ENVA
Financial ServicesEnova International, Inc. · Financial - Credit Services · $4B
What is Enova International, Inc.?
Enova International is a technology-driven online lender serving consumers and small businesses across the United States, Brazil, Australia, and Canada. The company uses data analytics to extend credit to underserved borrowers.
Enova generates revenue by originating and servicing installment loans, lines of credit, and receivables purchase agreements. It also earns fees through credit services organization programs and bank partnership arrangements. Its digital-first model targets near-prime consumers and small businesses who have limited access to traditional bank financing.
Enova was incorporated in 2011 and is headquartered in Chicago, Illinois.
- Consumer installment loans and lines of credit (CashNetUSA, NetCredit, Simplic)
- Small business financing (OnDeck, Headway Capital, The Business Backer)
- Receivables purchase agreements for small businesses
- Bank partnership and loan servicing programs
Is ENVA a Good Stock to Buy?
UQS Score rates ENVA as Good overall.
Growth stands out as the strongest pillar, reflecting Enova's expanding loan portfolio and revenue trajectory relative to sector peers. The Quality pillar also registers as Good, suggesting reasonable earnings consistency for a non-bank lender.
The Moat and Risk pillars both register as Weak, pointing to limited competitive differentiation and elevated credit or funding risks inherent in consumer and small-business lending.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ENVA pay dividends?
No — Enova International, Inc. does not currently pay a dividend.
Enova does not currently pay a dividend. As a growth-oriented online lender, the company reinvests capital into loan origination, technology, and geographic expansion rather than returning cash to shareholders through distributions.
When does ENVA report earnings?
Enova International reports earnings on a quarterly cadence, typical for US-listed equities.
Enova's recent reporting periods have reflected continued loan portfolio growth across its consumer and small-business segments. Credit performance and funding costs remain key variables that investors watch each quarter.
For the most recent quarter's results, visit Enova International's investor relations page directly.
ENVA Price History
+331.7% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Enova International, Inc.?
Based on Enova International, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Enova International do?
Enova International is an online financial services company that provides installment loans, lines of credit, and small-business financing. It operates under brand names including CashNetUSA, NetCredit, and OnDeck, serving customers in the US, Brazil, Australia, and Canada through a technology-driven lending platform.
Does ENVA pay dividends?
No, Enova does not pay a dividend. The company prioritizes reinvesting capital into loan growth and technology development rather than distributing cash to shareholders.
When does ENVA report earnings?
Enova reports on a standard quarterly schedule. For confirmed dates and the latest results, check the investor relations section of Enova's official website.
Is ENVA a good stock to buy?
UQS Score rates ENVA as Good overall. Growth is the standout pillar, while Moat and Risk are rated Weak, reflecting competitive and credit-related challenges. The full pillar breakdown is available to Pro members at uqs-score.com.
Is ENVA overvalued?
The UQS Valuation pillar for ENVA is rated Attractive, suggesting the stock may be reasonably priced relative to its fundamentals. Valuation alone does not determine investment suitability — view the complete analysis on UQS Score.
What is ENVA's market cap bracket?
Enova International is classified as a mid-cap company, placing it between smaller specialty lenders and large diversified financial institutions in terms of market size.
Is ENVA a long-term quality indicator?
From a quality perspective, Enova scores Good on the UQS Quality pillar but Weak on Moat, which matters for long-term durability. Investors focused on long-term holdings typically weigh moat strength heavily. The full multi-pillar view is available to Pro members.
What sector does ENVA belong to?
Enova operates in the Financial Services sector, specifically within online and alternative consumer and small-business lending. It competes with both traditional lenders and fintech-oriented credit platforms.
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Pro Analysis
ENVA — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 58.5 | 74.8 | 32.0 | 86.9 | 6.3 | 90.1 | +2.4 |
| Apr 25, 2026 | 56.1 | 74.7 | 32.0 | 86.9 | 0.0 | 80.5 | -1.9 |
| Apr 18, 2026 | 58.0 | 74.4 | 32.0 | 86.9 | 6.5 | 86.7 | -2.0 |
| Apr 2, 2026 | 60.0 | 74.4 | 32.0 | 86.9 | 6.5 | 100.0 | — |
ENVA — Pillar Breakdown
Quality
— 74.8/100 (25%)Enova International, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 86.9/100 (20%)Enova International, Inc. is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 6.3/100 (15%)Enova International, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 90.3/100 (15%)Enova International, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 32/100 (25%)Enova International, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ENVA.
Score Composition
Financial Data
More Stock Analysis
How is the ENVA UQS Score Calculated?
The UQS (Unified Quality Score) for Enova International, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Enova International, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Enova International, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.