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StockVS

NYSE · Credit Services · USD

Enova International, Inc. (ENVA) Stock Analysis

Enova International, Inc. (ENVA) is a Credit Services stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

ENVA

$180.05

+$0.60 (+0.33%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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ENVA Key Statistics

As of Oct 21, 2026
Trading
Open
$181.14
Previous Close
$179.45
Day's Range
177.48–182.52
52-Week Range
111.13–267.45
Volume
322.04K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.28
Valuation
Market Cap
$4.48B
P/E Ratio
13.43
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
8.59
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.65
EPS (ttm)Profit attributable to each share over the last twelve months.
13.41
Financials (FY)
Revenue (FY)
$3.15B+18.58%
Net Income (FY)
$308.39M+47.24%
Profit marginThe share of revenue left as profit after all costs and taxes.
21.01%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
24.90M
1-Year Return
+61.57%
Dividend and dates
Earnings Date
October 22, 2026
Avg Volume
355.17K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, ENVA closed at $180.05, +61.57% over 1 year.

Enova International, Inc. (ENVA) has a market capitalization of $4.48B.

In fiscal 2025, ENVA reported revenue of $3.15B.

ENVA Stock Return by Calendar Year

Enova International, Inc. (ENVA) 10-year return: what $10,000 became

1 year
$10,000 $16,157
+61.57%
5 years
$10,000 $51,267
+412.67%
10 years
$10,000 $196,776
+1,867.76%

If you had invested $10,000 in Enova International, Inc. (ENVA) 10 years ago, at the close on October 21, 2016, it would have been worth $196,776 at the close on October 21, 2026: +1,867.76% in total, +34.71% a year. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+14.54%
2025+63.95%
2024+73.19%
2023+44.28%
2022−6.32%
2021+65.36%
2020+2.95%
2019+23.64%
2018+28.03%
2017+21.12%
2016 (partial year)+31.97%

As of October 21, 2026.

ENVA Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$3.15B$308.39M9.8%
2024$2.66B$209.45M7.9%
2023$2.12B$175.12M8.3%
2022$1.74B$207.42M11.9%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$3.15B$1.49B$406.73M$308.39M9.8%
2024$2.66B$1.24B$294.32M$209.45M7.9%
2023$2.12B$1.04B$227.36M$175.12M8.3%
2022$1.74B$1.00B$268.11M$207.42M11.9%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

ENVA Valuation vs Credit Services Median

Median of 56 stocks
MetricENVACredit Services medianvs median
P/E13.4310.9123% above
P/S ratio2.651.5077% above
Profit margin21.01%9.89%11.1 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Enova International, Inc. (ENVA) carries a market capitalisation of $4.48B. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 1,836 employees.

ENVA last closed at $180.05 on October 21, 2026. That is +$0.60 (+0.33%) against the previous close. The 52-week range on file runs from $111.13 to $267.45. The latest close sits 62.02% above that 52-week low.

Financial Health

In fiscal 2025, Enova International, Inc. reported revenue of $3.15B. Against the prior fiscal year total of $2.66B, that is a change of +18.58%. Net income for the same year was $308.39M. That is +47.24% against the prior fiscal year. Profit margin runs at 21.01%. That is 11.1 percentage points above the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 13.41.

Across the 4 fiscal years on file, revenue moves from $1.74B in 2022 to $3.15B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

ENVA trades at a trailing price-to-earnings ratio of 13.43. That is 23.1% above the Credit Services median of 10.91. The forward P/E on file is 8.59. The price-to-sales ratio is 2.65. On price-to-sales that is 76.86% above the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

The reported beta is 1.28. Daily returns over the trailing 10 years annualize to a volatility of 49.41%. Over the trailing twelve months the total return is +61.57%. Measured over 10 years, that is +34.71% a year compounded.

Growth & Income

No dividend is on file for ENVA.

Across the complete calendar years on file, 2024 returned +73.19% and 2022 returned −6.32%. Of the 9 complete calendar years on file, 8 finished higher. So far in 2026 the total return is +14.54%.

Peer Comparison

Enova International, Inc. (ENVA) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Enova International, Inc. ENVA $4.48B 13.4
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Enova International, Inc. trades at a P/E of 13.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Enova International, Inc.

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.

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