Enova International, Inc.(ENVA)Stock Analysis
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Rank #97 of 2,879 stocksTOP 5%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
ENVA Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Enova International, Inc. (ENVA), a Financials sector company. 13F Pro's AI-powered ranking engine scores ENVA at 76.8/100 on a 32-signal composite quality model, placing it at rank #97 of 2,879 stocks — the top 5% of the AI-ranked universe. ENVA scores in the top quartile across free cash flow (93.5), revenue growth (82.3), institutional flow (79.4). Based on the latest XBRL financial filings (Q1 2026), Enova International, Inc. reports quarterly revenue of $875.1M, net income of $91.1M, free cash flow of $463.8M. Top institutional holders of ENVA by reported 13-F value include BlackRock,, VANGUARD CAPITAL MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. ENVA trades on the NYSE exchange and files with the SEC under CIK 1529864. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ENVA daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Enova International, Inc. directly from SEC EDGAR. Enova International, Inc.'s 13F Pro composite quality score has ranged between 61 and 77 since 2021, currently 76.8 — an improving long-term trajectory across 30 quarterly and live scoring snapshots.
What's Driving ENVA's Business? Latest 10-Q Breakdown
AI-extracted from Enova International, Inc.'s 10-Q filed 2026-04-23 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Q1 revenue grew 17.4% YoY to $875.1M, driven by 37.1% surge in small business lending and portfolio expansion; net income rose 24.9% to $91.1M.
Biggest Revenue Drivers
Total revenue: $875.1M+17.4% YoY
Growth in overall portfolio as originations outpaced repayments; balance increased 38.6% YoY.
Growth in overall portfolio driven primarily by originations outpacing repayments.
Largest Expense Items
Higher variable costs including underwriting, personnel costs, and selling expenses from increased originations and portfolio size.
Average debt increased $1,000.1M (+27.2% YoY) to $4,680.8M; weighted average rate decreased to 8.18% from 8.91%.
Margins: Net revenue margin expanded to 60.4% from 57.2% YoY, driven by lower charge-offs and improved portfolio credit quality. Operating income grew 20.5% to $207.1M as revenue growth outpaced operating expense increases as a percentage of revenue.
Watch Items from the Filing
- Grasshopper Bank acquisition ($369M) pending regulatory approval; management focus diverted during integration; $2.7M integration costs already incurred in Q1.
- >30 days delinquency increased to 7.4% of combined portfolio from 6.7% sequential quarter; small business delinquency at 7.1% up from 6.2% YoY.
- Consumer loans >90 days past due fair value increased to $49.5M from $30.9M YoY; credit performance deterioration observed despite lower charge-off rates.
- Total debt increased to $4,832.5M from $4,498.4M sequential quarter; no recourse debt matures until December 2028; $654.3M unfunded securitization capacity.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q1 2026
$875.1M
Net Income
Q1 2026
$91.1M
Free Cash Flow
Q1 2026
$463.8M
ROIC
Q1 2026
3.3%
D/E Ratio
Q1 2026
3.45
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+22.0% YoYNet Income
-15.6% YoYOperating Income
+9.9% YoYEPS (Diluted)
-11.3% YoYTotal Assets
+21.3% YoYTotal Debt
+30.3% YoYOp. Cash Flow
+30.5% YoY| Metric | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 |
|---|---|---|---|---|---|---|
| Revenue | $2.12B +22.0% | $1.74B +43.7% | $1.21B +11.5% | $1.08B -7.8% | $1.17B +20.8% | $972.6M |
| Net Income | $175.1M -15.6% | $207.4M -19.1% | $256.3M -32.2% | $377.8M +932.0% | $36.6M -47.8% | $70.1M |
| Operating Income | $422.1M +9.9% | $384.0M -7.0% | $413.1M +15.4% | $357.8M +44.2% | $248.2M +41.4% | $175.5M |
| EPS (Diluted) | $5.49 -11.3% | $6.19 -8.8% | $6.79 -42.0% | $11.70 +1003.8% | $1.06 -46.7% | $1.99 |
| Total Assets | $4.59B +21.3% | $3.78B +36.9% | $2.76B +31.0% | $2.11B +33.9% | $1.57B +18.0% | $1.33B |
| Total Debt | $2.94B +30.3% | $2.26B +63.2% | $1.38B +46.3% | $946.5M -4.5% | $991.2M +15.5% | $857.9M |
| Operating Cash Flow | $1.17B +30.5% | $894.0M +89.5% | $471.9M -36.3% | $740.9M -12.7% | $848.6M +23.9% | $684.8M |
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Top Institutional Holders of ENVA
BlackRock, Inc.
$551.5M4,060,393 shVANGUARD CAPITAL MANAGEMENT LLC
$144.7M1,065,137 shDIMENSIONAL FUND ADVISORS LP
$143.5M1,056,714 shSTATE STREET CORP
$131.1M965,003 shInvesco Ltd.
$120.6M888,187 shVANGUARD PORTFOLIO MANAGEMENT LLC
$117.7M866,450 shRENAISSANCE TECHNOLOGIES LLC
$101.9M750,094 shGEODE CAPITAL MANAGEMENT, LLC
$90.8M668,625 shFMR LLC
$82.0M603,554 shFRANKLIN RESOURCES INC
$77.1M567,830 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $551.5M | 4,060,393 |
| VANGUARD CAPITAL MANAGEMENT LLC | $144.7M | 1,065,137 |
| DIMENSIONAL FUND ADVISORS LP | $143.5M | 1,056,714 |
| STATE STREET CORP | $131.1M | 965,003 |
| Invesco Ltd. | $120.6M | 888,187 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $117.7M | 866,450 |
| RENAISSANCE TECHNOLOGIES LLC | $101.9M | 750,094 |
| GEODE CAPITAL MANAGEMENT, LLC | $90.8M | 668,625 |
| FMR LLC | $82.0M | 603,554 |
| FRANKLIN RESOURCES INC | $77.1M | 567,830 |
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Popular Research
Is ENVA a good stock to buy?
13F Pro's AI-powered analysis of Enova International, Inc. (ENVA) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ENVA are available on the ENVA stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own ENVA?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ENVA. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Enova International, Inc.'s investment landscape.