Enova International, Inc.
Company & revenue
About Enova International, Inc.
Who they are
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.
Detailed revenue, brand and relationship research has not yet been completed for ENVA.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
58
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
61
Fair
Financial Strength
32
Business Quality / Moat
96
Management
77
Growth Quality
35
Risk / Durability
70
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
77
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
75/100
Building Historical Record
Model Score 75/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for ENVA
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving ENVA's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is ENVA's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ENVA's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is ENVA's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of ENVA's score?
Essential Investment Snapshot
Wall Street Score
58
Opportunity Score
77
Market Cap
$4.30B
P/E Ratio
11.7
EPS
$14.29
52-Week High
$267.45
52-Week Low
$103.02
Beta
1.21
Intrinsic Value
$550.17
Analyst Target
$270.00
Shares Outstanding
26.4M
Total Revenue
$3.01B
Total Debt
$5.05B
Dividend
No current dividend
Liquidation Value / Share
$56.80
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Extreme movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ENVA
Detected from reported data — verify before acting.Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Community Sentiment
0 active · 0 total callsNo personal call yet on ENVA.
What the Bulls Say
- +Product opportunity: 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.
- +Product opportunity: consumer and small business line of credit accounts.
- +Product opportunity: CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents.
- +Product opportunity: and bank programs, such as marketing services and loan servicing for near-prime u.
What the Bears Say
No strong bearish data point is currently available.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
62
Sep 21, 2026
Change
-3.9
points
Current Score
58
Oct 1, 2026
Category Changes
ENVA decreased 3.9 points because some fundamentals weakened.
Positive Contributors
- + Capital improved by 3 points
Projected Score
Projected Score
64
Projected Change
+5.5%
Preliminary comparable-period financial changes suggest improvement of approximately 5.5 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$172.89
Intrinsic Value
$550.17
Difference
−$377.28
-68.6% vs IV
Margin of Safety
68.6%
Related Companies
Financial - Credit ServicesNews
Enova International (ENVA) Securities Investigation Notice - Levi & Korsinsky
Enova International (ENVA) Securities Investigation Notice - Levi & Korsinsky
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law
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