Enova International, Inc. (ENVA)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$174.28-3.81%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · ENVA
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 2.8% |
| Our one-year growth estimate | diamond | 22.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 20.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
ENVA — credit agreement
Dated 2026-10-30
Entry into a Material Definitive Agreement. Revolving Credit Facility On October 30, 2026, Enova International, Inc. (the “ Company ”) and certain of its subsidiaries amended their existing secured asset-backed revolving credit facility by entering into that certain Fourth Amendment to Amended and Restated Credit Agreement (the “ Fourth Amendment ”) with Bank of Montreal, as administrative agent and collateral agent, and the lenders party thereto. Among other changes, the Fourth Amendment inc…
Why it matters: Enova kept this 2026 goal in September. Q3 adjusted EPS rose 33% year over year, keeping the goal in view.
Supportive ifReported 2026 adjusted EPS growth lands within or above the guided 30% to 35% range.
Worry ifReported 2026 adjusted EPS growth falls below 30%.
Why it matters: Q3 revenue grew 26% year over year, while the financial sector's growth trend is easing. A sharp slowdown would test Enova's growth record.
Worry ifQ4 revenue growth falls below 20% year over year.
Less concerning ifQ4 revenue growth stays at or above 20% year over year.
Why it matters: Enova reaffirmed this growth range in September. Q3 revenue grew 26% year over year, so the full-year result tests that outlook.
Supportive ifReported 2026 revenue growth lands within or above the guided 20% to 25% range.
Worry ifReported 2026 revenue growth falls below 20%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$173 on $10,000 · ±1.7% | How much price usually moves either way. |
| Bad day | $334 loss on $10,000 · 3.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,782 loss on $10,000 · 37.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.