What is the 13F Pro Quality Score for ENVA?

13F Pro ranks Enova International, Inc. (ENVA) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ENVA's current score at https://13fpro.ai/company/ENVA (free sign-up required for the full ranking).

Which hedge funds own the most ENVA stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of ENVA include BlackRock,, VANGUARD CAPITAL MANAGEMENT, STATE STREET. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/ENVA as soon as new 13F filings post.

Where does 13F Pro source ENVA data?

All Enova International, Inc. fundamentals and ownership data come directly from SEC EDGAR. Enova International, Inc. files with the SEC under CIK 1529864. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ENVA in?

Enova International, Inc. (ENVA) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What are ENVA's largest expenses?

Enova International, Inc.'s latest 10-Q reports these as the largest expense items: Change in fair value ($360.9M, +11.9% YoY); Marketing ($203.6M); Interest expense, net ($97.8M, +18.2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is ENVA research updated on 13F Pro?

ENVA's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Enova International, Inc.(ENVA)Stock Analysis

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Financials →NYSEmid

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SEC EDGAR: CIK 1529864 ENVA stock profile & AI dashboard →

13F Pro Quality Score

69.9/100

Rank #241 of 2,961 stocksTOP 10%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

82.6/100

Profitability

66.5/100

Balance Sheet

71.7/100

Earnings Quality

96.7/100

Free Cash Flow

96.6/100

Institutional Flow

18.7/100

Revenue Scale

72.4/100

Dilution Risk

55.8/100

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Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

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Why ENVA Scores 70/100

exact factor attribution · 2026-09-11

ENVA's composite is driven by revenue growth and free cash flow, held back by institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+8.7 pts

83th pct

Free cash flow

+7.0 pts

97th pct

Earnings quality

+4.7 pts

97th pct

Scale

+4.5 pts

72th pct

Profitability

+3.3 pts

67th pct

Capital efficiency

+2.9 pts

72th pct

Earnings growth

+2.2 pts

83th pct

Shareholder dilution

+0.4 pts

56th pct

Institutional flow

-2.1 pts

19th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ENVA Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 69.9/100 on a 32-signal composite quality model, placing it at rank #241 of 2,961 stocks — the top 10% of the AI-ranked universe. ENVA scores in the top quartile across earnings quality (96.7), free cash flow (96.6), revenue growth (82.6). Areas of concern include institutional flow (18.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Enova International, Inc. reports quarterly revenue of $928.9M, net income of $105.1M, free cash flow of $531.4M. Top institutional holders of ENVA by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, STATE STREET, 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 74 since 2021, currently 69.9 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

Fun facts about Enova International, Inc.

Quirks, history, and lore behind ENVA — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · listed on the NYSE · headquartered in Chicago, Illinois · serves non-prime consumers and small businesses.
2
The Numbers
Annual revenue in the range of $500–600 million, with a loan portfolio in the billions — built entirely on borrowers that big banks politely decline to call back.
3
The History
Spun off from Cash America International in 2014, it inherited a tech-forward approach to online consumer lending that was already years in the making.
4
The Secret
It lives entirely in the digital lending space — no storefronts, no tellers, just algorithms deciding whether to lend you money at triple-digit APRs.
5
The Lore
Its brands include NetCredit and CashNetUSA — names you've probably seen in a browser ad at a financially stressful moment at 11 p.m. on a Tuesday.
6
The Giveaway
Ticker ENVA, parent of CashNetUSA and NetCredit — the Chicago fintech that turned subprime online loans into a publicly traded business.

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What's Driving ENVA's Business? Latest 10-Q Breakdown

✓ 39/39 datapoints verified

AI-extracted from Enova International, Inc.'s 10-Q filed 2026-07-23 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Revenue rose 21.6% to $928.9 million as small business lending revenue grew 34.6%, lifting net income 38.0% to $105.1 million.

Biggest Revenue Drivers

Consumer loans and finance receivables revenue$477.4M+11.5% YoY

Increase driven primarily by growth in the overall portfolio

Small business loans and finance receivables revenue$439.3M+34.6% YoY

Higher levels of originations have led to higher loan balances

Biggest Revenue Drivers

Total revenue: $928.9M+21.6% YoY

Consumer loans and finance receivables revenue$477.4M+11.5% YoY

Increase driven primarily by growth in the overall portfolio

Within Consumer loans and finance receivables revenue

United States$903.6M

Domestic operations across consumer and small business products

Small business loans and finance receivables revenue$439.3M+34.6% YoY

Higher levels of originations have led to higher loan balances

Other$12.2M+29.3% YoY

Largest Expense Items

Change in fair value$360.9M+11.9% YoY

Reflects net charge-offs of $392.1 million partly offset by a $33.3 million net fair value gain

Marketing$203.6M

Higher online advertising to capture market demand and higher commissionable small business originations

Interest expense, net$97.8M+18.2% YoY

Average debt outstanding rose 27.8% to $4,884.6 million, partly offset by lower weighted average rate of 8.10%

Operations and technology$74.9M

Higher underwriting, computer and software maintenance and personnel costs from larger portfolio

Margins: Consolidated net revenue margin improved to 61.2% from 57.8%, with consumer margin at 57.3% on lower charge-offs and delinquencies, while small business margin eased to 64.7%, slightly below the prior four quarters.

Watch Items from the Filing

Small business loans over 30 days delinquent rose to 7.4% from 6.6% a year ago and 7.1% at March 31, 2026; charge-offs 4.8% of average balance.
Fair value of loans 90 days or more past due doubled to $66.0 million from $31.3 million a year ago; $54.3 million in non-accrual status.
Small business is now 68.6% of the combined portfolio at fair value versus 64.7% a year ago, shifting mix away from consumer.
Pending $369 million Grasshopper Bancorp acquisition still awaits OCC and Federal Reserve approval; expected to close in the second half of 2026.
Long-term debt reached $5,013.9 million versus $3,963.5 million a year ago; aggregate remaining funding capacity was $450.6 million at June 30, 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$928.9M

Net Income

Q2 2026

$105.1M

Free Cash Flow

Q2 2026

$531.4M

ROIC

Q2 2026

14.6%

D/E Ratio

Q2 2026

3.35

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+18.6% YoY

$3.15BFY 2025

FY22 $1.74BFY23 $2.12BFY24 $2.66BFY25 $3.15B

Net Income

+47.2% YoY

$308.4MFY 2025

FY22 $207.4MFY23 $175.1MFY24 $209.4MFY25 $308.4M

Operating Income

+26.5% YoY

$739.4MFY 2025

FY22 $384.0MFY23 $422.1MFY24 $584.8MFY25 $739.4M

EPS (Diluted)

+55.0% YoY

$11.52FY 2025

FY22 $6.19FY23 $5.49FY24 $7.43FY25 $11.52

Total Assets

+22.8% YoY

$6.47BFY 2025

FY22 $3.78BFY23 $4.59BFY24 $5.27BFY25 $6.47B

Total Debt

+26.2% YoY

$4.50BFY 2025

FY22 $2.26BFY23 $2.94BFY24 $3.56BFY25 $4.50B

Op. Cash Flow

+18.2% YoY

$1.82BFY 2025

FY22 $894.0MFY23 $1.17BFY24 $1.54BFY25 $1.82B

Free Cash Flow

+18.5% YoY

$1.77BFY 2025

FY22 $850.4MFY23 $1.12BFY24 $1.50BFY25 $1.77B

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$3.15B +18.6%	$2.66B +25.5%	$2.12B +22.0%	$1.74B +43.7%	$1.21B +11.5%	$1.08B
Net Income	$308.4M +47.2%	$209.4M +19.6%	$175.1M -15.6%	$207.4M -19.1%	$256.3M -32.2%	$377.8M
Operating Income	$739.4M +26.5%	$584.8M +38.5%	$422.1M +9.9%	$384.0M -7.0%	$413.1M +15.4%	$357.8M
EPS (Diluted)	$11.52 +55.0%	$7.43 +35.3%	$5.49 -11.3%	$6.19 -8.8%	$6.79 -42.0%	$11.70
Total Assets	$6.47B +22.8%	$5.27B +14.8%	$4.59B +21.3%	$3.78B +36.9%	$2.76B +31.0%	$2.11B
Total Debt	$4.50B +26.2%	$3.56B +21.1%	$2.94B +30.3%	$2.26B +63.2%	$1.38B +46.3%	$946.5M
Operating Cash Flow	$1.82B +18.2%	$1.54B +31.9%	$1.17B +30.5%	$894.0M +89.5%	$471.9M -36.3%	$740.9M
Free Cash Flow	$1.77B +18.5%	$1.50B +33.3%	$1.12B +31.9%	$850.4M +92.3%	$442.2M -37.8%	$711.4M

AI Insight: ENVA Financial Trends

Enova delivered 35% revenue growth over eight quarters while operating income nearly doubled, but debt surge to $5B outpaced equity gains, raising leverage concerns.

• Revenue grew from $690M in Q3 2024 to $929M in Q2 2026, a 35% increase; operating income expanded 54% from $154M to $237M.

• Net income rose from $43M to $105M over the period, a 144% gain; operating cash flow improved from $399M to $544M.

• Total debt surged from $3,294M to $5,014M, a 52% increase; debt-to-equity ratio rose from 2.79x to 3.35x.

⚠ Leverage acceleration: debt grew 52% while equity grew only 19% over eight quarters, eroding balance sheet cushion.

⚠ Operating cash flow volatility: Q1 2026 dipped to $475M from $499M prior quarter, despite higher operating income.

AI Insight: ENVA Ratio Trends

Operating and net margins reached record highs in Q2 2026, with ROE accelerating to 28.1% and ROIC recovering to 14.6%.

• Operating margin climbed from 22.3% in Q3 2024 to 25.5% in Q2 2026, latest quarter marks all-time high.

• Net profit margin expanded from 6.3% in Q3 2024 to 11.3% in Q2 2026, nearly doubling over 18 months.

• ROE surged from 14.7% in Q3 2024 to 28.1% in Q2 2026; ROIC recovered to 14.6% after Q4 2025 dip to 12.8%.

⚠ Debt-to-equity rose from 2.79 in Q3 2024 to 3.45 in Q1 2026, highest on record; slight relief to 3.35 in Q2 2026.

⚠ Q4 2025 showed margin contraction (OpMargin fell to 22.2%, ROIC to 12.8%), signaling potential seasonality or headwinds.

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Available Research

13F Pro tracks comprehensive data for Enova International, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ENVA

BlackRock, Inc.
$1.0B4,164,846 sh
VANGUARD CAPITAL MANAGEMENT LLC
$256.1M1,063,968 sh
STATE STREET CORP
$244.3M1,014,929 sh
Invesco Ltd.
$226.6M941,183 sh
DIMENSIONAL FUND ADVISORS LP
$211.9M880,279 sh
FMR LLC
$209.1M868,413 sh
PRICE T ROWE ASSOCIATES INC /MD/
$204.5M849,347 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$200.1M831,027 sh
RENAISSANCE TECHNOLOGIES LLC
$187.1M777,294 sh
GEODE CAPITAL MANAGEMENT, LLC
$170.4M707,535 sh

Fund	Value	Shares
BlackRock, Inc.	$1.0B	4,164,846
VANGUARD CAPITAL MANAGEMENT LLC	$256.1M	1,063,968
STATE STREET CORP	$244.3M	1,014,929
Invesco Ltd.	$226.6M	941,183
DIMENSIONAL FUND ADVISORS LP	$211.9M	880,279
FMR LLC	$209.1M	868,413
PRICE T ROWE ASSOCIATES INC /MD/	$204.5M	849,347
VANGUARD PORTFOLIO MANAGEMENT LLC	$200.1M	831,027
RENAISSANCE TECHNOLOGIES LLC	$187.1M	777,294
GEODE CAPITAL MANAGEMENT, LLC	$170.4M	707,535

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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. ENVA is classified as a mid company.

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.