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Enova International Inc(ENVA)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ENVA
11/02/2026: ENVA (4-star) is currently NOT-A-BUY. Pass it for now.
Enova International Inc is a financial technology company that specializes in providing online credit products to non-prime consumers and small businesses through an AI-driven platform. Its primary strengths lie in its proprietary underwriting engine, which allows for efficient credit assessment and market scaling. The company's growth story is centered on expanding its successful small business lending segment alongside core consumer finance. However, it faces notable risks from credit sensitivity, intense fintech competition, and ongoing regulatory scrutiny regarding interest rate caps. The stock may suit growth-oriented investors who can tolerate the sector's inherent volatility, with future performance heavily dependent on managing default rates and navigating the regulatory environment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Enova's focus on digital scale and technological advantage aligns with growth-oriented investment strategies. |
| Momentum investor | Mixed fit | Momentum fit depends heavily on positive price trends and sustained quarterly growth signals. |
| Value investor | Mixed fit | While valuation multiples can be attractive, the credit risk profile requires careful fundamental analysis. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | The nature of non-prime lending inherently involves high volatility and credit risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock can experience significant swings based on economic outlooks and regulatory news. |
| Valuation risk | Medium | Changes in interest rate expectations can impact how the market values the company's future cash flows. |
| Competition risk (fintech competition) | High | Increasingly crowded space from both startups and established digital banks puts pressure on margins. |
| Business quality | Medium | Enova operates in a high-risk sector, making fundamental quality dependent on effective risk management. |
| Dividend income | Low / none | The absence of dividends means investors rely solely on capital appreciation. |
| Execution risk | Medium | The ability to manage credit losses during economic downturns is critical to the business model. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 113.21% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.26B USD | Price to earnings Ratio 12.02 | 1Y Target Price 230.83 |
Price to earnings Ratio 12.02 | 1Y Target Price 230.83 | ||
Volume (30-day avg) 338.8K shares | Beta 1.28 | 52 Weeks Range 119.02 - 267.45 | Updated Date 11/01/2026 |
52 Weeks Range 119.02 - 267.45 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 14.48 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Consumer Lending | Installment loans and lines of credit via brands like CashNetUSA and NetCredit. | Earns interest and fee revenue from lending to consumers who often struggle to access bank credit. |
| Small Business Lending | Term loans and lines of credit via the OnDeck brand. | Earns interest revenue by providing capital to small businesses that need fast, technology-driven loan approvals. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 4.19 | Actual 4.15 |
Profitability
Profit Margin 20.91% | Operating Margin (TTM) 28.4% |
Management Effectiveness
Return on Assets (TTM) 5.6% | Return on Equity (TTM) 26.82% |
Valuation
Trailing PE 12.02 | Forward PE 8.53 | Enterprise Value 9.56B | Price to Sales(TTM) 2.33 |
Enterprise Value 9.56B | Price to Sales(TTM) 2.33 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA 17.79 | Shares Outstanding 24.46M | Shares Floating 23.37M |
Shares Outstanding 24.46M | Shares Floating 23.37M | ||
Percent Insiders 4.61 | Percent Institutions 99.69 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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