Stock Scorecard
Stock Summary for Enova International Inc (ENVA) - $151.86 as of 2/13/2026 6:15:49 PM EST
Total Score
7 out of 30
Safety Score
46 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for ENVA
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for ENVA
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for ENVA
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for ENVA
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for ENVA (46 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 5 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for ENVA
Financial Details for ENVA
Company Overview |
|
|---|---|
| Ticker | ENVA |
| Company Name | Enova International Inc |
| Country | N/A |
| Description | Enova International, Inc. is a premier technology-driven financial services firm based in Chicago, Illinois, with a robust operational footprint in markets including the United States, Brazil, Australia, and Canada. Leveraging advanced data analytics and machine learning capabilities, Enova specializes in offering a wide range of financial products, such as personal and business loans, designed specifically for underserved consumers and small businesses. With a steadfast commitment to responsible lending practices and consumer protection, Enova is strategically positioned to navigate the evolving digital finance landscape, enhancing access to affordable financial solutions for its diverse clientele. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/28/2026 |
Stock Price History |
|
| Last Day Price | 151.86 |
| Price 4 Years Ago | 38.37 |
| Last Day Price Updated | 2/13/2026 6:15:49 PM EST |
| Last Day Volume | 455,906 |
| Average Daily Volume | 367,491 |
| 52-Week High | 176.68 |
| 52-Week Low | 79.41 |
| Last Price to 52 Week Low | 91.24% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 28.00 |
| Sector PE | 35.58 |
| 5-Year Average PE | 8.38 |
| Free Cash Flow Ratio | 52.37 |
| Industry Free Cash Flow Ratio | 7.07 |
| Sector Free Cash Flow Ratio | 25.45 |
| Current Ratio Most Recent Quarter | 0.23 |
| Total Cash Per Share | 2.90 |
| Book Value Per Share Most Recent Quarter | 54.08 |
| Price to Book Ratio | 2.98 |
| Industry Price to Book Ratio | 2.32 |
| Sector Price to Book Ratio | 1.91 |
| Price to Sales Ratio Twelve Trailing Months | 2.67 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.36 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.52 |
| Analyst Buy Ratings | 5 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 24,715,600 |
| Market Capitalization | 3,753,311,016 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 30.40% |
| Annual Earnings Growth | 47.24% |
| Reported EPS 12 Trailing Months | 11.52 |
| Reported EPS Past Year | 12.74 |
| Reported EPS Prior Year | 9.18 |
| Net Income Twelve Trailing Months | 308,389,000 |
| Net Income Past Year | 308,389,000 |
| Net Income Prior Year | 209,448,000 |
| Quarterly Revenue Growth YOY | 22.90% |
| 5-Year Revenue Growth | 23.80% |
| Operating Margin Twelve Trailing Months | 23.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 71,709,000 |
| Total Cash Past Year | 71,709,000 |
| Total Cash Prior Year | 73,910,000 |
| Net Cash Position Most Recent Quarter | -4,034,762,000 |
| Net Cash Position Past Year | -3,258,440,000 |
| Long Term Debt Past Year | 3,330,149,000 |
| Long Term Debt Prior Year | 3,330,149,000 |
| Total Debt Most Recent Quarter | 4,106,471,000 |
| Equity to Debt Ratio Past Year | 0.29 |
| Equity to Debt Ratio Most Recent Quarter | 0.25 |
| Total Stockholder Equity Past Year | 1,336,724,000 |
| Total Stockholder Equity Prior Year | 1,196,924,000 |
| Total Stockholder Equity Most Recent Quarter | 1,336,724,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 1,771,981,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 71.69 |
| Free Cash Flow Past Year | 1,771,981,000 |
| Free Cash Flow Prior Year | 1,495,154,000 |
Options |
|
| Put/Call Ratio | 1.16 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.58 |
| MACD Signal | 1.67 |
| 20-Day Bollinger Lower Band | 98.84 |
| 20-Day Bollinger Middle Band | 140.79 |
| 20-Day Bollinger Upper Band | 182.73 |
| Beta | 1.21 |
| RSI | 44.43 |
| 50-Day SMA | 117.09 |
| 150-Day SMA | 83.08 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 2/12/2026 10:25:16 PM EST |