Enova International, Inc. (ENVA)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$230.58-1.11%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
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 | 21.7% |
| Our one-year growth estimate | diamond | 24.0% |
Growth built into the price is above our model estimate.
The price assumes 2.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
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.
Model as of 2026-09-04 · Compared with 37 industry peers
ENVA — capital allocation — Creation of a Direct Financial Obligation or an Obligation under an Off-Balan…
Dated 2026-08-21
Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information provided in
Why it matters: Closing this acquisition could boost Enova's growth and lower funding costs. It is a key part of their strategy.
Supportive ifThey said they got approval from regulators. They also completed the purchase of Grasshopper Bank.
Worry ifThere may be a delay in getting regulatory approval. The acquisition may not close by the end of 2026.
Why it matters: If operating income growth is below 5%, it shows cost management problems. This could worry investors about profits.
Worry ifOperating income growth is below 5% compared to last year.
Less concerning ifOperating income growth reported at or above 5% year over year.
Why it matters: Earnings per share is crucial for investor confidence. A drop could signal financial struggles.
Worry ifQ2 adjusted earnings per share reported below $3.50.
Less concerning ifQ2 adjusted earnings per share reported above $3.50.
Why it matters: A steady or better charge-off ratio shows good credit performance. This helps investor trust.
Supportive ifNet charge-off ratio reported below 8% for Q3.
Worry ifA net charge-off ratio over 8% shows there may be credit issues.
Why it matters: If net income growth is below 10%, it suggests that revenue and cost improvements are not translating into profits. This could worry investors.
Worry ifNet income growth reported below 10% year over year.
Less concerning ifNet income growth reported at or above 10% year over year.
Why it matters: A drop below median growth could signal trouble in the financial sector and for Enova.
Worry ifEnova's revenue growth falls below 10% year over year.
Less concerning ifEnova's revenue growth remains above 10% year over year.
Why it matters: Strong EPS growth shows good cost management. It also shows strong profitability.
Supportive ifAdjusted EPS growth exceeds 30% in Q3.
Worry ifAdjusted EPS growth falls below 25% in Q3.
Why it matters: Closing this deal would unlock expected revenue synergies of $175M to $230M. This could boost growth and profitability.
Supportive ifLook for the date when the acquisition closes or when regulators approve it.
Worry ifWatch for delays in getting approval from regulators. Also, watch for news about the deal being canceled.
Why it matters: Strong revenue growth shows there is ongoing demand. This helps management's growth plans.
Supportive ifQ3 revenue growth reported above 20% year over year.
Worry ifQ3 revenue growth below 17% shows a slowdown.
Why it matters: Strong growth in originations shows demand for Enova's products. This is key for revenue.
Supportive ifOriginations growth above 25% year over year for Q3.
Worry ifIf originations growth is below 20%, it means demand is getting weaker.
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.
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 2026-09-04.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$179 on $10,000 · ±1.8% | 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 | $2,475 loss on $10,000 · 24.8% | 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.
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.