Enova International, Inc. (ENVA)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$174.28-3.81%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · ENVA
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks ENVA against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 4 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Our future is bright, and our focused growth strategy has us well positioned to continue delivering on our commitment to driving long-term shareholder value while meeting our mission of helping hardw…
Stated in 4 of 4 supplied quarters. Management reported: “For the third quarter, the Company expects revenue growth of around 25% and adjusted EPS growth of around 30% year-over-year.” “For the full year, the Company continues to expect revenue growth of 20% to 25% and adjusted EPS growth of 30% to 35% year-over-year.”
“Our future is bright, and our focused growth strategy has us well positioned to continue delivering on our commitment to driving long-term shareholder value while meeting our mission of helping hardw…”
““Based on what we are seeing today we’re raising our outlook for the year and we remain focused on continuing to generate sustainable and profitable growth while delivering on our commitment to drivi…”
“We remain well positioned to deliver sustainable and profitable growth this year and beyond.””
““We have delivered six consecutive quarters of year-over-year adjusted EPS growth of at least 25% or more, and we remain confident in our ability to continue to generate meaningful financial results…”
positioned to deliver on our commitment to driving long-term shareholder value through both continued investments in our business and opportunistic share repurchases.”
Stated in 1 of 4 supplied quarters. Management reported: “"Given our financial performance, flexible balance sheet and solid liquidity position, we intend to accelerate our share repurchase activity for the remainder of 2026.””
“positioned to deliver on our commitment to driving long-term shareholder value through both continued investments in our business and opportunistic share repurchases.””
We remain in a constructive dialogue with regulators as they continue their application review process, and we look forward to closing later this year to begin immediately delivering on the significa…
Stated in 2 of 4 supplied quarters. Management reported: “We remain in a constructive dialogue with regulators as they continue their application review process, and we look forward to closing later this year to begin immediately delivering on the significant transaction synergies.””
Sustain credit quality and portfolio risk discipline while expanding originations and receivables.
Pursue shareholder value through continued business investment and opportunistic share repurchases.
Over the trailing year it converted 6.18x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
43 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.
“We remain in a constructive dialogue with regulators as they continue their application review process, and we look forward to closing later this year to begin immediately delivering on the significa…”
“We continue to expect a second half of 2026 closing of our acquisition of Grasshopper Bank as we remain engaged with regulators on the typical application review process.”