Insider buying last 90 days
No open-market insider purchases were filed for ENVA in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every ENVA insider filing, plotted on the chart in Gekko.Open ENVA in Gekko
NYSE: ENVA
Enova International (ENVA) Stock Analysis & Forecast
Sep 28 close
$170.02−3.46 (−2.0%)
Gekko Brief
AI summaryThis week's news centers on Enova International's funding and ownership activity. Through subsidiary OnDeck, Enova completed a $500 million asset-backed securitization backed by an initial pool of approximately $526 million in small-business loans, carrying a weighted average coupon of 6.22% and revolving through 2028. Separately, Blue Tower Asset Management described the pending merger between Enova and Grasshopper Bank as a potentially transformative opening of new markets and lower funding costs, while a securities investigation notice from Levi & Korsinsky was also issued. Executive Chairman David Fisher exercised and sold 20,750 shares under a pre-arranged trading plan.
Enova shares closed at $170.02, down 2% on the day, sitting below both the 50-day average of $228.37 and the 200-day average of $181.97. The stock has fallen 28.4% over one month and 27.9% over three months, though it remains up 31.1% over six months and 38.4% over a year. The GekkoIndex reads 68.4, placing Enova in the Accumulation zone, down 7.5 points over five sessions. Price sits 27.2% below Gekko Fair Value of $233.42.
Enova's next earnings report is scheduled for 22 October 2026 after the close, 23 days away and within a typical 20-day holding window. The company's last report showed an EPS beat with a 6.6% reaction, part of eight consecutive beats. Seasonality over the next 20 trading days has averaged -3.2% across 5 years, rising in 2 of them. No insider, Congress, or unusual options activity appears in the current windows. Consensus among 7 firms remains a "Buy" rating with a $241 target.
Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.
Enova International price vs fair value
Close $170.02200-day averageGekko Fair Value $233.42
Enova International quick facts
- Market cap
- $4.23B
- P/E ratio
- 12.9
- Forward P/E
- 8.3
- EPS, TTM
- $13.45
- Revenue, TTM
- $1.69B
- Profit margin
- 21%
- Dividend yield
- —
- Beta
- 1.21
- Volume
- 340,177 avg 411,342
- 1-year return
- +38.4%
- Typical daily move
- ±5.4%
- Typical 20-day move
- ±7.8%
- 50-day average
- $228.37
- 200-day average
- $181.97
- Next earnings
- Oct 22 after close
- Shares outstanding
- 24.90M
Enova International swing-trade checklist
Enova International scores 2 supportive, 1 mixed and 2 headwinds across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive1 mixed2 headwinds
- Trendmixed
Averages disagree
Close $170.02 sits between the 50-day ($228.37) and 200-day ($181.97) averages, or the averages disagree.
See the chart - GekkoIndexsupportive
68.4, Accumulation
Reading 68.4 is in the Accumulation zone.
See the GekkoIndex - Fair valuesupportive
27.2% below
Price is 27.2% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 23 days
Reports on Oct 22, 2026, 23 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalityheadwind
−3.2% on average
From this point in the calendar, the next 20 trading days averaged −3.2% over 5 years, rising in 2 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Enova International stock chart and price history
Enova International closed at $170.02 on Sep 28, 2026, +38.4% over the past year, inside a 52-week range of $103.02 to $267.45.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −28.4%
- 3 months
- −27.9%
- 6 months
- +31.1%
- 1 year
- +38.4%
The full ENVA chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open ENVA in Gekko
Follow Enova International through every session
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About Enova International
Enova International uses technology and data analysis to deliver online financial services to consumers and small businesses in the United States, Brazil, and other markets. It is known for offering installment loans and lines of credit, along with programs that help arrange third-party loans and assist borrowers with applications and paperwork. The company also supports bank-issued near-prime consumer installment loans through marketing and servicing work, and it provides money transfer services as well.
Enova reaches customers through a set of consumer-facing brands, including CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea, each addressing different lending or transfer needs for individuals and small business owners.
The company was founded in 2003 and is based in Chicago, Illinois. Its shares are listed on the NYSE under the ticker ENVA.
- Listed
- NYSE
- Sector
- Finance
- Industry
- Finance/Rental/Leasing
- Website
- enova.com
Enova International GekkoIndex: the smart money zone
Enova International’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 68.4, in the Accumulation zone, down 7.5 points over five sessions.
68.4Accumulation
Down 7.5 points over five sessions, from the Buying zone.
Reading for Sep 28, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 14 | +1.0% | +2.9% | ||
| Accumulation (current zone) | 165 | +0.8% | +8.6% | ||
| Neutral | 404 | +1.0% | +4.4% | ||
| Distribution | 81 | +1.5% | −0.2% | ||
| Selling | 8 | Too few readings yet | |||
Average ENVA share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.
Accumulation zone: Institutional interest building. About the five zones →
See every daily GekkoIndex reading plotted over the ENVA price, zone by zone.Track ENVA in Gekko
Is Enova International stock overvalued? Gekko Fair Value
Enova International trades 27.2% below Gekko Fair Value of $233.42, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Enova International shares are worth, recalculated every trading day.
$233.42
Gekko Fair Value, Sep 29, 2026
27.2% Undervalued
Gekko Fair Value on every chart, with the gap to price updating daily.Open ENVA in Gekko
Enova International insider and Congress trading
No open-market insider purchases were filed for Enova International, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in ENVA were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for ENVA, plotted on the chart in Gekko.Open ENVA in Gekko
Buybacks
Enova International has been buying back its own shares.
- Bought back, quarter ended Jun 30, 2026
- $19.78M
- As a share of market cap
- 0.47%
- Trailing four quarters
- $133.1M
From company filings.
Enova International earnings: next date and track record
Enova International reports on Oct 22, 2026, after the close (23 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Oct 22, 2026
Expected after the close, 23 days away
- EPS estimate
- $4.42
- Revenue estimate
- $1.00B
8 of 8reports beat the EPS estimate
±5.1%average move across the report
5 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Jul 23, 2026 AI summary
- What they said
- Enova reported Q2 2026 revenue of $929 million, up 22% year-over-year, with adjusted EPS growing 33% YoY marking the eighth consecutive quarter of 30%+ EPS growth. Consolidated originations grew 27% YoY to $2.3 billion, the 11th straight quarter of 20%+ originations growth. The loan portfolio reached $5.5 billion, up 28% YoY. Net charge-off rate improved to 7.3%, declining both sequentially and year-over-year, driven by stronger consumer credit performance.
- Guidance
- Management cited stable macro conditions including 4.2% unemployment, 3.5% wage growth, and improving consumer sentiment as tailwinds. No specific quantitative guidance targets were provided in this excerpt, but management tone suggests continued growth momentum.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Jul 23, 2026 | $4.31 est $3.99 | $928.9M est $909.6M | +6.6% |
| Apr 23, 2026 | $3.87 est $3.68 | $875.1M est $851.7M | −0.8% |
| Jan 27, 2026 | $3.46 est $3.17 | $839.4M est $838.6M | +0.4% |
| Oct 23, 2025 | $3.36 est $3.03 | $802.7M est $806.6M | +9.4% |
| Jul 24, 2025 | $3.23 est $2.97 | $764.0M est $791.1M | −10.0% |
| Apr 29, 2025 | $2.98 est $2.77 | $745.5M est $734.1M | −7.5% |
| Feb 4, 2025 | $2.61 est $2.33 | $729.6M est $730.0M | +3.5% |
| Oct 22, 2024 | $2.45 est $2.30 | $689.9M est $731.1M | +2.3% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Enova International stock forecast and analyst price targets
Analysts’ average 12-month price target for Enova International is $241.00, +41.7% from the last close, from 7 firms rating the stock in the last 90 days.
$241.00consensus 12-month target, +41.7% from the last close
Now $170.02Avg $241.00
Low $205High $300
Each firm’s latest rating in the last 90 days: 7 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 17 | Stephens | $205 | +20.6% |
| Sep 16 | Maxim Group | $285 | +67.6% |
| Sep 15 | TD Cowen | $220 | +29.4% |
| Sep 15 | Citizens JMP | $215 | +26.5% |
| Sep 15 | Jefferies | $300 | +76.4% |
+8.6%average 20-day move after past Accumulation readings
−3.2%average move over the next 20 trading days in the last 5 years
±5.4%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Enova International seasonality: the next 20 trading days
Over the next 20 trading days from Sep 29, Enova International averaged −3.2% across the last 5 years, rising in 2 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | −0.2% | 3 of 5 |
| Next 10 trading days | +0.4% | 3 of 5 |
| Next 15 trading days | −1.3% | 3 of 5 |
| Next 20 trading days | −3.2% | 2 of 5 |
| Next 30 trading days | +11.7% | 4 of 5 |
For scale, ENVA’s typical 20-trading-day move in either direction is about 7.8%.
Enova International market cap and key statistics
Enova International’s market cap is $4.23B, with a P/E ratio of 12.9 and revenue of $1.69B over the last twelve months.
Valuation
- Market cap
- $4.23B
- P/E ratio
- 12.9
- Forward P/E
- 8.3
- EPS, TTM
- $13.45
- Gekko Fair Value
- $233.42
Trading
- Volume
- 340,177
- Avg volume, 20 days
- 411,342
- 52-week high
- $267.45
- 52-week low
- $103.02
- Shares outstanding
- 24.90M
Financials
- Revenue, TTM
- $1.69B
- Profit margin
- 21%
- Return on equity
- 26.1%
- Quarterly earnings growth, YoY
- +39.9%
Risk and income
- Beta
- 1.21
- Typical daily move
- ±5.4%
- Typical 20-day move
- ±7.8%
Enova International stock news this week
Coverage of Enova International this week reads positive: 3 positive, 1 neutral and 1 negative headlines.
- A $526M pool of small-business loans backs new notes issued by Enova (ENVA).Stock Titan, Sep 26
- Enova Completes $500M OnDeck ABS at 6.22% Coupon; Revolving Through 2028TradingView, Sep 26
- Why Blue Tower Asset Management Sees Enova International (ENVA) as a Transformational Fintech OpportunityYahoo Finance, Sep 25
- Enova International (ENVA) Securities Investigation Notice - Levi & KorsinskyGuruFocus, Sep 23
- Enova International, Inc. $ENVA Shares Sold by Baird Financial Group Inc.MarketBeat, Sep 23
- Enova (NYSE: ENVA) chair sells stock under preset trading planStock Titan, Sep 22
Enova International peers
Enova International’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| VVisa | Neutral | 5.4% below |
| MAMastercard | Neutral | 6.5% below |
| AXPAmerican Express | Accumulation | 12.9% below |
| COFCapital One Financial | Accumulation | 14.8% below |
| URIUnited Rentals | Neutral | 9.0% below |
| RKTRocket Companies | Accumulation | 23.5% below |
A peer links to its own page where one exists.
Enova International stock FAQ
What is Enova International’s market cap?
Enova International’s market cap is $4.23B at the Sep 28, 2026 close of $170.02, with 24.90M shares outstanding. The shares trade on a P/E ratio of 12.9.
What is the Enova International stock forecast?
The consensus analyst 12-month price target for Enova International is $241.00, +41.7% from the last close. Of the 7 firms that rated the stock in the last 90 days, 7 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Enova International stock overvalued or undervalued?
On Gekko’s estimate Enova International is undervalued: the Sep 28, 2026 close of $170.02 is 27.2% below Gekko Fair Value of $233.42. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Enova International report earnings next?
Enova International is expected to report on Oct 22, 2026, after the market closes (23 days away). Analysts expect earnings of $4.42 per share on revenue of $1.00B. Enova International beat the earnings estimate in 8 of its last 8 reports, moving 5.1% on average across the report.
What is Enova International’s 52-week high and low?
Enova International’s 52-week high is $267.45 and its 52-week low is $103.02; it closed at $170.02 on Sep 28, 2026, +38.4% over the past year.
Is Enova International stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 5 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 2 as headwinds (earnings risk and seasonality). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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