Why did Enova International (ENVA) stock move recently?

On 7/24/2026, Enova International moved +8.9% — Enova shares rose sharply after the company reported Q2 2026 results that beat estimates on revenue and adjusted EPS, with originations surging 27% YoY, and raised full-year 2026 revenue and EPS growth guidance. This is MarketChacha's decoded reason from filings and credible news; it is education, not buy/sell advice.

Is Enova International (ENVA) overvalued or fairly valued?

MarketChacha shows Enova International's valuation in context — a trailing P/E of about 17.3, a forward P/E of about 11.3, a price-to-book of about 3.9 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Enova International's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (6.53×) from reported figures — education, not a rating.

What is Enova International's revenue?

Enova International reported revenue of $3.2B for FY2025, with net profit of $308.4M, per official filings.

What is the share price of Enova International (ENVA)?

Enova International last traded at $230.58 (-1.1% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Enova International

ENVA · NYSE · Financials · United States

Snapshot

TickerENVA

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees1,836

HeadquartersChicago, United States

Websitewww.enova.com

Filings tracked23

About Enova International

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.

Who owns it

Insiders4.5%
Institutions95.5%
Public & other0.0%

562 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.16.73%
Vanguard Capital Management LLC4.27%
State Street Corporation4.08%
Invesco Ltd.3.78%
Dimensional Fund Advisors LP3.54%
FMR, LLC3.49%
Price (T.Rowe) Associates Inc3.41%
Vanguard Portfolio Management LLC3.34%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion6.53×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend8.3% → 9.8%

Margin has expanded by about 1.5 points — the business is getting more profitable.

Return on equity23.1%

Latest ROE of 23.1% — capital is generating a healthy return.

Growth qualityrev 22% · PAT 33%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $1.1B · EPS 4.64

Est. earnings growth +34.2%

Next fiscal year

Rev $4.5B · EPS 20.59

Est. earnings growth +19.7%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Revenue (FY2025)

$3.2B

Net margin

9.8%

ROE

23.1%

Revenue CAGR (2y)

+22.0%

Profit CAGR (2y)

+32.7%

EPS (FY2025)

11.52

Net profit (FY2025)

$308.4M

Ask MarketChacha about ENVA

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Why it moved

Jul 24, 2026
Enova shares rose sharply after the company reported Q2 2026 results that beat estimates on revenue and adjusted EPS, with originations surging 27% YoY, and raised full-year 2026 revenue and EPS growth guidance.
source 1 ↗source 2 ↗source 3 ↗· confidence: high

Daily moves with the verified reason behind them. Education only — not investment advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$3.2B	$308.4M	11.52	9.8%	23.1%
FY2024	$2.7B	$209.4M	7.43	7.9%	17.5%
FY2023	$2.1B	$175.1M	5.49	8.3%	14.1%

Quarterly

Period	Revenue	Net profit	EPS	Net margin
2026Q2	$928.9M	$105.1M	4.00	11.3%
2026Q1	$875.1M	$91.1M	3.46	10.4%
2025Q3	$802.7M	$80.3M	3.03	10.0%
2025Q2	$764.0M	$76.1M	2.86	10.0%
2025Q1	$745.5M	$72.9M	2.69	9.8%
2024Q3	$689.9M	$43.4M	1.57	6.3%
2024Q2	$628.4M	$53.9M	1.93	8.6%
2024Q1	$609.9M	$48.4M	1.64	7.9%
2023Q3	$551.4M	$41.3M	1.29	7.5%
2023Q2	$499.4M	$48.1M	1.50	9.6%
2023Q1	$483.3M	$50.9M	1.56	10.5%

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/23/2026material
10-Q filing
SEC7/23/2026
8-K/A — Executive/director change
SEC7/15/2026
8-K — Executive/director change, Exhibits
SEC7/10/2026material
8-K — Material agreement, Material financial obligation
SEC6/25/2026material
8-K — Shareholder vote results
SEC5/13/2026material
8-K — Results of operations, Exhibits
SEC4/23/2026material
10-Q filing
SEC4/23/2026
8-K — Material agreement, Material financial obligation
SEC4/1/2026material
10-K filing
SEC2/20/2026
8-K — Results of operations, Exhibits
SEC1/27/2026material
8-K/A — Executive/director change, Exhibits
SEC1/2/2026

2025

8-K — Material agreement, Exhibits
SEC12/18/2025material
8-K — Material agreement, Reg FD disclosure, Exhibits
SEC12/11/2025material
8-K — Material agreement, Material financial obligation, Exhibits
SEC11/24/2025material
8-K — Material agreement, Material financial obligation, Exhibits
SEC11/13/2025material
8-K — Other events, Exhibits
SEC11/12/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/5/2025material
8-K — Reg FD disclosure, Exhibits
SEC10/30/2025material
10-Q filing
SEC10/24/2025
8-K — Results of operations, Exhibits
SEC10/23/2025material
8-K — Material agreement, Material financial obligation
SEC9/2/2025material
10-Q filing
SEC7/25/2025

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.