Enova International Inc (ENVA)

Enova International's stock has risen by 24.68% over the last six months and 25.69% year-to-date, with shareholders seeing a total return of nearly 46% over the past year. In late October 2025, shares jumped 10.3% after strong Q3 2025 financial results, with EPS of $3.36 beating estimates and revenue increasing 16.3% year-over-year. CEO David Fisher sold 35,000 shares in September 2025, and CFO Steven E. Cunningham sold 26,310 shares in July 2025.

Enova International experiences typical consumer seasonality, with the consumer net charge-off ratio rising in the third quarter. Consumer credit has remained solid, with higher demand from existing customers for refinancing and debt consolidation. Small business credit performance has remained strong and stable. October has historically shown a favorable long bias for ENVA's stock.

Enova International, Inc. is a financial technology company providing online financial services to non-prime consumers and small businesses, operating in the Credit Services industry. Enova uses advanced analytics and technology, including its Colossus™ platform, to deliver financial solutions such as consumer and small business installment loans and lines of credit, receivables purchase agreements, CSO programs, and bank programs, marketed under brands like CashNetUSA and NetCredit.

Enova International primarily operates in the United States and Brazil, with the majority of its revenue generated from the United States. The company is actively pursuing international expansion, particularly in markets like Brazil, to diversify its revenue streams. Historically, the company has also had operations in the United Kingdom, Australia, Canada, and China.

Enova International is known as a leading financial technology company providing online financial services through advanced analytics and technology, emphasizing compliance and responsible lending. Its reputation has been positively impacted by strong financial performance, strategic positioning in online financial services, technological advancements, and international expansion. The company's ability to attract and retain customers in a competitive market also contributes to its positive standing.

Major institutional owners of Enova International include BlackRock, Vanguard Group, Dimensional Fund Advisors, State Street Corporation, Renaissance Technologies, and others. Corporate insiders collectively own 8.40% of the stock.