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ENVA

Enova InternationalD
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q3 originations and receivables growth, a 61% net revenue margin, improved year-over-year charge-offs and $1.3 billion of liquidity support the operating case. TD Cowen reportedly maintained Buy and raised its target from $220 to $224 on October 23, but one revision does not establish a broad post-print upgrade cycle.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.2.
What can break
Credit losses or fair-value assumptions could deteriorate as the $5.9 billion receivables portfolio seasons. [#SEC-8K-2026-10-22]
Momentum
23
Value
57
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $160.00 · Bull $205.00 · Bear $120.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $230.83
Why
Momentum23 · Δ7d +6.2
Value57 · Δ7d +0.2
Sentiment48 · Δ7d +6.1
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.2.

Contradictions & invalidation

  • • Credit losses or fair-value assumptions could deteriorate as the $5.9 billion receivables portfolio seasons. [#SEC-8K-2026-10-22]
  • • Growth depends on continued funding access and economics without the terminated Grasshopper bank acquisition. [#8-K-2026-10-16]
  • • The modest reported consensus beat did not prevent a 6.6% next-day share decline.

Catalyst clock

2026-11-30

Q3 earnings beat meets a negative share-price reaction

Lead driver: Value · See fundamentals
Momentum
23
8% active weight
Current posture
7d trendImproving
Δ7d
+6.2
Δ21d
+19.0
Value
57
47% active weight
Current posture
7d trendFlat
Δ7d
+0.2
Δ21d
+1.4
Sentiment
48
45% active weight
Current posture
7d trendImproving
Δ7d
+6.1
Δ21d
-51.8
Why this grade

Composite grade D. Momentum 22.6 / Value 56.7 / Sentiment 47.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method

B+
Bull case
20%
Probability
Target price
$205.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Most likely
B
Base case
40%
Probability
Target price
$160.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
40%
Probability
Target price
$120.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.11B
Beta
1.25
Shares Out
24.9M
P/E (TTM)
14.9
P/S (TTM)
2.62
P/FCF (TTM)
2.68
Rev YoY
+21.6%
EPS YoY
+39.9%
Gross Margin
+47.4%
Op Margin
+24.1%
Net Debt
$4.16B
Current Ratio
20.20
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data