Enova International, Inc.
ENVAFinancial ServicesNASDAQCredit Services · Last scanned Sep 8, 2026
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Daily timeframeEnova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. Valued at $5.74B, ENVA is a mid-cap name in its sector. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.
Market Cap
$5.74B
Beta
1.21
P/E (TTM)
17.12
P/E (Fwd)
11.20
EPS (TTM)
$13.47
EPS (Fwd)
$20.59
ROE
26.1%
ROA
5.5%
Cash
$135.3M
Total Debt
$5.05B
Free CF
—
52W Change
96.7%
Annual Financials
Cash vs Debt
Where ENVA stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, ENVA finished 22.40% above its 150-day moving average ($185.37) and 28.64% above its 200-day moving average ($176.38). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is ENVA overbought or oversold?
At the September 3, 2026 close, ENVA's RSI(14) was 26.8, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Enova International, Inc. carries $5.05B in total debt against $135.3M in cash reserves — debt is roughly 37.3x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 26.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 5.5% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $1.74B (2022) to $3.15B (2025), reflecting a 82% increase over the period.
Enova International, Inc. carries a heavier debt load relative to its cash position, which introduces financial risk that investors should weigh. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Enova International, Inc. and its sector.