Enova InternationalENVA
ENVA
About: 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 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.
Employees: 1,787
0
Funds holding %
of 7,296 funds
–
Analysts bullish %
Fund manager confidence
Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)
431% more call options, than puts
Call options by funds: $5.84M | Put options by funds: $1.1M
76% more first-time investments, than exits
New positions opened: 51 | Existing positions closed: 29
6% more funds holding
Funds holding: 296 [Q4 2024] → 315 (+19) [Q1 2025]
1% less capital invested
Capital invested by funds: $2.29B [Q4 2024] → $2.27B (-$25.5M) [Q1 2025]
10% less repeat investments, than reductions
Existing positions increased: 108 | Existing positions reduced: 120
11% less funds holding in top 10
Funds holding in top 10: 9 [Q4 2024] → 8 (-1) [Q1 2025]
120.84% less ownership
Funds ownership: 211.93% [Q4 2024] → 91.08% (-120.84%) [Q1 2025]
Research analyst outlook
2 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$124
33%
upside
Avg. target
$130
39%
upside
High target
$135
45%
upside
2 analyst ratings
2 positive
100%
0 neutral
0%
0 negative
0%
Seaport Global Bill Ryan | 33%upside $124 | Buy Initiated | 14 May 2025 |
JMP Securities David Scharf | 45%upside $135 | Market Outperform Reiterated | 30 Apr 2025 |
Financial journalist opinion
Based on 4 articles about ENVA published over the past 30 days
Positive
Seeking Alpha
2 weeks ago
5 Alpha Generating Monsters
Any stock can generate alpha, but doing it consistently is rare. These 5 stocks have delivered alpha for 4 out of the last 5 years. Valuation is important, so I screen for it and eliminate overpriced stocks.
Positive
Seeking Alpha
3 weeks ago
Enova International: Higher Valuation Despite Positive Net Debt (Buy)
Enova International is a buy due to strong revenue growth, robust loan originations, and high demand from small businesses, outperforming the S&P 500. Q1 2025 revenues grew 22.2% YoY, with guidance for continued double-digit growth and strong net revenue margins into 2026. Valuation suggests ENVA is undervalued, with an 11% upside over the next year based on forward PE and EPS calculations.
Neutral
PRNewsWire
3 weeks ago
New Report: Small Businesses Stayed Positive on Growth in Q1 - While Bracing for Economic Shifts
Survey Finds Over Half of Small Businesses Took Preemptive Action Ahead of Tariff Changes CHICAGO , May 20, 2025 /PRNewswire/ -- Small businesses remain generally positive about growth potential, though optimism has fallen slightly in the face of economic uncertainty, according to the latest Small Business Cash Flow Trend Report from OnDeck, the leading small business lending company at Enova (NYSE: ENVA) and Ocrolus, the document AI and cash flow analytics platform for lenders. Key findings include: Growth expectations: 93% of small businesses anticipate significant or moderate growth in 2025 (compared to 94% in Q4 2024).
Neutral
Seeking Alpha
3 weeks ago
Enova International: Growing Too Fast To Ignore
Enova's stock has soared over 600% in five years, reflecting exceptional top and bottom-line financial performance. I set aside ethical concerns to evaluate Enova purely on investment merits, acknowledging regulatory risks, but prioritizing financial results. Management's significant ownership and strong execution, along with growing software investments, suggest a developing competitive moat.
Positive
Zacks Investment Research
1 month ago
Are Investors Undervaluing Enova International (ENVA) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Positive
Zacks Investment Research
1 month ago
3 Reasons Why Growth Investors Shouldn't Overlook Enova International (ENVA)
Enova International (ENVA) possesses solid growth attributes, which could help it handily outperform the market.
Neutral
Seeking Alpha
1 month ago
Enova International, Inc. (ENVA) Q1 2025 Earnings Call Transcript
Enova International, Inc. (NYSE:ENVA ) Q1 2025 Earnings Conference Call April 29, 2025 5:00 PM ET Company Participants Lindsay Savarese - IR David Fisher - Chief Executive Officer Steven Cunningham - Chief Financial Officer Conference Call Participants David Scharf - Citizens Moshe Orenbuch - TD Cowen Kyle Joseph - Stephens John Hecht - Jefferies Operator Hello and welcome to the Enova International First Quarter 2025 Earnings Conference Call. [Operator Instructions] Please note, this event is being recorded.
Positive
Zacks Investment Research
1 month ago
Enova International (ENVA) Q1 Earnings and Revenues Beat Estimates
Enova International (ENVA) came out with quarterly earnings of $2.98 per share, beating the Zacks Consensus Estimate of $2.77 per share. This compares to earnings of $1.91 per share a year ago.
Neutral
PRNewsWire
1 month ago
Enova Reports First Quarter 2025 Results
Originations rose 26% and total company revenue increased 22% from the first quarter of 2024 Diluted earnings per share of $2.69 increased 64% and adjusted earnings per share1 of $2.98 rose 56% compared to the first quarter of 2024 Credit performance remained strong compared to a year ago with a stable net charge-off ratio of 8.6% and stable net revenue margin of 57% Year-over-year improvement in the consolidated 30+ day delinquency ratio of 7.7% and stability in the consolidated portfolio fair value premium of 115% reflect a stable credit outlook Liquidity, including cash and marketable securities and available capacity on facilities, totaled $1.1 billion at March 31 Share repurchases during the quarter totaled $63 million CHICAGO , April 29, 2025 /PRNewswire/ -- Enova International (NYSE: ENVA), a leading financial services company powered by machine learning and world-class analytics, today announced financial results for the first quarter ended March 31, 2025. "We are pleased to deliver another quarter of strong financial results," said David Fisher, Enova's CEO.
Positive
Zacks Investment Research
1 month ago
Wall Street Analysts Think Enova International (ENVA) Could Surge 30.48%: Read This Before Placing a Bet
The average of price targets set by Wall Street analysts indicates a potential upside of 30.5% in Enova International (ENVA). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock.
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