Enova International 株価情報 (NYSE: ENVA)

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 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.

Enova International Inc

<p>A large exercise of company stock options by <strong>David Fisher</strong>, Chief Executive Officer at <strong>Enova International</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) was disclosed in a new SEC filing on April 30, as part of an insider exercise.</p>
<p><strong>What Happened:</strong> A Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017025061109//Archives/edgar/data/1529864/000095017025061109/0000950170-25-061109-index.htm">U.S. Securities and Exchange Commission</a> on Wednesday revealed that Fisher, Chief Executive Officer at Enova International in the Financials sector, exercised stock options for 2,000 shares of ENVA stock. The exercise price of the options was $23.96 per share.</p>
<p>As of Thursday morning, <strong>Enova International</strong> shares are down by 0.66%, with a current price of $91.18. This implies that Fisher's 2,000 shares have a value of $134,440.</p>
<h3>Discovering Enova International: A Closer Look</h3>
<p>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.</p>
<h3>Enova International: A Financial Overview</h3>
<p><strong>Positive Revenue Trend:</strong> Examining Enova International's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of <strong>25.01%</strong> as of 31 December, 2024, showcasing a substantial increase in 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.</p>
<p><strong>Exploring Profitability:</strong></p>
<ul>
<li>
<p><strong>Gross Margin:</strong> The company shows a low gross margin of <strong>46.06%</strong>, suggesting potential challenges in cost control and profitability compared to its peers.</p>
</li>
<li>
<p><strong>Earnings per Share (EPS):</strong> Enova International's EPS is below the industry average. The company faced challenges with a current EPS of <strong>2.44</strong>. This suggests a potential decline in earnings.</p>
</li>
</ul>
<p><strong>Debt Management:</strong> The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of <strong>3.0</strong>, caution is advised due to increased financial risk.</p>
<p><strong>Evaluating Valuation:</strong></p>
<ul>
<li>
<p><strong>Price to Earnings (P/E) Ratio:</strong> Enova International's P/E ratio of <strong>10.82</strong> is below the industry average, suggesting the stock may be undervalued.</p>
</li>
<li>
<p><strong>Price to Sales (P/S) Ratio:</strong> The Price to Sales ratio is <b><strong>0.91</strong></b>, which is lower than the industry average. This suggests a possible undervaluation based on sales performance.</p>
</li>
<li>
<p><strong>EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization):</strong> Enova International's EV/EBITDA ratio of <strong>16.82</strong> exceeds industry averages, indicating a premium valuation in the market</p>
</li>
</ul>
<p><strong>Market Capitalization Analysis:</strong> 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.</p>
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<h3>Exploring the Significance of Insider Trading</h3>
<p>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.</p>
<p>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.</p>
<p>The initiation of a new purchase by a company insider serves as a strong indication that they expect the stock to rise.</p>
<p>However, insider sells may not always signal a bearish view and can be influenced by various factors.</p>
<h3>Breaking Down the Significance of Transaction Codes</h3>
<p>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 <strong>P</strong> in Box 3 denotes a purchase, while <strong>S</strong> signifies a sale. Transaction code <strong>C</strong> denotes the conversion of an option, and transaction code <strong>A</strong> signifies a grant, award, or other acquisition of securities from the company.</p>
<p><a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864"><strong>Check Out The Full List Of Enova International's Insider Trades.</strong></a></p>
<p><strong>Insider Buying Alert: Profit from C-Suite Moves</strong></p>
<p>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;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Click here for access</strong></a>.</p>
<p><em>This article was generated by Benzinga's automated content engine and reviewed by an editor.</em></p>


News

Insider Trades

Trading Ideas

ENVA

Options Exercise: David Fisher At Enova International Realizes $134K

<p>Providing a diverse range of perspectives from bullish to bearish, 5 analysts have published ratings on Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) in the last three months.</p>
<p>Summarizing their recent assessments, the table below illustrates the evolving sentiments in the past 30 days and compares them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></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><strong>1M Ago</strong></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><strong>2M Ago</strong></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><strong>3M Ago</strong></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>
</tbody>
</table>
<p>Analysts have set 12-month price targets for Enova International, revealing an average target of $134.6, a high estimate of $138.00, and a low estimate of $129.00. This upward trend is apparent, with the current average reflecting a 11.24% increase from the previous average price target of $121.00.</p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1746036027_0.png" alt="price target chart" /></p>
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
<p>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.</p>
<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>Maintains</td>
<td>Market Outperform</td>
<td>$135.00</td>
<td>$135.00</td>
</tr>
<tr>
<td>Michael Diana</td>
<td>Maxim Group</td>
<td>Raises</td>
<td>Buy</td>
<td>$138.00</td>
<td>$108.00</td>
</tr>
<tr>
<td>Kyle Joseph</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Overweight</td>
<td>$136.00</td>
<td>$115.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$129.00</td>
<td>$122.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$135.00</td>
<td>$125.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to Enova International. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> 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><strong>Price Targets:</strong> 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>
<p>To gain a panoramic view of Enova International's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage"><strong>Stay up to date on Enova International analyst ratings.</strong></a></p>
<h2>Unveiling the Story Behind Enova International</h2>
<p>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.</p>
<h3>Breaking Down Enova International's Financial Performance</h3>
<p><strong>Market Capitalization Analysis:</strong> 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.</p>
<p><strong>Revenue Growth:</strong> Over the 3M period, Enova International showcased positive performance, achieving a revenue growth rate of <strong>25.01%</strong> as of 31 December, 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.</p>
<p><strong>Net Margin:</strong> Enova International's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of <strong>8.73%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Enova International's ROE excels beyond industry benchmarks, reaching <strong>5.36%</strong>. This signifies robust financial management and efficient use of shareholder equity capital.</p>
<p><strong>Return on Assets (ROA):</strong> Enova International's ROA surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive <strong>1.24%</strong> ROA, the company effectively utilizes its assets for optimal returns.</p>
<p><strong>Debt Management:</strong> Enova International's debt-to-equity ratio stands notably higher than the industry average, reaching <strong>3.0</strong>. This indicates a heavier reliance on borrowed funds, raising concerns about financial leverage.</p>
<h2>Analyst Ratings: Simplified</h2>
<p>Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. </p>
<p>Some analysts will also offer forecasts for metrics like growth estimates, earnings, and revenue to provide further guidance on stocks. Investors who use analyst ratings should note that this specialized advice comes from humans and may be subject to error.</p>
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<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Analyst Ratings

5 Analysts Have This To Say About Enova International

WIIM

Enova International shares are trading lower. The company reported Q1 financial results.

<p>JMP Securities  analyst David Scharf   reiterates Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Market Outperform and maintains $135 price target.</p>


Price Target

Reiteration

JMP Securities Reiterates Market Outperform on Enova International, Maintains $135 Price Target

<p>Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) reported quarterly earnings of $2.98 per share which beat the analyst consensus estimate of $2.76 by 7.97 percent. This is a 56.02 percent increase over earnings of $1.91 per share from the same period last year.  The company reported quarterly sales of $745.54 million which beat the analyst consensus estimate of $734.14 million by 1.55 percent.  This is a 22.24 percent increase over sales of $609.89 million the same period last year.</p>


Earnings

Earnings Beats

Enova International Q1 Adj. EPS $2.98 Beats $2.76 Estimate, Sales $745.54M Beat $734.14M Estimate

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Earnings Scheduled For April 29, 2025

<p><strong>Enova International</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) is set to give its latest quarterly earnings report on Tuesday, 2025-04-29. Here's what investors need to know before the announcement.</p>
<p>Analysts estimate that Enova International will report an <strong>earnings per share</strong> (EPS) of $2.40. </p>
<p>Enova International bulls will hope to hear the company announce they've not only beaten that estimate, but also to provide positive guidance, or forecasted growth, for the next quarter.</p>
<p>New investors should note that it is sometimes not an earnings beat or miss that most affects the price of a stock, but the guidance (or forecast).</p>
<h3>Historical Earnings Performance</h3>
<p>In the previous earnings release, the company beat EPS by $0.34, leading to a 1.59% increase in the share price the following trading session.</p>
<p>Here's a look at Enova International's past performance and the resulting price change:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q4 2024</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.27</td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.61</td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
</tr>
<tr>
<td><strong>Price Change %</strong></td>
<td>2.0%</td>
<td>-2.0%</td>
<td>4.0%</td>
<td>-1.0%</td>
</tr>
</tbody>
</table>
</p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1745866887_0.png" alt="eps graph" /></p>
<h3>Market Performance of Enova International's Stock</h3>
<p>Shares of Enova International were trading at $97.88 as of April 25. Over the last 52-week period, shares are up 62.36%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. </p>
<h3>Analyst Insights on Enova International</h3>
<p>Understanding market sentiments and expectations within the industry is crucial for investors. This analysis delves into the latest insights on Enova International.</p>
<p>The consensus rating for Enova International is Buy, based on 4 analyst ratings. With an average one-year price target of $134.5, there's a potential 37.41% upside.</p>
<h3>Comparing Ratings Among Industry Peers</h3>
<p>The following analysis focuses on the analyst ratings and average 1-year price targets of  and Enova International, three prominent industry players, providing insights into their relative performance expectations and market positioning.</p>
<h3>Peers Comparative Analysis Summary</h3>
<p>The peer analysis summary provides a snapshot of key metrics for  and Enova International, illuminating their respective standings within the industry. These metrics offer valuable insights into their market positions and comparative performance.</p>
<p>
<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>Buy</td>
<td>25.01%</td>
<td>$336.05M</td>
<td>5.36%</td>
</tr>
</tbody>
</table>
</p>
<p>Key Takeaway:</p>
<p>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.</p>
<h3>All You Need to Know About Enova International</h3>
<p>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.</p>
<h3>Enova International: A Financial Overview</h3>
<p><strong>Market Capitalization Analysis:</strong> 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.</p>
<p><strong>Revenue Growth:</strong> Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of <strong>25.01%</strong> as of 31 December, 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.</p>
<p><strong>Net Margin:</strong> Enova International's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of <strong>8.73%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Enova International's ROE stands out, surpassing industry averages. With an impressive ROE of <strong>5.36%</strong>, the company demonstrates effective use of equity capital and strong financial performance.</p>
<p><strong>Return on Assets (ROA):</strong> Enova International's ROA stands out, surpassing industry averages. With an impressive ROA of <strong>1.24%</strong>, the company demonstrates effective utilization of assets and strong financial performance.</p>
<p><strong>Debt Management:</strong> With a high debt-to-equity ratio of <strong>3.0</strong>, Enova International faces challenges in effectively managing its debt levels, indicating potential financial strain.</p>
<p><a href="https://www.benzinga.com/quote/ENVA/earnings"><strong>To track all earnings releases for Enova International visit their earnings calendar on our site.</strong></a></p>
<p><em>This article was generated by Benzinga's automated content engine and reviewed by an editor.</em></p>


Insights into Enova International's Upcoming Earnings

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Shares of companies within the broader financial sector are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

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Shares of banks and financial services stocks are trading higher amid an overall market rebound following recent weakness.

<p>Maxim Group  analyst Michael Diana   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 $108 to $138.</p>


Maxim Group Maintains Buy on Enova International, Raises Price Target to $138

<p>Providing a diverse range of perspectives from bullish to bearish, 4 analysts have published ratings on Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) in the last three months.</p>
<p>The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.</p>
<table>
<thead>
<tr>
<th></th>
<th align="right"><strong>Bullish</strong></th>
<th align="right"><strong>Somewhat Bullish</strong></th>
<th align="right"><strong>Indifferent</strong></th>
<th align="right"><strong>Somewhat Bearish</strong></th>
<th align="right"><strong>Bearish</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>Total Ratings</strong></td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>Last 30D</strong></td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td><strong>1M Ago</strong></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><strong>2M Ago</strong></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><strong>3M Ago</strong></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>
</tbody>
</table>
<p>Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $127.0, with a high estimate of $136.00 and a low estimate of $108.00. Surpassing the previous average price target of $120.67, the current average has increased by 5.25%.</p>
<p><img src="https://www.benzinga.com/files/images/story/2025/1738785621_0_0.png" alt="price target chart" /></p>
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
<p>The perception of Enova International by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.</p>
<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>Kyle Joseph</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Overweight</td>
<td>$136.00</td>
<td>$115.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$129.00</td>
<td>$122.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$135.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Announces</td>
<td>Overweight</td>
<td>$108.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li><strong>Action Taken:</strong> Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Enova International. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li><strong>Rating:</strong> 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><strong>Price Targets:</strong> Understanding forecasts, analysts offer estimates for Enova International's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
<p>Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Enova International's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.</p>
<p><a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights"><strong>Stay up to date on Enova International analyst ratings.</strong></a></p>
<h2>About Enova International</h2>
<p>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.</p>
<h3>Enova International: A Financial Overview</h3>
<p><strong>Market Capitalization Analysis:</strong> Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.</p>
<p><strong>Revenue Growth:</strong> 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 <strong>25.13%</strong>. 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.</p>
<p><strong>Net Margin:</strong> Enova International's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of <strong>6.29%,</strong> the company may face hurdles in effective cost management.</p>
<p><strong>Return on Equity (ROE):</strong> Enova International's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of <strong>3.73%,</strong> the company may face hurdles in generating optimal returns for shareholders.</p>
<p><strong>Return on Assets (ROA):</strong> Enova International's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of <strong>0.89%,</strong> the company may face hurdles in achieving optimal financial returns.</p>
<p><strong>Debt Management:</strong> The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of <strong>2.82</strong>, caution is advised due to increased financial risk.</p>
<h2>Analyst Ratings: What Are They?</h2>
<p>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.</p>
<p>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.</p>
<p><strong>Which Stocks Are Analysts Recommending Now?</strong></p>
<p>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"><strong>Click here to stay ahead of the market</strong></a>.</p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


4 Analysts Have This To Say About Enova International

<p>Stephens &amp; Co.  analyst Kyle Joseph   maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Overweight and raises the price target from $115 to $136.</p>


Stephens & Co. Maintains Overweight on Enova International, Raises Price Target to $136

<p>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 $122 to $129.</p>


BTIG Maintains Buy on Enova International, Raises Price Target to $129

<p>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 $125 to $135.</p>


JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $135

<p><strong>Enova International</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) announced its Q4 earnings on Tuesday, February 4, 2025 at 04:16 PM.</p>
<p>Here's a breakdown of the earnings report.</p>
<h3>Earnings</h3>
<p>Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.</p>
<p>Revenue was up $145.96 million from the same period last year.</p>
<h3>Overview of Past Earnings</h3>
<p>The company beat on EPS by $0.14 in the last quarter, resulting in a 2.0% drop share price change the following day.</p>
<p>Here's a look at Enova International's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Enova International Earnings Report: Q4 Overview

<p>The earnings results for <strong>Enova International</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) for Q4 were made public on Tuesday, February 4, 2025 at 04:16 PM.</p>
<p>Here's a comprehensive overview of the announcement.</p>
<h3>Earnings</h3>
<p>Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.</p>
<p>Revenue was up $145.96 million from the same period last year.</p>
<h3>Previous Earnings Records</h3>
<p>In the previous quarter, the company beat on EPS by $0.14, resulting in a 2.0% drop change in the share price the following day.</p>
<p>Here's a look at Enova International's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Recap: Enova International Q4 Earnings

<p><strong>Enova International</strong> (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) announced its Q4 earnings on Tuesday, February 4, 2025 at 04:16 PM.</p>
<p>Here's a breakdown of the earnings report.</p>
<h3>Earnings</h3>
<p>Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.</p>
<p>Revenue was up $145.96 million from the same period last year.</p>
<h3>Performance in Previous Earnings</h3>
<p>Last quarter the company beat on EPS by $0.14 which was followed by a 2.0% drop in the share price the next day.</p>
<p>Here's a look at Enova International's past performance:</p>
<p>
<table>
<thead>
<tr>
<th><strong>Quarter</strong></th>
<th><strong>Q3 2024</strong></th>
<th><strong>Q2 2024</strong></th>
<th><strong>Q1 2024</strong></th>
<th><strong>Q4 2023</strong></th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>EPS Estimate</strong></td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td><strong>EPS Actual</strong></td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td><strong>Revenue Estimate</strong></td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td><strong>Revenue Actual</strong></td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>
</p>
<p>To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> </p>
<p>This article was generated by Benzinga's automated content engine and reviewed by an editor.</p>


Earnings Breakdown: Enova International Q4

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