Enova International (ENVA)
Online consumer and small-business lender with proprietary automated underwriting.
Something off on this page? Send us feedback.
Earns interest and fees from online consumer loans and small-business financing, plus transfer fees and exchange-rate spreads from remittances. Proprietary automated underwriting supports a predominantly U.S. business, with a smaller Brazilian lending presence.
Provides online consumer credit, small-business financing, and cross-border money transfers, primarily in the United States. CashNetUSA and NetCredit offer installment loans and lines of credit; OnDeck and Headway Capital provide small-business term loans and revolving credit. Simplic arranges installment loans in Brazil, while Pangea handles remittances from the United States to Mexico, other Latin American markets, and Asia.
Runs applications and underwriting through scalable digital platforms. Proprietary analytics and machine-learning models automate credit decisions, set financing amounts and terms, and adjust to portfolio performance.
Nearly all revenue comes from the United States, with Brazil a small lending market. Operations form one reportable segment and remain subject to federal, state, local, and international lending, licensing, rate-limit, and money-transmission rules; some products also depend on issuing-bank partners.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 17, 2026 | Stephens | Reiterate | Rating: —Target: $210 | Target: $205 |
| Jul 27, 2026 | Seaport Global | Reiterate | Rating: —Target: $189 | Target: $283 |
| Jul 8, 2026 | Jefferies | Reiterate | Rating: —Target: $95 | Target: $280 |
| Jun 30, 2026 | BTIG | Reiterate | Rating: —Target: $199 | Target: $270 |
| Apr 27, 2026 | Maxim Group | Reiterate | Rating: —Target: $191 | Target: $200 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $122.2M · Total debt $5.05B · Total assets $7.22B · Shareholders' equity $1.50B
- Revenue
- $493.7M
- Operating income
- $237.1M
- Net income
- $105.1M
No dividends on record.
| Institutions | 96.22% | 23.96M shares | |
|---|---|---|---|
| 439 holders · as of Jun 30, 2026 | |||
| Insiders | 4.38% | 1.09M shares | |
| 16 holders · as of Sep 21, 2026 | |||
| Adds to | 100.60% | ||
24.90M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 100.60%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 16.73% | 4.16M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.27% | 1.06M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.08% | 1.01M | as of Jun 30, 2026 |
Invesco Ltd.Institution | 3.78% | 941,183 | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 3.54% | 880,279 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 17, 2026 | David Fisher | director, officer: Executive Chairman | −20,750 | $178.24 |
| Aug 26, 2026 | David Fisher | director, officer: Executive Chairman | −9,078 | $239.16 |
| Aug 25, 2026 | David Fisher | director, officer: Executive Chairman | −9,491 | $244.01 |
| Jul 15, 2026 | David Fisher | director, officer: Executive Chairman | −11,494 | $231.45 |
| Jul 14, 2026 | David Fisher | director, officer: Executive Chairman | −17,006 | $231.51 |
- OneMain
Largest US nonbank nonprime installment lender; branches + digital, no SMB.
- PayPal
Global payments platform with ~$1.5B merchant lending book for SMBs
- Upstart
AI lending marketplace connecting 100+ bank/CU partners to near-prime borrowers
- Shopify
E-commerce platform with embedded MCA and loan products for Shopify merchants
- LendingClub
Digital marketplace bank; prime personal loans and consumer banking.
- World Acceptance
Branch-network small-dollar installment lender for non-prime US consumers
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Enova International | $169.56 | +0.34% | $4.21B | 12.5 | 8.8 | 1.4 | +21.6% |
| OneMain | $57.77 | −2.23% | $6.83B | 8.9 | 7.3 | 1.1 | −15.5% |
| PayPal | $52.67 | −0.42% | $45.25B | 10.0 | 9.5 | 1.3 | +4.8% |
| Upstart | $24.84 | −4.35% | $2.49B | 50.8 | 17.6 | 1.9 | +41.8% |
| Shopify | $141.67 | −4.11% | $191.72B | 99.2 | 67.3 | 14.4 | +32.0% |
| LendingClub | $19.21 | +2.13% | $2.22B | 11.6 | 9.8 | 1.8 | −15.9% |
| World Acceptance | $171.64 | −0.78% | $806.2M | 20.4 | 13.8 | 1.4 | +5.1% |
| Median | 16.0 | 11.8 | 1.6 | +4.9% |