ENOVA INTERNATIONAL INC (ENVA)
Financials · Alternative consumer lending and credit securitization · NYSE
Digital-first consumer and small business lender with a major pending bank acquisition, serving underserved borrowers through online origination and credit securitization.
What ENOVA INTERNATIONAL INC does
Enova International is a financial services company that originates and services loans and finance receivables, primarily online and through alternative channels. The company operates consumer lending platforms and is pursuing strategic expansion into banking through the pending acquisition of Grasshopper Bank to offer insured bank functionality. Enova manages a diversified portfolio of loans at fair value, with a substantial origination and servicing operation serving underbanked and credit-challenged consumers.
Themes: ["Alternative consumer lending","Credit securitization / asset-backed securities","Fintech lending platform","Underbanked / subprime consumer credit","Small business lending","Banking / insured deposits (pending)"]
Fundamentals
- Price$236.40 as of 2026-07-09 close
- Market cap$5.6B as of 2026-07-10
- 1-year return+102.9% as of 2026-07-09 close
- P/E17.14 as of 2026-07-10
- Net margin+16.9% as of 2026-07-10
- Gross margin+100.0% as of 2026-07-10
- ROE+24.9% as of 2026-07-10
- Debt / equity3.45 as of 2026-07-10
- Revenue growth (YoY)+20.1% as of 2026-07-10
- Revenue CAGR (3y)+22.0% SEC XBRL
- Beta1.23 as of 2026-07-10
Dividend: 2-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Regulatory risk: Effects of laws and regulations targeting the consumer lending industry, including compliance with CFPB oversight and potential restrictions on online lending, interest rate limitations, or enforceability of arbitration agreements.","Integration and execution risk: Success of pending Grasshopper Bank acquisition depends on regulatory approval, successful integration of insured banking functionality, and realization of anticipated synergies; management distraction during transaction.","Credit and economic risk: Deterioration of borrower credit quality, defaults, and charge-offs; sensitivity to economic cycles, inflation, and interest rate volatility affecting both origination and servicing."]
Competitors & peers
- LendingClub
- Upstart Holdings
- SoFi (Social Finance)
- Elevate Credit
- OppFi
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.