Enova International (NYSE:ENVA) Posts Earnings Results, Beats Estimates By $0.21 EPS

Enova International (NYSE:ENVA) posted its quarterly earnings data on Thursday. The credit services provider reported $3.87 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $3.66 by $0.21, FiscalAI reports. Enova International had a net margin of 9.78% and a return on equity of 25.31%. The company had revenue of $875.14 million for the quarter, compared to the consensus estimate of $854.52 million. During the same quarter last year, the firm posted $2.98 earnings per share. The firm’s revenue was up 17.4% compared to the same quarter last year.

Here are the key takeaways from Enova International’s conference call:

• Company reported strong top-line growth with originations up 33% YoY to nearly $2.3B, total receivables up 28% YoY to ~$5.3B, record revenue of $875M, and adjusted EPS +30% YoY.
• Credit metrics improved or stabilized: consolidated net charge-off ratio fell to 7.6% (lowest since Q2 2023), consumer NCOs down to 14.3%, and SMB NCOs remained steady at 4.6%.
• Management increased marketing to 22% of revenue (~$189M) to capture demand, driving originations but raising operating expenses to 36% of revenue; they expect marketing ~20% and O&T ~8–8.5% of revenue next quarter.
• Enova is progressing through regulatory review on the Grasshopper Bank acquisition (expected close in H2 2026) and projects >25% adjusted EPS accretion from net synergies within two years and lower funding costs from deposits.
• Company raised its outlook: Q2 revenue expected to be 15–20% YoY higher, full-year originations growth ~20%, and full-year adjusted EPS growth of at least 25% (not including Grasshopper).

Enova International Price Performance

Shares of Enova International stock traded up $0.89 on Thursday, hitting $168.95. 351,325 shares of the company traded hands, compared to its average volume of 198,745. The stock has a market capitalization of $4.21 billion, a P/E ratio of 13.99 and a beta of 1.20. The company has a debt-to-equity ratio of 3.37, a quick ratio of 9.48 and a current ratio of 9.48. Enova International has a 52 week low of $89.00 and a 52 week high of $176.68. The business has a 50-day simple moving average of $143.60 and a 200 day simple moving average of $141.69.

Wall Street Analysts Forecast Growth

Several brokerages have weighed in on ENVA. TD Cowen reaffirmed a “buy” rating on shares of Enova International in a report on Thursday, January 8th. BTIG Research reaffirmed a “buy” rating and set a $199.00 price target on shares of Enova International in a report on Wednesday, January 28th. Citigroup reaffirmed an “outperform” rating on shares of Enova International in a report on Wednesday, January 28th. Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Enova International in a report on Tuesday. Finally, Citizens Jmp lifted their price target on shares of Enova International from $180.00 to $182.00 and gave the company a “market outperform” rating in a report on Wednesday, January 28th. One analyst has rated the stock with a Strong Buy rating and five have issued a Buy rating to the company’s stock. According to data from MarketBeat.com, the stock presently has an average rating of “Buy” and a consensus target price of $188.00.

Insider Activity

In other news, Director James A. Gray sold 19,999 shares of Enova International stock in a transaction that occurred on Monday, February 2nd. The shares were sold at an average price of $172.04, for a total transaction of $3,440,627.96. The transaction was disclosed in a legal filing with the SEC, which is available at this hyperlink. Also, General Counsel Sean Rahilly sold 12,879 shares of Enova International stock in a transaction that occurred on Friday, January 30th. The shares were sold at an average price of $164.28, for a total transaction of $2,115,762.12. Following the sale, the general counsel owned 100,877 shares in the company, valued at approximately $16,572,073.56. The trade was a 11.32% decrease in their position. The disclosure for this sale is available in the SEC filing. Over the last 90 days, insiders have sold 119,019 shares of company stock valued at $19,748,101. Company insiders own 8.40% of the company’s stock.

Institutional Investors Weigh In On Enova International

Institutional investors and hedge funds have recently modified their holdings of the stock. EverSource Wealth Advisors LLC raised its position in shares of Enova International by 350.0% during the second quarter. EverSource Wealth Advisors LLC now owns 450 shares of the credit services provider’s stock valued at $50,000 after buying an additional 350 shares during the last quarter. Captrust Financial Advisors bought a new stake in shares of Enova International during the fourth quarter valued at approximately $268,000. Danske Bank A S bought a new stake in shares of Enova International during the third quarter valued at approximately $991,000. Horizon Investments LLC increased its position in Enova International by 5.9% in the third quarter. Horizon Investments LLC now owns 14,054 shares of the credit services provider’s stock worth $1,617,000 after purchasing an additional 789 shares during the last quarter. Finally, California State Teachers Retirement System increased its position in Enova International by 0.4% in the second quarter. California State Teachers Retirement System now owns 24,268 shares of the credit services provider’s stock worth $2,706,000 after purchasing an additional 105 shares during the last quarter. Institutional investors own 89.43% of the company’s stock.

Enova International Company Profile

Enova International, Inc (NYSE: ENVA) is a Chicago-based financial services company specializing in online lending solutions. Since its founding in 2004, Enova has leveraged proprietary data analytics and technology platforms to underwrite and deliver short-term consumer loans, lines of credit and installment loans. Through its flagship consumer brand NetCredit, Enova provides flexible credit options designed to serve a wide range of borrowers, including those with limited or non-traditional credit histories.

In addition to its U.S.