Enova International
Online consumer and small-business lender with proprietary automated underwriting.
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Profile
Earns interest and fees from online consumer loans and small-business financing, plus transfer fees and exchange-rate spreads from remittances. Proprietary automated underwriting supports a predominantly U.S. business, with a smaller Brazilian lending presence.
Provides online consumer credit, small-business financing, and cross-border money transfers, primarily in the United States. CashNetUSA and NetCredit offer installment loans and lines of credit; OnDeck and Headway Capital provide small-business term loans and revolving credit. Simplic arranges installment loans in Brazil, while Pangea handles remittances from the United States to Mexico, other Latin American markets, and Asia.
Runs applications and underwriting through scalable digital platforms. Proprietary analytics and machine-learning models automate credit decisions, set financing amounts and terms, and adjust to portfolio performance.
Nearly all revenue comes from the United States, with Brazil a small lending market. Operations form one reportable segment and remain subject to federal, state, local, and international lending, licensing, rate-limit, and money-transmission rules; some products also depend on issuing-bank partners.
Company facts
Categories
Key statistics
Year to date +43.6% · Average volume (30d) 320.1K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jul 27, 2026 | Seaport Global | Reiterate | Buy | $189 | $283 |
| Jul 8, 2026 | Jefferies | Reiterate | Buy | $95 | $280 |
| Jun 30, 2026 | BTIG | Reiterate | Buy | $199 | $270 |
| Apr 27, 2026 | Maxim Group | Reiterate | Buy | $191 | $200 |
| Apr 24, 2026 | Stephens | Target | $210 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $3.99 | $4.31 | +8.0% | $909.6M | $928.9M | +2.1% | +8.94% |
| Apr 23, 2026Q1 FY26 | $3.66 | $3.87 | +5.7% | $851.7M | $875.1M | +2.8% | −1.63% |
| Jan 27, 2026Q4 FY25 | $3.17 | $3.46 | +9.1% | $838.6M | $839.4M | +0.1% | +0.99% |
| Oct 23, 2025Q3 FY25 | $3.03 | $3.36 | +10.9% | $806.6M | $802.7M | −0.5% | +9.36% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $745.5M | $764.0M | $802.7M | $839.4M | $875.1M | $493.7M | |
| Gross profit | $345.6M | $358.7M | $373.8M | $501.9M | $866.2M | $484.8M | |
| Operating income | $171.9M | $184.1M | $196.8M | $186.6M | $209.8M | $237.1M | |
| Net income | $72.9M | $76.1M | $80.3M | $79.0M | $91.1M | $105.1M | |
| Diluted EPS | $2.69 | $2.86 | $3.03 | $3.00 | $3.46 | $3.99 | |
| Gross margin | 46.4% | 46.9% | 46.6% | 59.8% | 99.0% | 98.2% | |
| Operating margin | 23.1% | 24.1% | 24.5% | 22.2% | 24.0% | 48.0% |
Fiscal years (4-quarter sums)FY21 $1.21B · FY22 $1.74B · FY23 $2.12B · FY24 $2.66B · FY25 $3.15B
Revenue by geography · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $122.2M · Total debt $5.05B · Total assets $7.22B · Shareholders' equity $1.50B
Dividends
No dividends on record.
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 24.90M · Float 23.80M · 95.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 4.16M | 16.73% | 13F | Aug 7, 2026 |
| Vanguard Capital Management | 1.25M | 5.01% | 13G | Jul 31, 2026 |
| State Street Corp | 1.01M | 4.08% | 13F | Aug 7, 2026 |
| Invesco Ltd. | 941.2K | 3.78% | 13F | Aug 14, 2026 |
| Dimensional Fund Advisors LP | 880.3K | 3.54% | 13F | Aug 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | David Fisher | director, officer: Executive Chairman | −9,078 | $239.16 |
| Aug 25, 2026 | David Fisher | director, officer: Executive Chairman | −9,491 | $244.01 |
| Jul 15, 2026 | David Fisher | director, officer: Executive Chairman | −11,494 | $231.45 |
| Jul 14, 2026 | David Fisher | director, officer: Executive Chairman | −17,006 | $231.51 |
| Jun 18, 2026 | Mark Tebbe | director | −20,000 | $201.37 |
Peers
- OneMain
Largest US nonbank nonprime installment lender; branches + digital, no SMB.
- PayPal
Global payments platform with ~$1.5B merchant lending book for SMBs
- Upstart
AI lending marketplace connecting 100+ bank/CU partners to near-prime borrowers
- Shopify
E-commerce platform with embedded MCA and loan products for Shopify merchants
- LendingClub
Digital marketplace bank; prime personal loans and consumer banking.
- World Acceptance
Branch-network small-dollar installment lender for non-prime US consumers
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| PayPal | $53.74 | +0.15% | $45.90B | 10.1 | 9.7 | 1.3 | +4.8% |
| Upstart | $29.20 | +0.40% | $2.78B | 56.9 | 16.5 | 2.4 | +41.8% |
| Shopify | $152.40 | −0.33% | $198.41B | 102.6 | 72.8 | 15.0 | +32.0% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| Median | 16.9 | 12.5 | 1.6 | +4.9% |