Enova International, Inc.
ENVAFinancial ServicesNASDAQCredit Services
Scan Results
Daily timeframeEnova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company carries a $4.04B market cap, placing it firmly in the mid-cap category. 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
$4.04B
Beta
1.28
P/E (TTM)
12.25
P/E (Fwd)
7.88
EPS (TTM)
$13.47
EPS (Fwd)
$20.95
ROE
26.8%
ROA
5.6%
Cash
$117.4M
Total Debt
$5.41B
Free CF
—
52W Change
36.2%
Annual Financials
Cash vs Debt
Where ENVA stands vs its 150-day and 200-day moving averages
As of the October 9, 2026 close, ENVA finished 4.75% below its 150-day moving average ($191.70) and 0.03% below its 200-day moving average ($182.65). 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 October 9, 2026 close, ENVA's RSI(14) was 60.8, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The company holds $117.4M in cash, though total debt stands at $5.41B. This level of leverage is common in the industry but worth monitoring as interest rate conditions evolve. ROE of 26.8% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 5.6% 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.
The debt-to-cash ratio suggests meaningful leverage on the balance sheet, a factor worth monitoring if credit conditions tighten. No single metric tells the full story. Reviewing ENVA's risk profile alongside its fundamentals and technical indicators provides a more complete picture.