Enova International, Inc. · Personal Credit Institutions

ENVA

Low riskNext report: Around Jan 26, 2027 (est.)

View price ↗

The short version

A profitable company with growing sales.

Going well

Sales up 26% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales up 19% last year

Watch out for

High debt: 3.37x equity

Money moves

No insider buying or selling in the last 30 days
Institutions added 0.6% to their holdings in the quarter ending June 2026 (234 bought, 173 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$170.06+3.1% that day

Company value: $4.2B; Share price times all shares
Price vs profit (P/E): 11.7x; You pay about $12 for each $1 of yearly profit
Price vs sales: 1.1x; Company value is 1.1 times a year of sales
Cash vs value: 3%; Cash as a share of company value
Debt vs value: 108%; Owes more than the whole company is worth

From ENVA's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Sep '26

$1.0B+26% vs a year earlier

Dec '23Tap a barSep '26

Last 12 months: $3.7B, up 20% from the 12 months before. Over 5 years, sales grew about 24% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of ENVA. Starting points are the company's recent numbers.

Sales growth+20% a yearRecently: +20% a yearProfit margin10%Last 12 months: 10.5%P/E at the end12xToday: 11.7x. Many steady companies trade at 12x to 25xShare count change-5% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$9.1B

Profit in 5 years$909M

Price these guesses point to$576.26+239% vs $170.06 todayAbout +28% a year, before dividends

What today's price needs: with a 10% margin and a 12x P/E, sales could shrink about 6.0% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/6Mixed

PassReturn on equity 15%+Earns a lot on the money owners have in the business.24.3%
MissDebt under half of equityNot relying on borrowed money.3.37x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.9.8%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$1.8B
PassShare count not growingNot diluting owners. Falling means buybacks.-20.0% in 3 years

Revenue: $3.2B; +18.6% vs prior year
5-year growth: +23.8%/yr; revenue, per year
Total debt: $4.5B; 3.37x equity
Free cash flow: $1.8B; 57.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Sep 30, 2026

Reported Oct 22After close4:16 pm ET

Revenue: $1.0B; +25.7% YoY
EPS: $4.06; vs $3.03
Op. margin: 24.5%; 0.0 pts
Gross margin: 60.9%; +3.5 pts
Free cash flow: $535.6M
Share count: -0.1%; vs a year ago

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

64/ 100

This week: 3
Normal week: 1.7
vs normal: 1.8x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady+0.6%

Institutions added 0.6% to their holdings. 234 bought, 173 sold. 3 quarters of net buying in a row.

Shares held by institutions23.6M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-6.4%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

3.4x · $5.4B debt

Shares outstandingLatest reported

24M

Why low risk

High debt: 3.43x equity

Earnings reports

Last 12

Next reportAround Jan 26, 2027 (est.)Estimated from the same quarter last year

Results filedOct 22
Results filedJul 23
Results filedApr 23
Results filedJan 27
Results filedOct 23, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

New 5%+ holder (passive)Jul 31 · View filing ↗Big holder

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Planned insider saleOct 27 · Form 144 ↗Planned insider saleOct 27 · Form 144 ↗Planned insider saleOct 27 · Form 144 ↗POS AMOct 23 · Form POS AM ↗Earnings resultsOct 22 · Form 8-K ↗Quarterly reportOct 22 · Form 10-Q ↗Major agreementOct 16 · Form 8-K ↗Major agreementOct 13 · Form 8-K ↗Major agreementSep 25 · Form 8-K ↗

SoldDavid FisherExecutive Chairman, Director

20,750 shares at $178.24 · $3.7M

-6% of holdings
Now owns 306,444 shares
Pre-planned sale (10b5-1)
Filed 4 days after trade
Also: Option exercise

Sep 17Form 4 ↗

Major agreementSep 17 · Form 8-K ↗Planned insider saleSep 17 · Form 144 ↗Investor disclosureSep 15 · Form 8-K ↗Investor disclosureSep 14 · Form 8-K ↗Investor disclosureSep 9 · Form 8-K ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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