Enova International Inc. Common Stock (ENVA)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at Enova as a lender dressed in technology clothing. The business description says it provides online consumer and small-business installment loans and lines of credit, plus CSO and bank programs, largely in the U.S. and Brazil. The filed results show real momentum: in fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $928.9 million, net income $105.1 million, and diluted EPS $4.00, versus fiscal Q2 2025 revenue of $764.0 million, net income $76.1 million, and diluted EPS $2.86. For FY2025, revenue was $3.2 billion, net income $308.4 million, and diluted EPS $11.52, up from FY2024 diluted EPS of $7.43. So recent growth is not the problem. But Graham would ask what lies underneath. FairStock's price-based metrics on the 2026-10-13 close of $174.99 show a P/E of 13.01, P/B of 2.91, and a Graham Number of $134.93, meaning the price is about 29.7% above that conservative value estimate. ROE is 26.08%, but ROCE is only 5.49%, and D/E is 3.37, so leverage is flattering returns. The Piotroski F-Score is 9/9, but the Altman Z-Score is 2.14, not a fortress balance sheet. FairStock's Lynch category calls it a slow grower with five-year profit shrinking 4.0% a year, despite revenue growth of 23.8%. That tension matters. A PEG of 0.34 and trailing FCF yield of 44.8% look cheap, but credit businesses can report strong cash flow before credit losses bite. I would want a wider margin of safety, especially with beta 1.21 and a 52-week range of $106.46 to $267.45.

In plain English: Enova International provides online loans and credit services to consumers and small businesses, mostly in the United States and Brazil. The latest reported quarters show more revenue and profit than a year earlier, and the company generates a lot of cash relative to its market value. The shares look reasonably priced against current profits but sit above a simple estimate of what its assets and earnings alone might justify, so this is not an obvious bargain and carries real credit and debt risks.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer