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

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

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 during trading hours on Thursday, hitting $168.95. The company’s stock had a trading volume of 351,325 shares, compared to its average volume of 288,153. The business has a 50 day moving average price of $143.60 and a two-hundred day moving average price of $141.69. Enova International has a 12-month low of $89.00 and a 12-month high of $176.68. The company has a market cap of $4.21 billion, a PE ratio of 14.59 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.

Insiders Place Their Bets

In other news, General Counsel Sean Rahilly sold 12,879 shares of the business’s stock in a transaction dated Friday, January 30th. The stock was sold at an average price of $164.28, for a total value of $2,115,762.12. Following the transaction, the general counsel directly owned 100,877 shares in the company, valued at $16,572,073.56. The trade was a 11.32% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink. Also, Director James A. Gray sold 19,999 shares of the business’s stock in a transaction dated Monday, February 2nd. The shares were sold at an average price of $172.04, for a total value of $3,440,627.96. The SEC filing for this sale provides additional information. Over the last ninety days, insiders sold 119,019 shares of company stock valued at $19,748,101. Insiders own 8.40% of the company’s stock.

Institutional Investors Weigh In On Enova International

Hedge funds have recently made changes to their positions in the company. EverSource Wealth Advisors LLC lifted its position in shares of Enova International by 350.0% in the second quarter. EverSource Wealth Advisors LLC now owns 450 shares of the credit services provider’s stock worth $50,000 after buying an additional 350 shares in the last quarter. Captrust Financial Advisors purchased a new stake in shares of Enova International in the fourth quarter worth about $268,000. Danske Bank A S purchased a new stake in shares of Enova International in the third quarter worth about $991,000. Horizon Investments LLC lifted its position in shares of 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 buying an additional 789 shares in the last quarter. Finally, California State Teachers Retirement System lifted its position in shares of 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 buying an additional 105 shares in the last quarter. 89.43% of the stock is currently owned by hedge funds and other institutional investors.

Analysts Set New Price Targets

ENVA has been the subject of several research analyst reports. Wall Street Zen lowered Enova International from a “strong-buy” rating to a “buy” rating in a report on Sunday, March 15th. Weiss Ratings reissued a “buy (b-)” rating on shares of Enova International in a report on Tuesday. Citizens Jmp boosted their price target on Enova International from $180.00 to $182.00 and gave the company a “market outperform” rating in a report on Wednesday, January 28th. Maxim Group set a $191.00 price target on Enova International in a report on Thursday, January 29th. Finally, TD Cowen reissued a “buy” rating on shares of Enova International in a report on Thursday, January 8th. One investment analyst has rated the stock with a Strong Buy rating and five have assigned a Buy rating to the company. According to data from MarketBeat, Enova International has a consensus rating of “Buy” and a consensus price target of $188.00.

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.