Stocktoria
Enova International, Inc. ENVA
Enova International, Inc. (ENVA) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.13% (safety: no dividend). FY2025 revenue was $3.2B at a 9.8% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-30 | BTIG | Buy (main) |
| 2026-06-26 | Citizens | Market Outperform (main) |
| 2026-04-27 | Maxim Group | Buy (main) |
| 2026-04-24 | TD Cowen | Buy (main) |
| 2026-04-24 | Citizens | Market Outperform (main) |
| 2026-04-24 | Stephens & Co. | Overweight (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
| LPRO | Open Lending Corp | 6/9 | 0.56 | — | +288% |
All Finance, Insurance & Real Estate companies →
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 marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
FAQ
Is ENVA financially healthy?
Enova International, Inc.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does ENVA pay a dividend, and is it safe?
Yes. Enova International, Inc. pays a dividend yielding about 2.13% with a None payout ratio, rated “no dividend” for safety.
How profitable is ENVA?
In FY2025, Enova International, Inc. had a net margin of 9.8% and a return on equity of 23.1%.
Is ENVA overvalued or undervalued?
Enova International, Inc. trades at about 22.6× trailing earnings — above its 10-year norm (10-year range 1.9×–23.6×, median 13.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ENVA?
The average Wall-Street price target for Enova International, Inc. is $230.00, about 11.7% below the recent price, from 7 analysts (consensus: strong buy).
Is ENVA a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Enova International, Inc.: a Piotroski F-score of 6/9, a P/E of about 18.6×, a dividend yield of 2.13%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.