📊 ENVA Key Takeaways
Is ENVA a Good Investment? Thesis Analysis
Enova demonstrates robust fundamentals with 18.6% revenue growth, strong profitability metrics (58.1% gross margin, 23.5% operating margin), and exceptional cash generation (56.2% FCF margin). The company maintains a healthy balance sheet with strong liquidity (6.88x current ratio) and generates substantial free cash flow of $1.8B, though elevated leverage (3.37x debt/equity) and modest interest coverage (2.2x) warrant monitoring in a rising rate environment.
Why Buy ENVA? Key Strengths
- Strong revenue growth of 18.6% YoY demonstrating market expansion
- Exceptional profitability with 58.1% gross margin and 23.1% ROE
- Outstanding cash generation with $1.8B operating cash flow and 56.2% FCF margin
- High liquidity position with 6.88x current ratio providing financial flexibility
- Significant EPS growth of 55% YoY showing operational leverage
ENVA Investment Risks to Consider
- Elevated leverage ratio of 3.37x debt/equity increases financial risk exposure
- Thin interest coverage of 2.2x leaves limited cushion for debt servicing
- Net income flat growth (0.0% YoY) despite strong revenue growth suggests margin pressures
- Personal credit institutions face regulatory and macroeconomic sensitivity
- High insider activity (20 Form 4 filings in 90 days) may indicate elevated trading
Key Metrics to Watch
- Interest coverage ratio trend and debt refinancing conditions
- Operating margin sustainability amid revenue growth
- Debt reduction pace and leverage ratio improvement
- Credit quality and delinquency rates in loan portfolio
- Free cash flow conversion and capital allocation decisions
ENVA Financial Metrics
💡 AI Analyst Insight
The 56.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. Strong liquidity with a 6.88x current ratio provides a solid financial cushion.
ENVA Profitability Ratios
ENVA vs Default Sector
How Enova International, Inc. compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is ENVA Overvalued or Undervalued?
Based on fundamental analysis, Enova International, Inc. has mixed fundamental signals relative to the Default sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
ENVA Balance Sheet & Liquidity
ENVA 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: Enova International, Inc.'s revenue has grown significantly by 161% over the 5-year period, indicating strong business expansion. The most recent EPS of $5.49 reflects profitable operations.
ENVA Growth Metrics (YoY)
ENVA Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $689.9M | $43.4M | $1.57 |
| Q2 2025 | $628.4M | $53.9M | $1.93 |
| Q1 2025 | $609.9M | $48.4M | $1.64 |
| Q3 2024 | $551.4M | $41.3M | $1.29 |
| Q2 2024 | $499.4M | $48.1M | $1.50 |
| Q1 2024 | $483.3M | $48.4M | $1.56 |
| Q3 2023 | $456.2M | $41.3M | $1.29 |
| Q2 2023 | $408.0M | $48.1M | $1.50 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
ENVA Capital Allocation
ENVA SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for Enova International, Inc. (CIK: 0001529864)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ENVA
What is the AI rating for ENVA?
Enova International, Inc. (ENVA) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ENVA's key strengths?
Claude: Strong revenue growth of 18.6% YoY demonstrating market expansion. Exceptional profitability with 58.1% gross margin and 23.1% ROE.
What are the risks of investing in ENVA?
Claude: Elevated leverage ratio of 3.37x debt/equity increases financial risk exposure. Thin interest coverage of 2.2x leaves limited cushion for debt servicing.
What is ENVA's revenue and growth?
Enova International, Inc. reported revenue of $3.2B.
Does ENVA pay dividends?
Enova International, Inc. pays dividends, with $122.4M distributed to shareholders in the trailing twelve months.
Where can I find ENVA SEC filings?
Official SEC filings for Enova International, Inc. (CIK: 0001529864) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ENVA's EPS?
Enova International, Inc. has a diluted EPS of $11.52.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is ENVA a good stock to buy right now?
Based on our AI fundamental analysis in March 2026, Enova International, Inc. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ENVA stock overvalued or undervalued?
Valuation metrics for ENVA: ROE of 23.1% (sector avg: 15%), net margin of 9.8% (sector avg: 12%). Higher ROE suggests strong returns relative to peers.
Should I buy ENVA stock in 2026?
Our dual AI analysis gives Enova International, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is ENVA's free cash flow?
Enova International, Inc.'s operating cash flow is $1.8B, with capital expenditures of $47.1M. FCF margin is 56.2%.
How does ENVA compare to other Default stocks?
Vs Default sector averages: Net margin 9.8% (avg: 12%), ROE 23.1% (avg: 15%), current ratio 6.88 (avg: 1.8).