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ENVA

Enova InternationalB
NYSE / Financial Services
Last Price
At close
2026-07-18
View Chart
Current thesis
Improving loss rates, stable funding, and successful partnership scaling could re-rate the stock toward higher analyst targets, but near-term upside is modest from current levels.
Posture
Constructive
Lead driver
Momentum
What changed
Next scheduled catalyst: earnings 2026-07-23 · AMC.
What can break
Execution risk on new product partnerships
Momentum
97
Value
54
Sentiment
35
Setup hits (3d)
— · Net —
AI TargetsBase $160.00 · Bull $215.00 · Bear $120.00
Earnings
2026-07-23 · AMC
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-28 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net —
Target $250.71
Why
Momentum97 · Δ7d -0.8
Value54 · Δ7d +0.4
Sentiment35 · Δ7d -0.3
So what
Strength-led posture. Favor watchlist adds and disciplined entries.
Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits
Lead driver: Momentum · See technicals
Momentum
97
26% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
+5.5
Value
54
39% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+1.1
Sentiment
35
34% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-2.0
Why this grade

Composite grade B. Momentum 96.8 / Value 54.0 / Sentiment 34.9

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$5.79B
Beta
1.25
Shares Out
24.88M
P/E (TTM)
14.9
P/S (TTM)
2.62
P/FCF (TTM)
2.68
Rev YoY
+17.4%
EPS YoY
+28.5%
Gross Margin
+47.4%
Op Margin
+40.6%
Net Debt
$4.16B
Current Ratio
22.77
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology