Enova International, Inc. (ENVA) - Stock Analysis
Last updated: Jan 12, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
Enova International (ENVA) exhibits strong loan origination growth (22% in Q3), strategic acquisition of Grasshopper Bancorp for digital banking expansion, a $400M share repurchase plan, new 52-week highs, and a 26% stock gain with a bullish breakout, supporting it as a hot idea in fintech credit services.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Strong cash generation ⢠High financial leverage ⢠Margin deterioration Enva generates strong cash flow and high gross margins but is constrained by heavy leverage, declining margins and tight interest coverage.
Price Behavior
Key Price Behavior Insights: ⢠Steady uptrend ⢠Near resistance ⢠Prior sharp dip Support Level: $160 Resistance Level: $165 Over the last month ENVA has shown a steady bullish trend from about $141.49 to $161.60 with support near $160 and resistance around $165, though a sharp dip into the low $130s earlier signals caution.
Sentiment & News
Key News Insights: ⢠Price-target boost ⢠Technical breakout ⢠Industry tailwinds Enova's shares and analyst outlook have gained momentum amid technical strength, favorable lending trends, and culture recognition, signaling potential upside.
AI Summary
Enova's strategic pivot from a highâyield subprime lender to a balanceâsheetâintensive, bank-enabled franchise materially changes the investment thesisâcreating asymmetric upside if Grasshopper drives meaningful deposit funding and SMB originations stay dominant, but making the stock highly sensitive to funding costs, leverage and regulatory/integration execution. Actionable: monitor consolidated net chargeâoffs versus the ~8.5% runârate, deposit-driven funding cost trends and buyback cadence; failure to see sustained NCO declines or lower funding costs should trigger a portfolio deârisk.
Description
Enova International, Inc. is a Chicago-based provider of online financial services operating in the U.S., Brazil, Australia, and Canada. The company originates and manages consumer and small-business credit products â including installment loans, lines of credit and receivables-purchase arrangements â and also arranges third-party lending and delivers bank-facing marketing and loan-servicing programs. Enova distributes these services through multiple branded platforms and was incorporated in 2011.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Dec 23 | Dec 30 | ENVA | Enova International, Inc. | Enova International (ENVA) exhibits strong loan origination growth (22% in Q3), strategic acquisition of Grasshopper Bancorp for digital banking expansion, a $400M share repurchase plan, new 52-week highs, and a 26% stock gain with a bullish breakout, supporting it as a hot idea in fintech credit services. | Closed | -2.3% |
| Dec 12 | Dec 19 | ENVA | Enova International, Inc. | Enova International is a hot idea backed by 22% originations growth, strong revenue and EPS gains, strategic acquisition enhancing digital banking, ample liquidity, positive technical breakout with a 21% price rise, and supportive fintech credit services sector dynamics. | Closed | +0.8% |