Enova International Inc (ENVA)

Enova International's stock has been impacted by several events in the past six months. The Q3 2025 earnings report showed adjusted EPS surpassing estimates, with revenue increasing year-over-year, but slightly below expectations. The Q2 2025 earnings report showed strong financial results with revenue and adjusted EPS increasing year-over-year. A new $400 million share repurchase program was authorized. Enova announced an agreement to acquire Grasshopper Bank. Analyst ratings were mixed, with some raising target prices and reiterating "buy" ratings, while others downgraded the stock. Insiders sold shares worth approximately $5.68 million.

Demand for Enova International's consumer loan products in the U.S. is highest in the third and fourth quarters, corresponding to the holiday season, and lowest in the first quarter, coinciding with income tax refunds. Demand for its small business segment generally follows typical seasonal patterns, with strong credit performance.

Enova International, Inc. is a FinTech company providing online financial services to underserved consumers and small businesses. They operate in the Financial - Consumer Loans sector, using technology and analytics to offer products such as consumer and small business installment loans and lines of credit, CSO programs, bank programs, receivables purchase agreements, and a decision management platform. Their financing products are marketed under brand names like CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic, and they also offer the Pangea money transfer platform.

Enova International primarily operates in the United States and Brazil. In the U.S., they offer loans or lines of credit in 37 states and financing to small businesses in 49 states and Washington D.C. The company is headquartered in Chicago, Illinois, with additional U.S. offices in Denver and New York, and an international office in São Paulo, Brazil.

Enova International has maintained a positive brand reputation, being named to Computerworld's "Best Places to Work in IT" list for the 13th consecutive year. No specific negative events directly impacting Enova International's brand reputation were prominently reported in the past year.

Enova International's stock ownership is distributed among institutional investors, insiders, and public/individual investors. Institutional investors hold a significant portion of the stock. Insiders own a smaller percentage. Public companies and individual investors hold the remaining shares.