Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
1
institution
Market cap
$5.7B
25M shares
52-week range
$99.61 – $236.29
100% from low
Sector
PERSONAL CREDIT INSTITUTIONS
Exchange
NYSE
CS
Borrow rate
0.34%
Easy to borrow
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| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $972.6M | $1.17B | $1.08B | $1.21B | $1.74B | $2.12B | $2.66B | $3.15B |
| Cost of revenue | $582.8M | $678.5M | $486.2M | $260.2M | $734.4M | $1.08B | $1.42B | $1.57B |
| Gross profit | $389.9M | $496.3M | $597.5M | $947.8M | $1.00B | $1.04B | $1.24B | $1.58B |
| Gross margin | 40.1% | 42.2% | 55.1% | 78.5% | 57.7% | 48.9% | 46.6% | 50.1% |
| R&D | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $67.5M |
| Operating income | $175.5M | $248.2M | $357.8M | $413.1M | $384.0M | $422.1M | $584.8M | $739.4M |
| EBITDA | $110.4M | $187.7M | $290.8M | $371.9M | $305.0M | $265.5M | $334.5M | $529.8M |
| Net income | $70.1M | $36.6M | $377.8M | $256.3M | $207.4M | $175.1M | $209.4M | $308.4M |
| Net margin | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% |
| EPS (diluted) | 1.99 | 3.72 | 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.58 |
Annual figures · source: Financial Modeling Prep
| Year | Est. revenue | Est. EPS | EPS range | # Analysts |
|---|---|---|---|---|
| 2026 | $3.8B | $16.45 | $16.38–$16.52 | 3 |
| 2027 | $4.4B | $19.94 | $19.23–$20.65 | 3 |
| 2028 | $5.5B | $26.48 | $26.27–$26.69 | 1 |
Forward consensus · source: Financial Modeling Prep
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
www.enova.comNo one on the platform currently holds ENVA.
| Institution | Shares | Reported |
|---|---|---|
| Renaissance Technologiesas of 2026-03-31 | 750,094 | $101.9M |
| Execution date | Ratio |
|---|---|
| 2005-07-22 | 1-for-45reverse |
No one on the platform has traded ENVA yet.
| $4.1B |
| — |
| ETOReToro Group Ltd. | $40.72 | -0.02% | $3.4B | — |
| FBPFirst BanCorp. | $26.11 | -0.95% | $4.0B | — |
Source: Financial Modeling Prep · peers by sector/industry
Trading at 27.8× earnings vs its 8.7× historical median P/E.
Fair value ≈ $73.81 · price $235.67 today
Fair-value line = the stock's median historical P/E × earnings. Price below the orange line = cheap vs its own history; above = expensive. Not investment advice.
$ENVA Buy $FRTU Future ENVA in the making. Fully profitable, growing like a weed, uplisting to nasdaq soon.
View on StockTwits ↗$ENVA Just incredible! Bought in around mid 90's and just been a silent killer!
View on StockTwits ↗$ENVA Still not respected enough, $200 by year end!
View on StockTwits ↗$ENVA Outstanding article that hits the mark on ENVA's current state. So if you want to refresh your ENVA insights or learn about ENVA from scratch, this is a must read. https://everyticker.com/quote/ENVA/analysis/enova-s-dual-engine-growth-why-ai-powered-lending-and-a-bank-charter-could-close-the-valuation-gap-nyse-enva
View on StockTwits ↗$ENVA Don't you love these analyst and stock advisors like zacks and stock zen and alpha week tell you this stocks a buy 6 months after it's rode a 50% gain, especially zacks! I tried their recommended stocks over a 180 day period a couple years ago, cost me a couple hundred bucks for access, and it was terrible! They make they recomendations after er beats or obvious trends, but mostly their late with the recommendation and you miss the real gains. They should have flagged this one a 1yr ago when I did.
View on StockTwits ↗@abman54 I asked Gemini why - it says, based on the low volume, no surge in bearish bets in options, the fact that "Today’s dip isn't isolated to Enova; the broader Consumer Finance sector is under slight pressure due to sticky inflation data (2.8% core PCE) and high interest rates", it seems to think that "Today looks like profit-taking rather than a structural collapse. " Also: "The short interest data for $ENVA as of May 4, 2026, is very encouraging for a long-term holder. It confirms that the recent price dip is likely not a coordinated attack by short sellers." Also, the CEO sold 6% of his shares on April 28 (right after the record Q1 earnings report) but still holds 94%. Shows confidence. Nothing is certain but that AI at least thinks it is likely just noise ...
View on StockTwits ↗$ENVA why is just getting killed the last few days??
View on StockTwits ↗Fundamental analysis of $ENVA (Enova International, Inc.) based on financial data and reported results. #ENVA
View on StockTwits ↗$ENVA Q1 '26 Earnings Results & Recap • Reported GAAP EPS of $3.66 up 28.87% YoY • Reported revenue of $875.14M up 17.38% YoY • Enova expects a second half of 2026 closing for its acquisition of Grasshopper Bank, anticipating significant synergies from geographic expansion and lower funding costs from Grasshopper's deposit businesses.
View on StockTwits ↗$ENVA credit spending continues to rise! Are we ready to break out?!!
View on StockTwits ↗Recent $TICKER stream from stocktwits.com — refreshed every 5 minutes. Sentiment tags are self-reported by posters. Not investment advice.
Click to see transaction details on SEC.gov. Form 4s cover trades by officers, directors, and 10%+ owners, due within 2 business days of the trade.