ENVA | Ticker Profile - Titan Protect

ENVA

Enova International, Inc.

Financial Services · Credit Services · NYQ

$168.82

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$4.0B

Total market value of the company

Trailing P/E

13.12

Reasonably valued

Forward P/E

8.26

Based on estimated future earnings — lower means cheaper

Rev Growth

+25.8%

Year-over-year revenue change

Profit Margin

20.7%

How much profit the company keeps from each dollar of revenue

ROE

25.1%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$200.00

+18% from current price — median analyst estimate

Recommendation

STRONG_BUY

Consensus view from 7 analysts covering this stock

About Enova International, Inc.

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

https://www.enova.com

Country: United States Employees: 1,836 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

1.459

Excellent risk-adjusted returns

Kelly Fraction

0.1191

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

2.423

Returns exceed worst-case losses — strong risk profile

Annual Return

63.6%

Historical annualised return based on price data

Max Drawdown

-26.3%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

114

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.33

Moves slightly more than the broader market

52W High

$176.68

4% below the year high

52W Low

$90.87

86% above the year low

Avg Volume

226,973

Average daily shares traded — higher means easier to buy and sell

Short Ratio

7.6

Days it would take all short sellers to cover — higher means more crowded

Short % Float

9.8%

Moderate short interest

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$12.29

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

347.01

Heavy leverage — higher financial risk if revenues decline

Current Ratio

22.71

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

21.56

Like current ratio but excludes inventory — stricter test

Gross Margin

82.8%

Revenue left after cost of goods — higher means pricing power

Operating Margin

26.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$1.6B

Total revenue over the last 12 months

Net Income

$327M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$210.00

Target Median

$200.00

Target Low

$190.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

Before you go