Touchstone
Last syncNov 1, 2026, 6:55 PM ET

ENVA

Enova International, Inc. Financials Personal Credit Institutions Russell 3000
$174.09Close $4.3BMarket cap $119.22 – $265.4552-week range Late-januaryNext report · estimated

Highlights

Strengths

  • Earnings growing EPS +34% year on year

Cautions

  • Not in an uptrend 3 of 8 trend conditions
  • Lagging the market RS 37 · weaker than 63% of stocks over 12 months
  • Far from its high 34% below its 52-week high

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 22, 2026
Off 12-month high 34%
1wk up 5.5% price change
1mo up 4.2% price change
12-month return up 46% market up 11% · its own up 33%
F-score — — Not assessed
Altman Z — Unknown
P/E 14.0× price / earnings
PEG 0.25 P/E / EPS growth
P/B 3.2× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 19% year on year
EPS growth up 34% latest quarter · -6 pts
Sales growth up 26% latest quarter · +4 pts
ROE up 24% return on equity
Free cash margin —
D/E 3.37 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest

Trade setup

ATR% 3.8% $6.67 a day · 2×ATR $160.75
RS 37 / 99 vs the universe
Trend 3 / 8 trend template
Relative volume 0.6× vs 50-day average
Up/down volume 0.72 50 sessions
Implied move — no scheduled report
Trend template · 3 of 8
  • Price above the 150 and 200-day averages: fails
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: fails
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: passes
  • Within 25% of the 52-week high: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 22, 2026
Last shock Sep 15, 2026-23% in one session5.4× volumeon an SEC filing0% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $3.2B +19% on FY2024
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.1B FY2021 · $1.2B FY2022 · $1.7B FY2023 · $2.1B FY2024 · $2.7B FY2025 · $3.2B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $308.4M +47% on FY2024
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $377.8M FY2021 · $256.3M FY2022 · $207.4M FY2023 · $175.1M FY2024 · $209.4M FY2025 · $308.4M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 58%
  • Net 10%
0% 100% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Gross 63% · Net 35% FY2021 · Gross 85% · Net 21% FY2022 · Gross 64% · Net 12% FY2023 · Gross 58% · Net 8% FY2024 · Gross 58% · Net 8% FY2025 · Gross 58% · Net 10%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $297.3M · Long-term debt $946.5M FY2021 · Cash $165.5M · Long-term debt $1.4B FY2022 · Cash $100.2M · Long-term debt $2.3B FY2023 · Cash $54.4M · Long-term debt $2.9B FY2024 · Cash $73.9M · Long-term debt $3.6B FY2025 · Cash $71.7M · Long-term debt $4.5B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 24.72m -30.9% since FY2020
35.76m 24.72m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 35.76m FY2021 · 34.14m FY2022 · 31.22m FY2023 · 29.09m FY2024 · 25.81m FY2025 · 24.72m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.1B $1.2B $1.7B $2.1B $2.7B $3.2B
Gross margin 63% 85% 64% 58% 58% 58%
Operating income $357.8M $413.1M $384.0M $422.1M $584.8M $739.4M
Net income $377.8M $256.3M $207.4M $175.1M $209.4M $308.4M
Net margin 35% 21% 12% 8% 8% 10%
Earnings per share $11.70 $6.79 $6.19 $5.49 $7.43 $11.52
Cash $297.3M $165.5M $100.2M $54.4M $73.9M $71.7M
Long-term debt $946.5M $1.4B $2.3B $2.9B $3.6B $4.5B
Shareholders' equity $917.3M $1.1B $1.2B $1.2B $1.2B $1.3B
Shares outstanding 35.76m 34.14m 31.22m 29.09m 25.81m 24.72m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 22, 2026 Quarterly ↗ Sep 30, 2026 22d
Jul 23, 2026 Quarterly ↗ Jun 30, 2026 23d
Apr 23, 2026 Quarterly ↗ Mar 31, 2026 23d
Feb 20, 2026 Annual ↗ Dec 31, 2025 51d
Oct 24, 2025 Quarterly ↗ Sep 30, 2025 24d
Jul 25, 2025 Quarterly ↗ Jun 30, 2025 25d
Apr 29, 2025 Quarterly ↗ Mar 31, 2025 29d
Feb 18, 2025 Annual ↗ Dec 31, 2024 49d
Oct 23, 2024 Quarterly ↗ Sep 30, 2024 23d
Jul 24, 2024 Quarterly ↗ Jun 30, 2024 24d
Apr 24, 2024 Quarterly ↗ Mar 31, 2024 24d
Feb 23, 2024 Annual ↗ Dec 31, 2023 54d

Current reports

FiledDisclosed
Oct 30, 2026 Material agreement · New obligation ↗
Oct 22, 2026 Results ↗
Oct 16, 2026 Material agreement · Agreement ended ↗
Oct 13, 2026 Material agreement · New obligation ↗
Sep 25, 2026 Material agreement · New obligation ↗
Sep 17, 2026 Material agreement · New obligation ↗
Sep 15, 2026 Regulation FD ↗
Sep 14, 2026 Regulation FD ↗
Sep 9, 2026 Regulation FD ↗
Aug 21, 2026 Material agreement · New obligation ↗
Aug 14, 2026 Material agreement · New obligation · Other events ↗
Jul 23, 2026 Results ↗