Enova International, Inc. (ENVA) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE
Enova International, Inc. (ENVA) stock forecast summary
Our AI ranks Enova International, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Enova International, Inc. is a mid-cap company with a market capitalization of $4.43B. It ranks number 5 by market capitalization among the 11 Personal Credit Institutions issuers in our coverage with a current forecast.
For ENVA, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 3.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -7.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.7%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, ENVA included.
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How ENVA ranks among 5171 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Enova International, Inc. (ENVA) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Personal Credit Institutions peers listed below that report each metric.
Valuation & Market
| Metric | ENVA | Rank |
|---|---|---|
| Market Cap | $4.43B | 5/11 |
| P/E Ratio | 13.24x | 4/11 |
| P/B Ratio | 2.96x | 2/10 |
| EPS | $13.43 | – |
| Book Value/Share | $60.13 | – |
| Revenue/Share | $138.41 | – |
| FCF/Share | $78.43 | – |
Profitability & Margins
| Metric | ENVA | Rank |
|---|---|---|
| ROE | 23.7% | 3/10 |
| ROA | 4.9% | 2/10 |
| Gross Margin | 59.8% | – |
| Operating Margin | 24.0% | – |
| Net Margin | 10.3% | 6/10 |
| EBT Margin | 13.4% | 7/11 |
| Tax Rate | 23.1% | – |
Financial Health
| Metric | ENVA | Rank |
|---|---|---|
| D/E Ratio | 3.82x | 8/10 |
| Financial Leverage | 4.82x | 8/10 |
| Interest Coverage | 2.4x | – |
Cash Flow
| Metric | ENVA | Rank |
|---|---|---|
| Operating Cash Flow | $2.00B | 3/11 |
| Free Cash Flow | $1.95B | 1/7 |
| Capital Spending | -$46M | 5/7 |
| OCF Growth YoY | 19.9% | 3/9 |
| FCF Growth YoY | 20.4% | 2/6 |
| FCF/Sales | 56.7% | 1/7 |
| CapEx/Sales | 1.4% | 4/7 |
Operational Efficiency
| Metric | ENVA | Rank |
|---|---|---|
| Asset Turnover | 0.48x | 2/10 |
| Fixed Assets Turnover | 24.6x | 6/10 |
Income Statement
| Metric | ENVA | Rank |
|---|---|---|
| Total Revenue | $3.45B | 3/11 |
| Operating Income | $828M | – |
| Net Income | $355M | 5/10 |
| Cost of Goods Sold | $1.39B | – |
Dividend & Shareholder Information
| Metric | ENVA | Rank |
|---|---|---|
| Shares Outstanding | 25M | – |
| Net Income Growth | 38.7% | 5/10 |
| EPS Growth | 42.7% | 6/11 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $122M | 1.7% of assets |
| Total Liabilities | $5.73B | 79.3% of assets |
ENVA quarterly financials and insider trading
Enova International, Inc. (ENVA) industry peers
Companies classified under the same SEC industry code as Enova International, Inc. (Personal Credit Institutions): 11 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| ENVA Enova International, Inc. | ▲ | $4.43B |
| AFRM Affirm Holdings, Inc. | ▶ | $24.97B |
| OMF Onemain Holdings, Inc. | ▶ | $6.57B |
| CACC Credit Acceptance Corp | ▲ | $5.62B |
| NNI Nelnet Inc | ▶ | $4.58B |
| SLM Slm Corp | ▲ | $4.18B |
| BFH Bread Financial Holdings, Inc. | ▲ | $3.94B |
| HAPN Happen, Inc. | ▶ | $1.67B |
| ATLC Atlanticus Holdings Corp | ▶ | $1.40B |
| WRLD World Acceptance Corp | ▶ | $804M |
| RM Regional Management Corp. | ▶ | $318M |
Where ENVA sits on the market map
Enova International, Inc. (ENVA) stock news
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Enova International, Inc. (ENVA) stock forecast FAQ
What is the Enova International, Inc. (ENVA) stock forecast?
Our AI ranks Enova International, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Enova International, Inc. stock predictions?
For ENVA, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 3.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -7.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Enova International, Inc. forecasts updated?
Enova International, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Enova International, Inc.'s industry peers?
11 issuers in our coverage, ENVA included, share the SEC industry code Personal Credit Institutions. The largest are: Affirm Holdings, Inc. (AFRM), Onemain Holdings, Inc. (OMF), Credit Acceptance Corp (CACC), Nelnet Inc (NNI), Slm Corp (SLM), Bread Financial Holdings, Inc. (BFH).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.