Enova International (NYSE:ENVA) Azioni

Enova International

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Long Ideas

News

Markets

Media

Trading Ideas

ENVA

FTNT

GEHC

PANW

TDOC

Jim Cramer si dice deluso per aver scelto GE HealthCare come la peggiore delle tre azioni. Ecco che cosa è successo.

Jim Cramer desolato: ha comprato la &#34;peggiore delle tre&#34;

Enova International Inc

WIIM

CRBG

DGICB

FRHC

HLNE

Janus Henderson Group plc Ordinary Shares

LPLA

NTRS

PIPR

PMAX

SNEX

SPGI

VCTR

ZBAO

Shares of companies within the broader financial sector are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The sector is now facing greater macroeconomic uncertainty and recession fears.

ALLY

ATLC

Brighthouse Financial, Inc. - Common Stock

FTFT

KINS

KSPI

LMND

ROOT

SOFI

UPST

Shares of companies within the broader financials sector are trading lower as markets react to President Trump's announcement of sweeping tariffs.

ARES

BBDO

BBVA

BSBR

CNCK

GDOT

HBAN

HOOD

HSBC

IBKR

INTR

ITUB

JFIN

MUFG

QFIN

SMFG

TIGR

Shares of banks and financial services stocks are trading lower following greater-than-expected inflation data measured through the PCE price index for February, while personal spending missed estimates. Additionally, recent tariff announcements may be weighing on equities.

CNFR

HRTG

Shares of banks and financial services stocks are trading higher amid an overall market rebound following recent weakness.

Maxim Group analyst Michael Diana maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Buy and raises the price target from $108 to $138.

Price Target

Analyst Ratings

Maxim Group Maintains Buy on Enova International, Raises Price Target to $138

Providing a diverse range of perspectives from bullish to bearish, 4 analysts have published ratings on Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) in the last three months.
The table below provides a snapshot of their recent ratings, showcasing how sentiments have evolved over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts' evaluations of 12-month price targets offer additional insights, showcasing an average target of $127.0, with a high estimate of $136.00 and a low estimate of $108.00. Surpassing the previous average price target of $120.67, the current average has increased by 5.25%.
<img src="https://www.benzinga.com/files/images/story/2025/1738785621_0_0.png" alt="price target chart" />
<h2>Decoding Analyst Ratings: A Detailed Look</h2>
The perception of Enova International by financial experts is analyzed through recent analyst actions. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Kyle Joseph</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Overweight</td>
<td>$136.00</td>
<td>$115.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$129.00</td>
<td>$122.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$135.00</td>
<td>$125.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Announces</td>
<td>Overweight</td>
<td>$108.00</td>
<td>-</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Enova International. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of Enova International compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Enova International's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Analyzing these analyst evaluations alongside relevant financial metrics can provide a comprehensive view of Enova International's market position. Stay informed and make data-driven decisions with the assistance of our Ratings Table.
<a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Enova International analyst ratings.</a>
<h2>About Enova International</h2>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International: A Financial Overview</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: Enova International's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 25.13%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Net Margin: Enova International's net margin lags behind industry averages, suggesting challenges in maintaining strong profitability. With a net margin of 6.29%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Enova International's ROE falls below industry averages, indicating challenges in efficiently using equity capital. With an ROE of 3.73%, the company may face hurdles in generating optimal returns for shareholders.
Return on Assets (ROA): Enova International's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.89%, the company may face hurdles in achieving optimal financial returns.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.82, caution is advised due to increased financial risk.
<h2>Analyst Ratings: What Are They?</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

4 Analysts Have This To Say About Enova International

Stephens &amp; Co. analyst Kyle Joseph maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Overweight and raises the price target from $115 to $136.

Stephens & Co. Maintains Overweight on Enova International, Raises Price Target to $136

BTIG analyst Vincent Caintic maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Buy and raises the price target from $122 to $129.

BTIG Maintains Buy on Enova International, Raises Price Target to $129

JMP Securities analyst David Scharf maintains Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) with a Market Outperform and raises the price target from $125 to $135.

JMP Securities Maintains Market Outperform on Enova International, Raises Price Target to $135

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) announced its Q4 earnings on Tuesday, February 4, 2025 at 04:16 PM.
Here's a breakdown of the earnings report.
<h3>Earnings</h3>
Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.
Revenue was up $145.96 million from the same period last year.
<h3>Overview of Past Earnings</h3>
The company beat on EPS by $0.14 in the last quarter, resulting in a 2.0% drop share price change the following day.
Here's a look at Enova International's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings

Enova International Earnings Report: Q4 Overview

The earnings results for Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) for Q4 were made public on Tuesday, February 4, 2025 at 04:16 PM.
Here's a comprehensive overview of the announcement.
<h3>Earnings</h3>
Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.
Revenue was up $145.96 million from the same period last year.
<h3>Previous Earnings Records</h3>
In the previous quarter, the company beat on EPS by $0.14, resulting in a 2.0% drop change in the share price the following day.
Here's a look at Enova International's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Recap: Enova International Q4 Earnings

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) announced its Q4 earnings on Tuesday, February 4, 2025 at 04:16 PM.
Here's a breakdown of the earnings report.
<h3>Earnings</h3>
Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.
Revenue was up $145.96 million from the same period last year.
<h3>Performance in Previous Earnings</h3>
Last quarter the company beat on EPS by $0.14 which was followed by a 2.0% drop in the share price the next day.
Here's a look at Enova International's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Breakdown: Enova International Q4

The Q4 earnings report for Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) was released on Tuesday, February 4, 2025 at 04:16 PM.
Here's what investors need to know about the latest announcement.
<h3>Earnings</h3>
Enova International beat estimated earnings by 15.0%, reporting an EPS of $2.61 versus an estimate of $2.27.
Revenue was up $145.96 million from the same period last year.
<h3>Earnings History Overview</h3>
The company beat on EPS by $0.14 in the last quarter, resulting in a 2.0% drop share price change the following day.
Here's a look at Enova International's past performance:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
<th>Q4 2023</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>2.31</td>
<td>2.07</td>
<td>1.72</td>
<td>1.66</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>2.45</td>
<td>2.21</td>
<td>1.91</td>
<td>1.83</td>
</tr>
<tr>
<td>Revenue Estimate</td>
<td>666.33M</td>
<td>622.93M</td>
<td>584.42M</td>
<td>586.33M</td>
</tr>
<tr>
<td>Revenue Actual</td>
<td>689.92M</td>
<td>628.44M</td>
<td>609.89M</td>
<td>583.59M</td>
</tr>
</tbody>
</table>

To track all earnings releases for Enova International <a href="https://www.benzinga.com/quote/ENVA/earnings">visit their earnings calendar here.</a> 
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Enova International Earnings Analysis: Q4 Recap

Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) reported quarterly earnings of $2.61 per share which beat the analyst consensus estimate of $2.27 by 14.98 percent. This is a 42.62 percent increase over earnings of $1.83 per share from the same period last year. The company reported quarterly sales of $729.55 million which missed the analyst consensus estimate of $730.04 million by 0.07 percent. This is a 25.01 percent increase over sales of $583.59 million the same period last year.

Earnings Beats

Earnings Misses

Enova International Q4 Adj EPS$2.61 Beats $2.27 Estimate, Sales $729.55M Miss $730.04M Estimate

ALGT

AMCR

AMGN

APAM

ARMK

ATEN

ATKR

AUDC

AVNW

AXTA

AZEK

AZPN

BALL

BERY

COLM

CRUS

CVRX

EGHT

ENPH

FICO

FLNG

FOXA

GBDC

GOOG

GOOGL

HUBB

ICHR

IESC

INGR

INMD

INNV

INTA

JKHY

JNPR

KLIC

KTCC

LANC

LARK

LUMN

MDLZ

MLAB

MPLX

MRCY

MSGS

MTCH

OCSL

OSCR

PINC

PYPL

RACE

Earnings Scheduled For February 4, 2025

On December 5, a recent SEC filing unveiled that David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) made an insider sell.
What Happened: Fisher's decision to sell 13,334 shares of Enova International was revealed in a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024133719//Archives/edgar/data/1529864/000095017024133719/0000950170-24-133719-index.htm">U.S. Securities and Exchange Commission</a> on Thursday. The total value of the sale is $1,356,601.
Enova International shares are trading down 0.0% at $105.87 at the time of this writing on Friday morning.
<h3>Delving into Enova International's Background</h3>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Breaking Down Enova International's Financial Performance</h3>
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.13% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. As compared to competitors, the company surpassed expectations with a growth rate higher than the average among peers in the Financials sector.
Interpreting Earnings Metrics:
<ul>
<li>
Gross Margin: The company faces challenges with a low gross margin of 46.88%, suggesting potential difficulties in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average. The company faced challenges with a current EPS of 1.64. This suggests a potential decline in earnings.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio is notably higher than the industry average. With a ratio of 2.82, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
Valuation Overview:
<ul>
<li>
Price to Earnings (P/E) Ratio: The P/E ratio of 16.86 is lower than the industry average, implying a discounted valuation for Enova International's stock.
</li>
<li>
Price to Sales (P/S) Ratio: With a P/S ratio of 1.22 below industry standards, the stock shows potential undervaluation, making it an appealing investment option for those focusing on sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio 20.4 is above the industry average, suggesting that the market values the company more highly for each unit of EBITDA. This could be attributed to factors such as strong growth prospects or superior operational efficiency.
</li>
</ul>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
<a href="https://www.schwab.com/brokerage?aff=XEC">Now trade stocks online commission free with Charles Schwab, a trusted and complete investment firm.</a>
<h3>Why Insider Transactions Are Key in Investment Decisions</h3>
Insider transactions, although significant, should be considered within the larger context of market analysis and trends.
In the realm of legality, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities under Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are required to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
Notably, when a company insider makes a new purchase, it is considered an indicator of their positive expectations for the stock.
Conversely, insider sells may not necessarily signal a bearish stance on the stock and can be motivated by various factors.
<h3>Important Transaction Codes</h3>
When it comes to transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> tend to focus on those in the open market, detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase, while S indicates a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insider Trades

Enova International Insider Trades Send A Signal

Revealing a significant insider sell on December 5, David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), as per the latest SEC filing.
What Happened: Fisher's decision to sell 20,000 shares of Enova International was revealed in a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024133746//Archives/edgar/data/1529864/000095017024133746/0000950170-24-133746-index.htm">U.S. Securities and Exchange Commission</a> on Thursday. The total value of the sale is $2,118,405.
At Friday morning, Enova International shares are up by 0.14%, trading at $106.02.
<h3>Delving into Enova International's Background</h3>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Economic Impact: An Analysis</h3>
Revenue Growth: Over the 3 months period, Enova International showcased positive performance, achieving a revenue growth rate of 25.13% as of 30 September, 2024. This reflects a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company excelled with a growth rate higher than the average among peers.
Holistic Profitability Examination:
<ul>
<li>
Gross Margin: The company shows a low gross margin of 46.88%, suggesting potential challenges in cost control and profitability compared to its peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average, signaling challenges in bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: Enova International's debt-to-equity ratio surpasses industry norms, standing at 2.82. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
Understanding Financial Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: The Price to Earnings ratio of 16.86 is lower than the industry average, indicating potential undervaluation for the stock.
</li>
<li>
Price to Sales (P/S) Ratio: The P/S ratio of 1.22 is lower than the industry average, implying a discounted valuation for Enova International's stock in relation to sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): The company's EV/EBITDA ratio 20.4 is above the industry average, suggesting that the market values the company more highly for each unit of EBITDA. This could be attributed to factors such as strong growth prospects or superior operational efficiency.
</li>
</ul>
Market Capitalization Analysis: Falling below industry benchmarks, the company's market capitalization reflects a reduced size compared to peers. This positioning may be influenced by factors such as growth expectations or operational capacity.
<a href="https://www.schwab.com/brokerage?aff=XEC">Now trade stocks online commission free with Charles Schwab, a trusted and complete investment firm.</a>
<h3>Why Insider Transactions Are Important</h3>
Insider transactions shouldn't be used primarily to make an investing decision, however an insider transaction can be an important factor in the investing decision. 
Within the legal framework, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities as per Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
The initiation of a new purchase by a company insider serves as a strong indication that they expect the stock to rise.
However, insider sells may not always signal a bearish view and can be influenced by various factors.
<h3>Breaking Down the Significance of Transaction Codes</h3>
When analyzing transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> tend to focus on those in the open market, detailed in Table I of the Form 4 filing. A P in Box 3 denotes a purchase,while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

David Fisher Takes Money Off The Table, Sells $2.12M In Enova International Stock

Disclosed on December 2, David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), executed a substantial insider sell as per the latest SEC filing.
What Happened: Fisher's decision to sell 10,000 shares of Enova International was revealed in a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024132250//Archives/edgar/data/1529864/000095017024132250/0000950170-24-132250-index.htm">U.S. Securities and Exchange Commission</a> on Monday. The total value of the sale is $1,057,280.
Enova International shares are trading up 0.91% at $107.0 at the time of this writing on Tuesday morning.
<h3>Delving into Enova International's Background</h3>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Economic Impact: An Analysis</h3>
Revenue Growth: Enova International displayed positive results in 3 months. As of 30 September, 2024, the company achieved a solid revenue growth rate of approximately 25.13%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Key Profitability Indicators:
<ul>
<li>
Gross Margin: With a low gross margin of 46.88%, the company exhibits below-average profitability, signaling potential struggles in cost efficiency compared to its industry peers.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average. The company faced challenges with a current EPS of 1.64. This suggests a potential decline in earnings.
</li>
</ul>
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.82, caution is advised due to increased financial risk.
Valuation Metrics: A Closer Look
<ul>
<li>
Price to Earnings (P/E) Ratio: With a lower-than-average P/E ratio of 16.88, the stock indicates an attractive valuation, potentially presenting a buying opportunity.
</li>
<li>
Price to Sales (P/S) Ratio: With a P/S ratio of 1.22 below industry standards, the stock shows potential undervaluation, making it an appealing investment option for those focusing on sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): At 20.41, the company's EV/EBITDA ratio outperforms industry norms, reflecting positive market perception. This positioning indicates optimistic expectations for the company's future performance.
</li>
</ul>
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
<a href="https://www.schwab.com/brokerage?aff=XEC">Now trade stocks online commission free with Charles Schwab, a trusted and complete investment firm.</a>
<h3>Why Insider Transactions Are Key in Investment Decisions</h3>
It's important to note that insider transactions alone should not dictate investment decisions, but they can provide valuable insights.
Considering the legal perspective, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, according to Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and major hedge funds. These insiders are mandated to disclose their transactions through a Form 4 filing, to be submitted within two business days of the transaction.
Pointing towards optimism, a company insider's new purchase signals their positive anticipation for the stock to rise.
Nevertheless, insider sells may not necessarily indicate a bearish view and can be influenced by various factors.
<h3>Breaking Down the Significance of Transaction Codes</h3>
Delving into transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> typically prioritize those unfolding in the open market, as precisely outlined in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Insider Selling: David Fisher Unloads $1.06M Of Enova International Stock

On November 27, a recent SEC filing unveiled that David Fisher, Chief Executive Officer at Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>) made an insider sell.
What Happened: According to a Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0001529864/000095017024131526//Archives/edgar/data/1529864/000095017024131526/0000950170-24-131526-index.htm">U.S. Securities and Exchange Commission</a> on Wednesday, Fisher sold 10,000 shares of Enova International. The total transaction value is $1,054,673.
The latest update on Thursday morning shows Enova International shares down by 0.79%, trading at $105.54.
<h3>Discovering Enova International: A Closer Look</h3>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International: Financial Performance Dissected</h3>
Revenue Growth: Enova International's revenue growth over a period of 3 months has been noteworthy. As of 30 September, 2024, the company achieved a revenue growth rate of approximately 25.13%. This indicates a substantial increase in the company's top-line earnings. In comparison to its industry peers, the company stands out with a growth rate higher than the average among peers in the Financials sector.
Profitability Metrics: Unlocking Value
<ul>
<li>
Gross Margin: The company shows a low gross margin of 46.88%, indicating concerns regarding cost management and overall profitability relative to its industry counterparts.
</li>
<li>
Earnings per Share (EPS): Enova International's EPS is below the industry average, signaling challenges in bottom-line performance with a current EPS of 1.64.
</li>
</ul>
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.82, caution is advised due to increased financial risk.
Understanding Financial Valuation:
<ul>
<li>
Price to Earnings (P/E) Ratio: Enova International's P/E ratio of 16.94 is below the industry average, suggesting the stock may be undervalued.
</li>
<li>
Price to Sales (P/S) Ratio: The P/S ratio of 1.23 is lower than the industry average, implying a discounted valuation for Enova International's stock in relation to sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): A high EV/EBITDA ratio of 20.44 reflects market recognition of Enova International's value, positioning it as more highly valued compared to industry peers.
</li>
</ul>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
<a href="https://www.schwab.com/brokerage?aff=XEC">Now trade stocks online commission free with Charles Schwab, a trusted and complete investment firm.</a>
<h3>The Impact of Insider Transactions on Investments</h3>
Considering insider transactions is valuable, but it's crucial to evaluate them in conjunction with other investment factors.
Exploring the legal landscape, an "insider" is defined as any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as stipulated by Section 12 of the Securities Exchange Act of 1934. This encompasses executives in the c-suite and major hedge funds. These insiders are required to report their transactions through a Form 4 filing, which must be submitted within two business days of the transaction.
Highlighted by a company insider's new purchase, there's a positive anticipation for the stock to rise.
But, insider sells may not necessarily indicate a bearish view and can be motivated by various factors.
<h3>Unlocking the Meaning of Transaction Codes</h3>
Surveying the realm of stock transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> often give prominence to those unfolding in the open market, systematically detailed in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C denotes the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0001529864">Check Out The Full List Of Enova International's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
Benzinga Edge reveals every insider trade in real-time. Don't miss the next big stock move driven by insider confidence. Unlock this ultimate sentiment indicator now. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22in8&amp;utm_source=benzinga-insights">Click here for access</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

David Fisher Implements A Sell Strategy: Offloads $1.05M In Enova International Stock

In the latest quarter, 5 analysts provided ratings for Enova International (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/ENVA#NYSE">ENVA</a>), showcasing a mix of bullish and bearish perspectives.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">3</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts have recently evaluated Enova International and provided 12-month price targets. The average target is $105.2, accompanied by a high estimate of $110.00 and a low estimate of $96.00. This current average reflects an increase of 13.42% from the previous average price target of $92.75. 
<img src="https://www.benzinga.com/files/images/story/2024/1731517268_0.png" alt="price target chart" />
<h2>Deciphering Analyst Ratings: An In-Depth Analysis</h2>
The standing of Enova International among financial experts becomes clear with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Vincent Caintic</td>
<td>Stephens &amp; Co.</td>
<td>Announces</td>
<td>Overweight</td>
<td>$108.00</td>
<td>-</td>
</tr>
<tr>
<td>Moshe Orenbuch</td>
<td>TD Cowen</td>
<td>Raises</td>
<td>Hold</td>
<td>$96.00</td>
<td>$85.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$109.00</td>
<td>$103.00</td>
</tr>
<tr>
<td>Vincent Caintic</td>
<td>BTIG</td>
<td>Raises</td>
<td>Buy</td>
<td>$110.00</td>
<td>$90.00</td>
</tr>
<tr>
<td>David Scharf</td>
<td>JMP Securities</td>
<td>Raises</td>
<td>Market Outperform</td>
<td>$103.00</td>
<td>$93.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to Enova International. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Enova International compared to the broader market.</li>
<li>Price Targets: Gaining insights, analysts provide estimates for the future value of Enova International's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into Enova International's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/ENVA/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Enova International analyst ratings.</a>
<h2>Discovering Enova International: A Closer Look</h2>
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
<h3>Enova International's Financial Performance</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Positive Revenue Trend: Examining Enova International's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 25.13% as of 30 September, 2024, showcasing a substantial increase in top-line earnings. As compared to its peers, the company achieved a growth rate higher than the average among peers in Financials sector.
Net Margin: Enova International's net margin falls below industry averages, indicating challenges in achieving strong profitability. With a net margin of 6.29%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Enova International's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of 3.73%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): Enova International's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 0.89%, the company may face hurdles in achieving optimal financial returns.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.82, caution is advised due to increased financial risk.
<h2>What Are Analyst Ratings?</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Which Stocks Are Analysts Recommending Now?
Benzinga Edge gives you instant access to all major analyst upgrades, downgrades, and price targets. Sort by accuracy, upside potential, and more. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=be8be9arja3be22bz21&amp;utm_source=benzinga-insights">Click here to stay ahead of the market</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

The Latest Analyst Ratings For Enova International

Press Releases

ENOVA ANNOUNCES CLOSING OF $500.0 MILLION OF SENIOR UNSECURED NOTES DUE 2029

Fintech

ENOVA ANNOUNCES NEW $300 MILLION SHARE REPURCHASE PROGRAM

New Report: Main Street Optimism Remains High as Digital Financing and Payment Solutions Expand

Enova Announces Date of Third Quarter 2024 Financial Results Conference Call

Enova Reports Third Quarter 2024 Results

New Report: Main Street Businesses Bullish on Future Growth

Enova Earns 12th Consecutive Recognition as Best Place to Work in IT

Enova Announces Date of Fourth Quarter and Full Year 2024 Financial Results Conference Call

Enova Reports Fourth Quarter and Full Year 2024 Results

New Report: New Year Brings Increased Optimism Around Growth Expectations for Main Street Businesses

Ally Financial

American Express

Bread Financial Holdings, Inc. Common Stock

Bread Finl Hldgs

Credit Acceptance Corporation - Common Stock

Credit Acceptance

Capital One Financial Corporation Common Stock

Capital One Finl

Dave

Discover Financial servs

EZCORP, Inc. - Class A Non-Voting Common Stock

EZCORP

FirstCash Hldgs

FinVolution Group American Depositary Shares

FinVolution Gr

Joint Stock Company Kaspi.kz - American Depository Shares

Kaspi.kz

LendingClub

Lufax Holding Ltd American Depositary Shares, each representing two (2) Ordinary Shares

Comments

Enova International

Notizie

PARTNER/COLLABORATORE

BENZINGA NEL MONDO