ENVA — Enova International Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Enova International Inc

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as mark… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$158.90
Market Cap$4.00B
Float23.8M
Shares Outstanding24.9M
P/E (Forward)9.88
P/E (TTM)13.09
Price/Sales (TTM)2.53
vs. Analyst Target+27.1% to analyst PT
Profit Margin20.67%
Operating Margin (TTM)26.60%
Revenue (TTM)$1.58B
Earnings Growth (YoY)28.60%
Dividend RateNone
Analyst Target Price$202.00 (8 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $1.08B $378M $598M $291M
2021 $1.21B $256M $948M $372M
2022 $1.74B $207M $1.00B $305M
2023 $2.12B $175M $1.04B $266M
2024 $2.66B $209M $1.24B $335M
2025 $3.15B $308M $1.58B $530M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $764M $76.1M
Sep 2025 $803M $80.3M
Dec 2025 $839M $79.0M
Mar 2026 $875M $91.1M

Ownership & Float

Insider Ownership4.6%
Institutional Ownership96.8%
Short Float7.9%
% of All Funds Holding4.28%
Number of Funds Holding352

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$156.73Near-term / short-term trend
Weekly40-Week SMA$141.98Medium-term trend
Weekly80-Week SMA$121.69Cyclical trend (business cycle)
Weekly200-Week SMA$81.08Secular trend (multi-year)
Monthly10-Month SMA$141.26Near-term monthly trend
Monthly20-Month SMA$120.68Medium-term monthly trend
Monthly40-Month SMA$89.10Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$131.00 support 1.07x 4 months ago
$93.00 support 1.25x 10 months ago

Historical Earnings Reactions (46 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 1.84% 1.32% 67.39% 11.19% -8.60%
1 Day 2.66% 1.77% 58.70% 27.21% -31.00%
1 Week 1.37% 0.58% 54.35% 35.84% -33.75%
2 Weeks 2.90% 2.25% 54.35% 44.03% -39.56%
1 Month 2.56% 2.33% 51.11% 50.18% -49.76%

Next earnings: July 21, 2026 (52 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan4.4%58.3%12
Feb6.0%75.0%12
Mar-3.9%33.3%12
Apr8.6%41.7%12
May-3.1%54.5%11
Jun4.3%72.7%11
Jul7.3%54.5%11
Aug-2.8%45.5%11
Sep-5.1%36.4%11
Oct2.9%54.5%11
Nov6.3%63.6%11
Dec4.4%58.3%12

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday 0.08% 52.8% 542
Tuesday 0.03% 51.2% 598
Wednesday 0.06% 51.0% 594
Thursday 0.09% 50.1% 581
Friday 0.32% 49.7% 582

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 96.8%

Insider Transactions — Smart Summary

Total insider ownership: 4.6%

12-Month Insider Activity Summary

Total Filings28
Net Value-$36.5M
Net Shares Change-99,164
% of Float-0.4%
C-Suite Filings23
Clusters Detected2

Key Insiders

NameTitleNet ValueFilingsActivity
Fisher David Executive Chairman -$8.8M 2 2 sell
Gray James A -$5.2M 2 2 sell
Cunningham Steven E Chief Executive Officer -$3.4M 3 3 sell
Rahilly Sean General Counsel and Secretary -$1.8M 1 1 sell
GOODYEAR WILLIAM M -$1.0M 1 1 sell
RICE LINDA JOHNSON +$197,110.07 1 1 buy

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-07-31 – 2025-08-14 3 3 -$3.9M 3 C-suite
2026-01-28 – 2026-02-04 6 5 -$17.0M 4 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-05-11 Fisher David Executive Chairman -$3.5M Transaction at $173.18, now -8.2%
2026-04-30 Cunningham Steven E Chief Executive Officer -$1.3M Transaction at $103.74, now +53.2%
2026-05-20 GOODYEAR WILLIAM M -$1.0M Transaction at $166.08, now -4.3%
2026-03-20 Cunningham Steven E Chief Executive Officer -$498,394 Transaction at $165.25, now -3.8%
2026-03-20 Gray James A -$1.7M Transaction at $172.22, now -7.7%
2025-09-12 RICE LINDA JOHNSON +$197,110.07 Transaction at $115.95, now +37.0%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Enova International Inc (ENVA) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for ENVA on Trend Edge →