Enova International 株価情報 (NYSE: ENVA)

最新ニュース Enova International (NYSE:ENVA) 株価情報

Enova International

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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.

Enova International Inc

In the latest quarter, 5 analysts provided ratings for Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), showcasing a mix of bullish and bearish perspectives.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Enova International and provided 12-month price targets. The average target is $105.2, accompanied by a high estimate of $110.00 and a low estimate of $96.00. This current average reflects an increase of 13.42% from the previous average price target of $92.75. 
<img src="https://www.benzinga.com/files/images/story/2024/1731517268_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
The standing of Enova International among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Announces</td>
<td>Overweight</td>
<td>$108.00</td>
<td>-</td>
</tr>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Raises</td>
<td>Hold</td>
<td>$96.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$109.00</td>
<td>$103.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$110.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$103.00</td>
<td>$93.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Enova International. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Enova International compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of Enova International's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Enova International's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Enova International analyst ratings.</a>
<h2>Discovering Enova International: A Closer Look</h2>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Financial Performance</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Enova International's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 25.13% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: Enova International's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 6.29%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Enova International's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 3.73%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): Enova International's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.89%, the company may face hurdles in achieving optimal financial returns.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.82, caution is advised due to increased financial risk.
<h2>What Are Analyst Ratings?</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

ENVA

The Latest Analyst Ratings For Enova International

Stephens &amp; Co. analyst Vincent Caintic initiates coverage on Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Overweight rating and announces Price Target of $108.

News

Price Target

Initiation

Stephens & Co. Initiates Coverage On Enova International with Overweight Rating, Announces Price Target of $108

It was reported on November 7, that Steven Cunningham, Chief Financial Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) executed a significant insider sell, according to an SEC filing.
What Happened: Cunningham opted to sell 2,455 shares of Enova International, according to a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024123416//Archives/edgar/data/1529864/000095017024123416/0000950170-24-123416-index.htm">U.S. Securities and Exchange Commission</a> on Thursday. The transaction's total worth stands at $220,336.
At Friday morning, Enova International shares are up by 0.5%, trading at $99.8.
<h3>All You Need to Know About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Key Indicators: Enova International's Financial Health</h3>
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.13% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Holistic Profitability Examination:
<ul>
<li>
Gross Margin: The company issues a cost efficiency warning with a low gross margin of 46.88%, indicating potential difficulties in maintaining profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): With an EPS below industry norms, Enova International exhibits below-average bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.82, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
Valuation Analysis:
<ul>
<li>
Price to Earnings (P/E) Ratio: With a lower-than-average P/E ratio of 15.81, the stock indicates an attractive valuation, potentially presenting a buying opportunity.
</li>
<li>
Price to Sales (P/S) Ratio: With a lower-than-average P/S ratio of 1.15, the stock presents an attractive valuation, potentially signaling a buying opportunity for investors interested in sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): Indicated by a lower-than-industry-average EV/EBITDA ratio of 19.81, the company suggests a potential undervaluation, which might be advantageous for value-focused investors.
</li>
</ul>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
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<h3>Illuminating the Importance of Insider Transactions</h3>
While insider transactions should not be the sole basis for making investment decisions, they can play a significant role in an investor's decision-making process.
In legal terms, an "insider" refers to any officer, director, or beneficial owner of more than ten percent of a company's equity securities registered under Section 12 of the Securities Exchange Act of 1934. This can include executives in the c-suite and large hedge funds. These insiders are required to let the public know of their transactions via a Form 4 filing, which must be filed within two business days of the transaction.
When a company insider makes a new purchase, that is an indication that they expect the stock to rise.
Insider sells, on the other hand, can be made for a variety of reasons, and may not necessarily mean that the seller thinks the stock will go down. 
<h3>Exploring Key Transaction Codes</h3>
<a href="https://www.benzinga.com/money/investing-tools">Investors</a> prefer focusing on transactions that take place in the open market, indicated in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S indicates a sale. Transaction code C indicates the conversion of an option, and transaction code A indicates grant, award or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insider Trades

Trading Ideas

Insider Transaction: Steven Cunningham Sells $220K Worth Of Enova International Shares

It was reported on November 7, that Kirk Chartier, Chief Strategy Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) executed a significant insider sell, according to an SEC filing.
What Happened: Chartier opted to sell 4,841 shares of Enova International, according to a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024123417//Archives/edgar/data/1529864/000095017024123417/0000950170-24-123417-index.htm">U.S. Securities and Exchange Commission</a> on Thursday. The transaction's total worth stands at $424,604.
Enova International's shares are actively trading at $99.8, experiencing a up of 0.5% during Friday's morning session.
<h3>All You Need to Know About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>A Deep Dive into Enova International's Financials</h3>
Revenue Growth: Enova International's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 25.13%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Analyzing Profitability Metrics:
<ul>
<li>
Gross Margin: With a low gross margin of 46.88%, the company exhibits below-average profitability, signaling potential struggles in cost efficiency compared to its industry peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average, signaling challenges in bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio surpasses industry norms, standing at 2.82. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
Evaluating Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: Enova International's P/E ratio of 15.81 is below the industry average, suggesting the stock may be undervalued.
</li>
<li>
Price to Sales (P/S) Ratio: With a P/S ratio of 1.15 below industry standards, the stock shows potential undervaluation, making it an appealing investment option for those focusing on sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio 19.81 is below the industry average, indicating that it may be relatively undervalued compared to peers.
</li>
</ul>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
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<h3>The Impact of Insider Transactions on Investments</h3>
Insider transactions shouldn't be used primarily to make an investing decision, however an insider transaction can be an important factor in the investing decision. 
Within the legal framework, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities as per Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
The initiation of a new purchase by a company insider serves as a strong indication that they expect the stock to rise.
However, insider sells may not always signal a bearish view and can be influenced by various factors.
<h3>Navigating the World of Insider Transaction Codes</h3>
Taking a closer look at transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> often prioritize those unfolding in the open market, meticulously cataloged in Table I of the Form 4 filing. A P in Box 3 denotes a purchase, while S signifies a sale. Transaction code C denotes the conversion of an option, and transaction code A signifies a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Massive Insider Trade At Enova International

Disclosed in a recent SEC filing, Steven Cunningham, Chief Financial Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), made a strategic move by acquiring company stock options on November 7,.
What Happened: In a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024123416//Archives/edgar/data/1529864/000095017024123416/0000950170-24-123416-index.htm">U.S. Securities and Exchange Commission</a> on Thursday, Cunningham, Chief Financial Officer at Enova International, acquired stock options for 6,289 shares of ENVA. These options provide Cunningham with the right to purchase the company's stock at $89.33 per share.
Currently, Enova International shares are trading up 0.5%, priced at $99.8 during Friday's morning. This values Cunningham's 6,289 shares at $65,814.
<h3>Unveiling the Story Behind Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>A Deep Dive into Enova International's Financials</h3>
Positive Revenue Trend: Examining Enova International's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 25.13% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Profitability Metrics: Unlocking Value
<ul>
<li>
Gross Margin: The company issues a cost efficiency warning with a low gross margin of 46.88%, indicating potential difficulties in maintaining profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS lags behind the industry average, indicating concerns and potential challenges with a current EPS of 1.64.
</li>
</ul>
Debt Management: With a high debt-to-equity ratio of 2.82, Enova International faces challenges in effectively managing its debt levels, indicating potential financial strain.
Financial Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: The current P/E ratio of 15.81 is below industry norms, indicating potential undervaluation and presenting an investment opportunity.
</li>
<li>
Price to Sales (P/S) Ratio: With a lower-than-average P/S ratio of 1.15, the stock presents an attractive valuation, potentially signaling a buying opportunity for investors interested in sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio 19.81 is below the industry average, indicating that it may be relatively undervalued compared to peers.
</li>
</ul>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
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<h3>The Impact of Insider Transactions on Investments</h3>
In the complex landscape of investment decisions, investors should approach insider transactions as part of a comprehensive analysis, considering various elements.
In the context of legal matters, the term "insider" refers to any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as outlined by Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and significant hedge funds. Such insiders are obligated to report their transactions through a Form 4 filing, which must be completed within two business days of the transaction.
Pointing towards optimism, a company insider's new purchase signals their positive anticipation for the stock to rise.
Despite insider sells not always signaling a bearish sentiment, they can be driven by various factors.
<h3>Transaction Codes To Focus On</h3>
Digging into the details of stock transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> frequently turn their attention to those taking place in the open market, as outlined in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Steven Cunningham Takes A Bullish Stance, Acquiring $65K Worth Of Enova International Stock Options

Disclosed in a recent SEC filing, Kirk Chartier, Chief Strategy Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), made a strategic move by acquiring company stock options on November 7,.
What Happened: Chartier, Chief Strategy Officer at Enova International, engaged in a derivative transaction according to a Form 4 filing on Thursday with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024123420//Archives/edgar/data/1529864/000095017024123420/0000950170-24-123420-index.htm">U.S. Securities and Exchange Commission</a>. This involved the acquisition of stock options for 4,400 shares of ENVA, providing the right to purchase the company's stock at an exercise price of $89.33 per share.
As of Friday morning, Enova International shares are up by 0.5%, with a current price of $99.8. This implies that Chartier's 4,400 shares have a value of $46,046.
<h3>Delving into Enova International's Background</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Economic Impact: An Analysis</h3>
Revenue Growth: Enova International's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 25.13%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Profitability Metrics:
<ul>
<li>
Gross Margin: The company shows a low gross margin of 46.88%, suggesting potential challenges in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS reflects a decline, falling below the industry average with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio surpasses industry norms, standing at 2.82. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
Insights into Valuation Metrics:
<ul>
<li>
Price to Earnings (P/E) Ratio: The current P/E ratio of 15.81 is below industry norms, indicating potential undervaluation and presenting an investment opportunity.
</li>
<li>
Price to Sales (P/S) Ratio: With a lower-than-average P/S ratio of 1.15, the stock presents an attractive valuation, potentially signaling a buying opportunity for investors interested in sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): With an EV/EBITDA ratio lower than industry averages at 19.81, Enova International could be considered undervalued.
</li>
</ul>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
<a href="https://www.schwab.com/brokerage?aff=XEC">Now trade stocks online commission free with Charles Schwab, a trusted and complete investment firm.</a>
<h3>Why Insider Transactions Are Key in Investment Decisions</h3>
Insider transactions serve as a piece of the puzzle in investment decisions, rather than the entire picture.
Within the legal framework, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities as per Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
The initiation of a new purchase by a company insider serves as a strong indication that they expect the stock to rise.
However, insider sells may not always signal a bearish view and can be influenced by various factors.
<h3>Transaction Codes Worth Your Attention</h3>
When analyzing transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> tend to focus on those in the open market, detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase,while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Kirk Chartier Backs Up Beliefs With A Notable Acquisition In Enova International Stock Options

David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), reported acquisition of company stock options on November 8, according to a new SEC filing.
What Happened: Uncovered in a Form 4 filing on Friday with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024123641//Archives/edgar/data/1529864/000095017024123641/0000950170-24-123641-index.htm">U.S. Securities and Exchange Commission</a>, Fisher, Chief Executive Officer at Enova International, executed an insider options move. This move consisted of acquiring stock options for 21,598 shares of ENVA, granting Fisher the right to purchase the company's stock at an exercise price of $89.33 per share.
Enova International shares are trading, exhibiting up of 0.95% and priced at $100.24 during Friday's morning. This values Fisher's 21,598 shares at $235,634.
<h3>All You Need to Know About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Financial Insights: Enova International</h3>
Positive Revenue Trend: Examining Enova International's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 25.13% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Profitability Metrics:
<ul>
<li>
Gross Margin: With a low gross margin of 46.88%, the company exhibits below-average profitability, signaling potential struggles in cost efficiency compared to its industry peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS lags behind the industry average, indicating concerns and potential challenges with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.82, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
Evaluating Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: The Price to Earnings ratio of 15.81 is lower than the industry average, indicating potential undervaluation for the stock.
</li>
<li>
Price to Sales (P/S) Ratio: With a lower-than-average P/S ratio of 1.15, the stock presents an attractive valuation, potentially signaling a buying opportunity for investors interested in sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio of 19.81 trails industry averages, indicating a potential disparity in market valuation that could be advantageous for investors.
</li>
</ul>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
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<h3>Navigating the Impact of Insider Transactions on Investments</h3>
Insider transactions should be considered alongside other factors when making investment decisions, as they can offer important insights.
When discussing legal matters, the term "insider" refers to any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as stipulated in Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and significant hedge funds. Such insiders are required to report their transactions through a Form 4 filing, which must be completed within two business days of the transaction.
A new purchase by a company insider is a indication that they anticipate the stock will rise.
On the other hand, insider sells may not necessarily indicate a bearish view and can be motivated by various factors.
<h3>A Closer Look at Important Transaction Codes</h3>
<a href="https://www.benzinga.com/money/investing-tools">Investors</a> prefer focusing on transactions that take place in the open market, indicated in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S indicates a sale. Transaction code C indicates the conversion of an option, and transaction code A indicates grant, award or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Strategic Investment: David Fisher Boosts Portfolio With $235K In Enova International Stock Options

A large exercise of company stock options by Kirk Chartier, Chief Strategy Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) was disclosed in a new SEC filing on October 30, as part of an insider exercise.
What Happened: A Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024119040//Archives/edgar/data/1529864/000095017024119040/0000950170-24-119040-index.htm">U.S. Securities and Exchange Commission</a> on Wednesday revealed that Chartier, Chief Strategy Officer at Enova International in the Financials sector, exercised stock options for 17,644 shares of ENVA stock. The exercise price of the options was $23.96 per share.
During Thursday's morning session, Enova International shares down by 0.0%, currently priced at $88.12. Considering the current price, Chartier's 17,644 shares have a total value of $1,132,039.
<h3>About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Economic Impact: An Analysis</h3>
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.13% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Analyzing Profitability Metrics:
<ul>
<li>
Gross Margin: The company faces challenges with a low gross margin of 46.88%, suggesting potential difficulties in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average, signaling challenges in bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: With a high debt-to-equity ratio of 2.82, Enova International faces challenges in effectively managing its debt levels, indicating potential financial strain.
Insights into Valuation Metrics:
<ul>
<li>
Price to Earnings (P/E) Ratio: Enova International's P/E ratio of 14.03 is below the industry average, suggesting the stock may be undervalued.
</li>
<li>
Price to Sales (P/S) Ratio: With a lower-than-average P/S ratio of 1.02, the stock presents an attractive valuation, potentially signaling a buying opportunity for investors interested in sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio 18.82 is below the industry average, indicating that it may be relatively undervalued compared to peers.
</li>
</ul>
Market Capitalization Analysis: The company's market capitalization is below the industry average, suggesting that it is relatively smaller compared to peers. This could be due to various factors, including perceived growth potential or operational scale.
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<h3>Why Insider Transactions Are Important</h3>
Insider transactions should be considered alongside other factors when making investment decisions, as they can offer important insights.
When discussing legal matters, the term "insider" refers to any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as stipulated in Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and significant hedge funds. Such insiders are required to report their transactions through a Form 4 filing, which must be completed within two business days of the transaction.
A new purchase by a company insider is a indication that they anticipate the stock will rise.
On the other hand, insider sells may not necessarily indicate a bearish view and can be motivated by various factors.
<h3>A Closer Look at Important Transaction Codes</h3>
Surveying the realm of stock transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> often give prominence to those unfolding in the open market, systematically detailed in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C denotes the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Strategic Sale: Kirk Chartier Decides To Exercise Options Worth $1.13M At Enova International

A significant insider transaction involving the exercise of company stock options was reported on October 29, by Steven Cunningham, Chief Financial Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), as per the latest SEC filing.
What Happened: Disclosed in a Form 4 filing on Tuesday with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024118273//Archives/edgar/data/1529864/000095017024118273/0000950170-24-118273-index.htm">U.S. Securities and Exchange Commission</a>, Cunningham, Chief Financial Officer at Enova International, executed a strategic derivative sale. This involved exercising stock options for 26,042 shares of ENVA, resulting in a transaction value of $1,644,552.
As of Wednesday morning, Enova International shares are down by 0.0%, with a current price of $87.11. This implies that Cunningham's 26,042 shares have a value of $1,644,552.
<h3>About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Understanding the Numbers: Enova International's Finances</h3>
Revenue Growth: Enova International's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 25.13%. This indicates a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Profitability Metrics:
<ul>
<li>
Gross Margin: The company faces challenges with a low gross margin of 46.88%, suggesting potential difficulties in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average, signaling challenges in bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.82, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
Valuation Analysis:
<ul>
<li>
Price to Earnings (P/E) Ratio: The Price to Earnings ratio of 13.87 is lower than the industry average, indicating potential undervaluation for the stock.
</li>
<li>
Price to Sales (P/S) Ratio: With a P/S ratio of 1.01 below industry standards, the stock shows potential undervaluation, making it an appealing investment option for those focusing on sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio of 18.73 trails industry averages, indicating a potential disparity in market valuation that could be advantageous for investors.
</li>
</ul>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
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<h3>The Importance of Insider Transactions</h3>
Emphasizing the importance of a comprehensive approach, considering insider transactions is valuable, but it's crucial to evaluate them in conjunction with other investment factors.
Exploring the legal landscape, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as stipulated by Section 12 of the Securities Exchange Act of 1934. This encompasses executives in the c-suite and major hedge funds. These insiders are required to report their transactions through a Form 4 filing, which must be submitted within two business days of the transaction.
Highlighted by a company insider's new purchase, there's a positive anticipation for the stock to rise.
But, insider sells may not necessarily indicate a bearish view and can be motivated by various factors.
<h3>A Deep Dive into Insider Transaction Codes</h3>
When analyzing transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> tend to focus on those in the open market, detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase,while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insider Decision: Steven Cunningham Exercises Options At Enova International For $1.64M

TD Cowen analyst Moshe Orenbuch maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Hold and raises the price target from $85 to $96.

TD Cowen Maintains Hold on Enova International, Raises Price Target to $96

Throughout the last three months, 4 analysts have evaluated Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), offering a diverse set of opinions from bullish to bearish.
The following table encapsulates their recent ratings, offering a glimpse into the evolving sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for Enova International, presenting an average target of $103.0, a high estimate of $110.00, and a low estimate of $90.00. This current average reflects an increase of 8.05% from the previous average price target of $95.33. 
<img src="https://www.benzinga.com/files/images/story/2024/1729688418_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The standing of Enova International among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$109.00</td>
<td>$103.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$110.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$103.00</td>
<td>$93.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Announces</td>
<td>Buy</td>
<td>$90.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to Enova International. This offers insight into analysts' perspectives on the current state of the company.</li>
<li>Rating: Gaining insights, analysts provide qualitative assessments, ranging from 'Outperform' to 'Underperform'. These ratings reflect expectations for the relative performance of Enova International compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of Enova International's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Enova International's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Enova International analyst ratings.</a>
<h2>Delving into Enova International's Background</h2>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Financial Milestones: Enova International's Journey</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.83% as of 30 June, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: The company's net margin is below industry benchmarks, signaling potential difficulties in achieving strong profitability. With a net margin of 8.58%, the company may need to address challenges in effective cost control.
Return on Equity (ROE): Enova International's ROE stands out, surpassing industry averages. With an impressive ROE of 4.69%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): Enova International's ROA stands out, surpassing industry averages. With an impressive ROA of 1.14%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: Enova International's debt-to-equity ratio stands notably higher than the industry average, reaching 2.81. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.
<h2>The Basics of Analyst Ratings</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
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JMP Securities analyst David Scharf maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Market Outperform and raises the price target from $103 to $109.

JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $109

BTIG analyst Vincent Caintic maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Buy and raises the price target from $90 to $110.

BTIG Maintains Buy on Enova International, Raises Price Target to $110

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) reported quarterly earnings of $2.45 per share which beat the analyst consensus estimate of $2.31 by 6.06 percent. This is a 63.33 percent increase over earnings of $1.50 per share from the same period last year. The company reported quarterly sales of $689.924 million which beat the analyst consensus estimate of $666.326 million by 3.54 percent. This is a 25.13 percent increase over sales of $551.360 million the same period last year.

Earnings

Earnings Beats

Enova International Q3 2024 Adj. EPS $2.45 Beats $2.31 Estimate, Sales $689.924M Beat $666.326M Estimate

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) will release its quarterly earnings report on Tuesday, 2024-10-22. Here's a brief overview for investors ahead of the announcement.
Analysts anticipate Enova International to report an earnings per share (EPS) of $2.32.
Investors in Enova International are eagerly awaiting the company's announcement, hoping for news of surpassing estimates and positive guidance for the next quarter.
It's worth noting for new investors that stock prices can be heavily influenced by future projections rather than just past performance.
<h3>Earnings Track Record</h3>
During the last quarter, the company reported an EPS beat by $0.14, leading to a 4.08% increase in the share price on the subsequent day.
Here's a look at Enova International's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
<th>Q3 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
<td>1.99</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
<td>1.50</td>
</tr>
<tr>
<td>Price Change %</td>
<td>4.0%</td>
<td>-1.0%</td>
<td>-7.000000000000001%</td>
<td>-18.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2024/1729533692_0.png" alt="eps graph" />
<h3>Enova International Share Price Analysis</h3>
Shares of Enova International were trading at $86.84 as of October 18. Over the last 52-week period, shares are up 94.35%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analysts' Perspectives on Enova International</h3>
Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Enova International.
Analysts have provided Enova International with 4 ratings, resulting in a consensus rating of Outperform. The average one-year price target stands at $90.5, suggesting a potential 4.21% upside.
<h3>Comparing Ratings Among Industry Peers</h3>
This comparison focuses on the analyst ratings and average 1-year price targets of and Enova International, three major players in the industry, shedding light on their relative performance expectations and market positioning.
<h3>Key Findings: Peer Analysis Summary</h3>
The peer analysis summary offers a detailed examination of key metrics for and Enova International, providing valuable insights into their respective standings within the industry and their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>Enova International</td>
<td>Outperform</td>
<td>25.83%</td>
<td>$299.24M</td>
<td>4.69%</td>
</tr>
</tbody>
</table>

Key Takeaway:
Enova International ranks at the bottom for Revenue Growth among its peers. It is also at the bottom for Gross Profit. However, it is in the middle for Return on Equity.
<h3>All You Need to Know About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International: A Financial Overview</h3>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.83% as of 30 June, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: Enova International's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 8.58%, the company may face hurdles in effective cost management.
Return on Equity (ROE): The company's ROE is a standout performer, exceeding industry averages. With an impressive ROE of 4.69%, the company showcases effective utilization of equity capital.
Return on Assets (ROA): The company's ROA is a standout performer, exceeding industry averages. With an impressive ROA of 1.14%, the company showcases effective utilization of assets.
Debt Management: With a high debt-to-equity ratio of 2.81, Enova International faces challenges in effectively managing its debt levels, indicating potential financial strain.
<a href="https://www.benzinga.com/quote/ENVA/earnings">To track all earnings releases for Enova International visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

A Glimpse of Enova International's Earnings Potential

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) has been analyzed by 4 analysts in the last three months, revealing a diverse range of perspectives from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th style="text-align: right;">Bullish</th>
<th style="text-align: right;">Somewhat Bullish</th>
<th style="text-align: right;">Indifferent</th>
<th style="text-align: right;">Somewhat Bearish</th>
<th style="text-align: right;">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">2</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">1</td>
<td style="text-align: right;">0</td>
<td style="text-align: right;">0</td>
</tr>
</tbody>
</table>
The 12-month price targets assessed by analysts reveal further insights, featuring an average target of $90.5, a high estimate of $103.00, and a low estimate of $76.00. This upward trend is evident, with the current average reflecting a 12.66% increase from the previous average price target of $80.33.
<img src="https://www.benzinga.com/files/images/story/2024/1728918019_0.png" alt="price target chart" />
<h2>Analyzing Analyst Ratings: A Detailed Breakdown</h2>
The standing of Enova International among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$103.00</td>
<td>$93.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Announces</td>
<td>Buy</td>
<td>$90.00</td>
<td>-</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$93.00</td>
<td>$78.00</td>
</tr>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Raises</td>
<td>Hold</td>
<td>$76.00</td>
<td>$70.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Enova International. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Enova International compared to the broader market.</li>
<li>Price Targets: Analysts provide insights into price targets, offering estimates for the future value of Enova International's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Assessing these analyst evaluations alongside crucial financial indicators can provide a comprehensive overview of Enova International's market position. Stay informed and make well-judged decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Enova International analyst ratings.</a>
<h2>Get to Know Enova International Better</h2>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Key Indicators: Enova International's Financial Health</h3>
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Revenue Growth: Enova International displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately 25.83%. This indicates a notable increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Net Margin: Enova International's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 8.58%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Enova International's ROE surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 4.69% ROE, the company effectively utilizes shareholder equity capital.
Return on Assets (ROA): Enova International's ROA stands out, surpassing industry averages. With an impressive ROA of 1.14%, the company demonstrates effective utilization of assets and strong financial performance.
Debt Management: Enova International's debt-to-equity ratio surpasses industry norms, standing at 2.81. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>How Are Analyst Ratings Determined?</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
Beyond their standard evaluations, some analysts contribute predictions for metrics like growth estimates, earnings, and revenue, furnishing investors with additional guidance. Users of analyst ratings should be mindful that this specialized advice is shaped by human perspectives and may be subject to variability.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Evaluating Enova International: Insights From 4 Financial Analysts

JMP Securities analyst David Scharf maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Market Outperform and raises the price target from $93 to $103.

JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $103

Stocks held by <a href="https://www.benzinga.com/top-stories/24/07/39677935/credit-card-debt-rises-as-consumers-face-higher-costs-of-living">consumer-lending firms</a> fell last week after Wall Street executives warned of lower-income borrowers&#8217; struggling to pay bills.
What Happened: Banking executives at a recent Barclays conference in New York noted how delinquencies are on the rise, the Wall Street Journal <a href="https://www.wsj.com/finance/americans-credit-debt-spending-interest-rates-f3836f23">reported</a>.
The average interest rate on a credit card as of May was 21.51%, up from around 15% in 2019, Federal Reserve data shows.
About 9.1% of credit card balances turned delinquent over the past 12 months to mark the highest rate in over a decade, according to an August report from the Federal Reserve Bank of New York.
"What that tells you is if people do get behind on their payments in this environment, it's tougher to get out of them," TD Cowen analyst Moshe Orenbuch said.
Read Also: &#8216;<a href="https://www.benzinga.com/real-estate/24/08/40666981/the-time-has-come-to-adjust-cheaper-mortgage-rates-could-be-just-weeks-away-but-it-all-hinges-on-thi">The Time Has Come to Adjust&#8217; — Cheaper Mortgage Rates Could Be Just Weeks Away, But It All Hinges On This Data</a>
Why It Matters: Bread Financial, a credit card company that serves lower-income borrowers, said it expects higher charge-off rates — balances that banks write off as a result of lack of payments — this year.
Late payments and charge-offs on auto loans were higher than expected in July and August as borrowers grapple with the cost of living and a worsening labor market, Ally Financial Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ALLY#NYSE">ALLY</a>) CFO Russ Hutchinson said.
This worried investors because car payments are usually the last bills to go delinquent because cars are needed for transportation.
The average interest rate on a 60-month loan for a new car was 8.2% as of May, according to Fed data, up from 5.3% in 2019.&nbsp;
Over the past year, roughly 8% of auto loans turned delinquent, according to the New York Fed, the highest rate in over a decade. 
Price Action: Consumer-lending companies trended upward into Tuesday&#8217;s early afternoon trading.
<ul>
<li>Enova International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) rose 3.48% to $83.32</li>
<li>Qifu Techhnology, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QFIN#NASDAQ">QFIN</a>) gained 1.02% to $25.17</li>
<li>Regional Management Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RM#NYSE">RM</a>) went up 2.4% to $33.25</li>
</ul>
Car-loan providers also rose on Tuesday.
<ul>
<li>Bank of America Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>) inched up 0.93% to $39.47</li>
<li>Ally Financial gained 2.42% to $33.83</li>
<li>Capital One Financial Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COF#NYSE">COF</a>) picked up 3.13% to $145.36</li>
</ul>
Read Now: 
<ul>
<li><a href="https://www.benzinga.com/news/large-cap/23/09/34443643/consumer-confidence-wavers-will-retail-stocks-face-a-reckoning">Consumer Confidence Wavers: Will Retail Stocks Face A Reckoning?</a></li>
</ul>
Image: Shutterstock

Economics

Personal Finance

ALLY

QFIN

Not Paying Your Bills? Wall Street Worries That Too Many Credit Card Balances Are Turning Delinquent

A substantial insider sell was reported on August 27, by David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), based on the recent SEC filing.
What Happened: After conducting a thorough analysis, Fisher sold 10,000 shares of Enova International. This information was disclosed in a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024101034//Archives/edgar/data/1529864/000095017024101034/0000950170-24-101034-index.htm">U.S. Securities and Exchange Commission</a> on Tuesday. The total transaction value is $844,496.
Enova International's shares are actively trading at $80.98, experiencing a down of 1.98% during Wednesday's morning session.
<h3>About Enova International</h3>
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 the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>A Deep Dive into Enova International's Financials</h3>
Revenue Growth: Enova International displayed positive results in 3 months. As of 30 June, 2024, the company achieved a solid revenue growth rate of approximately 25.83%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Profitability Metrics: Unlocking Value
<ul>
<li>
Gross Margin: The company shows a low gross margin of 47.62%, suggesting potential challenges in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS lags behind the industry average, indicating concerns and potential challenges with a current EPS of 2.0.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio stands notably higher than the industry average, reaching 2.81. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.
Market Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: The Price to Earnings ratio of 13.77 is lower than the industry average, indicating potential undervaluation for the stock.
</li>
<li>
Price to Sales (P/S) Ratio: The current P/S ratio of 1.05 is below industry norms, suggesting potential undervaluation and presenting an investment opportunity for those considering sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): With a lower-than-industry-average EV/EBITDA ratio of 19.52, Enova International presents a potential value opportunity, as investors are paying less for each unit of EBITDA.
</li>
</ul>
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
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<h3>Why Insider Transactions Are Important</h3>
In the complex landscape of investment decisions, investors should approach insider transactions as part of a comprehensive analysis, considering various elements.
Within the legal framework, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities as per Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
The initiation of a new purchase by a company insider serves as a strong indication that they expect the stock to rise.
However, insider sells may not always signal a bearish view and can be influenced by various factors.
<h3>Transaction Codes To Focus On</h3>
Taking a closer look at transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> often prioritize those unfolding in the open market, meticulously cataloged in Table I of the Form 4 filing. A P in Box 3 denotes a purchase, while S signifies a sale. Transaction code C denotes the conversion of an option, and transaction code A signifies a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Chief Executive Officer Of Enova International Makes $844K Sale

Janney Montgomery Scott analyst John Rowan downgrades Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) from Buy to Neutral.

Downgrades

Janney Montgomery Scott Downgrades Enova International to Neutral

Enova International, Inc. (ENVA) Q3 2024 Earnings Call Transcript

In a report released today, David Scharf from JMP Securities reiterated a Buy rating on Enova International (ENVA – Research Report), with a price ...

JMP Securities Sticks to Their Buy Rating for Enova International (ENVA)

Analysts have been eager to weigh in on the Financial sector with new ratings on Enova International (ENVA – Research Report) and Hamilton Insuranc...

Analysts Offer Insights on Financial Companies: Enova International (ENVA) and Hamilton Insurance Group, Ltd. Class B (HG)

JMP Securities raised the firm's price target on Enova International (ENVA) to $109 from $103 and keeps an Outperform rating on the shares. Enova r...

Enova International price target raised to $109 from $103 at JMP Securities

BTIG analyst Vincent Caintic raised the firm's price target on Enova International (ENVA) to $110 from $90 and keeps a Buy rating on the shares aft...

Enova International price target raised to $110 from $90 at BTIG

Janney Montgomery analyst John Rowan maintained a Hold rating on Enova International (ENVA – Research Report) today and set a price target of $83.0...

Janney Montgomery Sticks to Their Hold Rating for Enova International (ENVA)

Maxim analyst Michael Diana raised the firm's price target on Enova International (ENVA) to $108 from $100 and keeps a Buy rating on the shares aft...

Enova International price target raised to $108 from $100 at Maxim

Enova's Strong Earnings Signal Continued Growth Potential

Stephens initiated coverage of Enova International (ENVA) with an Overweight rating and $108 price target The firm initiated coverage on 13 alterna...

Enova International initiated with an Overweight at Stephens

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Enova Reports Second Quarter 2024 Results

Enova International, Inc. Announces Cash Tender Offer and Consent Solicitation

Offerings

ENOVA ANNOUNCES PRIVATE OFFERING OF $400.0 MILLION OF SENIOR NOTES DUE 2029

Enova Announces New Board Member Lindsay Corby

Enova International, Inc. Announces Early Tender Results and Receipt of Requisite Consents

ENOVA ANNOUNCES CLOSING OF $500.0 MILLION OF SENIOR UNSECURED NOTES DUE 2029

ENOVA ANNOUNCES NEW $300 MILLION SHARE REPURCHASE PROGRAM

New Report: Main Street Optimism Remains High as Digital Financing and Payment Solutions Expand

Enova Announces Date of Third Quarter 2024 Financial Results Conference Call

Enova Reports Third Quarter 2024 Results

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