurtosis | 2.1 |
| Risk Adjusted Performance | 0.0206 | |||
| Market Risk Adjusted Performance | 0.0283 | |||
| Mean Deviation | 1.58 | |||
| Semi Deviation | 2.32 | |||
| Downside Deviation | 2.4 | |||
| Coefficient Of Variation | 5571.99 | |||
| Standard Deviation | 2.22 | |||
| Variance | 4.95 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.14) | |||
| Total Risk Alpha | (0.26) | |||
| Sortino Ratio | (0.03) | |||
| Treynor Ratio | 0.0183 | |||
| Maximum Drawdown | 10.47 | |||
| Value At Risk | (4.02) | |||
| Potential Upside | 3.42 | |||
| Downside Variance | 5.77 | |||
| Semi Variance | 5.38 | |||
| Expected Short fall | (1.62) | |||
| Skewness | (0.70) | |||
| Kurtosis | 2.1 |
Consider Enova International's intraday indicators
Enova International intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Enova International stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 4122.75 | |||
| Daily Balance Of Power | 1.291139 | |||
| Rate Of Daily Change | 1.02 | |||
| Day Median Price | 101.95 | |||
| Day Typical Price | 102.17 | |||
| Price Action Indicator | 1.67 | |||
| Period Momentum Indicator | 2.04 | |||
| Relative Strength Index | 93.49 |
Enova International Corporate Filings
F4 | 31st of July 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
10Q | 25th of July 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 24th of July 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 30th of April 2025 Other Reports | ViewVerify |
Enova Stock media impact
There is far too much social signal, news, headlines, and media speculation about Enova International that are available to investors today. This information is accessible both publicly - through Enova International's media outlets and privately, via word of mouth or internal channels. However, regardless of the source, the sheer volume of Enova-related data is difficult to distill into actionable insights, especially for investors who are not well-versed in the rapidly evolving tools and techniques of investment management.
A primary focus of Enova International news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Enova International relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Enova International's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Enova International alpha.
Enova International Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Enova International can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Enova International Historical Investor Sentiment
Investor biases related to Enova International's public news can be used to forecast risks associated with an investment in Enova. The trend in average sentiment can be used to explain how an investor holding Enova can time the market purely based on public headlines and social activities around Enova International. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Enova International's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Enova International and other traded tickers. The bigger the bubble, the more accurate the estimated score. Higher bars for a given day show more participation in the average Enova International news discussions. The higher the estimate score, the more favorable the investor's outlook on Enova International.
Enova International Corporate Directors
| Ellen Carnahan | Independent Director | Profile | |
| Steven CFA | Chief Director | Profile | |
| Linda Rice | Independent Director | Profile | |
| William Goodyear | Independent Director | Profile |
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in Enova International. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real. For information on how to trade Enova Stock refer to our How to Trade Enova Stock guide.You can also try the Price Ceiling Movement module to calculate and plot Price Ceiling Movement for different equity instruments.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Enova International. If investors know Enova will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Enova International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.482 | Earnings Share 9.38 | Revenue Per Share | Quarterly Revenue Growth 0.199 | Return On Assets |
The market value of Enova International is measured differently than its book value, which is the value of Enova that is recorded on the company's balance sheet. Investors also form their own opinion of Enova International's value that differs from its market value or its book value, called intrinsic value, which is Enova International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Enova International's market value can be influenced by many factors that don't directly affect Enova International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Enova International's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Enova International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Enova International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.