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Upturn AI SWOT - About
ENVA 
Enova International Inc (ENVA)
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Upturn Advisory Summary
10/27/2025: ENVA (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $137.25
1 Year Target Price $137.25
| 5 | Strong Buy |
| 2 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.53% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.10B USD | Price to earnings Ratio 11.53 | 1Y Target Price 137.25 |
Price to earnings Ratio 11.53 | 1Y Target Price 137.25 | ||
Volume (30-day avg) 8 | Beta 1.49 | 52 Weeks Range 79.41 - 130.34 | Updated Date 10/27/2025 |
52 Weeks Range 79.41 - 130.34 | Updated Date 10/27/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 10.82 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When After Market | Estimate 3.03 | Actual 3.36 |
Profitability
Profit Margin 20.73% | Operating Margin (TTM) 29.38% |
Management Effectiveness
Return on Assets (TTM) 5.36% | Return on Equity (TTM) 23.81% |
Valuation
Trailing PE 11.53 | Forward PE 8.11 | Enterprise Value 6800049918 | Price to Sales(TTM) 2.19 |
Enterprise Value 6800049918 | Price to Sales(TTM) 2.19 | ||
Enterprise Value to Revenue 2.32 | Enterprise Value to EBITDA 17.51 | Shares Outstanding 24883481 | Shares Floating 23639377 |
Shares Outstanding 24883481 | Shares Floating 23639377 | ||
Percent Insiders 4.76 | Percent Institutions 97.83 |
Upturn AI SWOT
Enova International Inc
Company Overview
History and Background
Enova International, Inc. was founded in 2003 as a spin-off from Cash America International. It's a technology and analytics company focused on providing online financial services to non-prime consumers and small businesses.
Core Business Areas
- Consumer Lending: Provides short-term loans, installment loans, lines of credit, and other financial products to consumers through various brands like NetCredit, CashNetUSA, and Simplic.
- Small Business Lending: Offers financing solutions for small businesses via OnDeck (acquired by Enova), including term loans and lines of credit. OnDeck provides the funding but also the analytics technology for other lenders
Leadership and Structure
David Fisher serves as the Chief Executive Officer. The company has a board of directors and operates with a functional organizational structure, with departments such as Technology, Marketing, Finance, and Operations.
Top Products and Market Share
Key Offerings
- NetCredit: Offers installment loans and lines of credit to consumers. Competitors include Upstart (UPST), LendingClub (LC), and Prosper.
- CashNetUSA: Provides short-term loans and lines of credit. Competitors include Check Into Cash, Advance America, and Moneytree.
- OnDeck: Offers term loans and lines of credit to small businesses. Competitors include Kabbage (American Express), BlueVine, and Fundbox.
Market Dynamics
Industry Overview
The online lending industry is growing, driven by technology advancements, changing consumer preferences, and increased demand for accessible financial services. The industry is becoming more regulated.
Positioning
Enova International Inc positions itself as a technology-driven provider of financial services to underserved markets. Competitive advantages include its proprietary technology platform, data analytics capabilities, and established brands.
Total Addressable Market (TAM)
The TAM for non-prime consumer and small business lending is estimated to be substantial, potentially exceeding $200 billion annually. Enova is positioned to capture a portion of this market by utilizing its technology and data analytics capabilities.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform
- Data analytics capabilities
- Established brands (NetCredit, CashNetUSA, OnDeck)
- Focus on underserved markets
- Diversified product offerings
Weaknesses
- High cost of capital
- Regulatory scrutiny
- Reputational risks associated with non-prime lending
- Dependence on credit markets
- Potential for high loan losses
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic acquisitions
- Partnerships with other financial institutions
- Increased adoption of online lending
Threats
- Increased competition
- Changes in regulations
- Economic downturns
- Cybersecurity risks
- Negative publicity
Competitors and Market Share
Key Competitors
- UPST
- LC
- PRSP
Competitive Landscape
Enova International Inc competes with other online lenders, traditional banks, and credit unions. Its advantages include its technology platform, data analytics capabilities, and established brands. Disadvantages include the high cost of capital and regulatory scrutiny.
Major Acquisitions
OnDeck Capital
- Year: 2020
- Acquisition Price (USD millions): 90
- Strategic Rationale: The acquisition of OnDeck Capital expanded Enova's presence in the small business lending market and provided access to OnDeck's proprietary technology and data analytics capabilities.
Growth Trajectory and Initiatives
Historical Growth: Enova has experienced growth through organic expansion, acquisitions, and partnerships.
Future Projections: Analysts project continued revenue growth and profitability improvement driven by increased demand for online lending and strategic initiatives.
Recent Initiatives: Recent initiatives include expanding into new markets, developing new products, and investing in technology and data analytics.
Summary
Enova International shows moderate strength due to its technology-driven platform and focus on underserved markets, leading to continued growth in revenue and profitability. However, high cost of capital and regulatory scrutiny introduce volatility, highlighting areas needing attention. Expanding product offerings and markets represents opportunities. Economic downturns and competitors are things to keep a close eye on.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Enova International Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- MarketWatch
- Yahoo Finance
- Company's website
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice, and readers should conduct their own research before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Enova International Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2014-11-13 | President, CEO & Chairman Mr. David A. Fisher J.D. | ||
Sector Financial Services | Industry Credit Services | Full time employees 1787 | Website https://www.enova.com |
Full time employees 1787 | Website https://www.enova.com | ||
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides installment loans; 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 offers money transfer services. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company was founded in 2003 and is headquartered in Chicago, Illinois.
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