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Enova International, Inc.

ENVA Finance Finance: Consumer Services
$176.78
▼ -1.5% Today
as of Oct 22, 16:48 ET
Last 30 days -22.03% Sep 14 → Oct 22
$162.34 $179.63 $196.92 $214.20 $231.49 Sep 14 Sep 22 Sep 29 Oct 07 Oct 14 Oct 22
Open
$177.49
High
$180.89
Low
$174.92
Volume
$439,977
Avg Vol
$311,676
Mkt Cap
$4.6B
P/E (TTM)
16.96
Beta
—
52w High
$267.45
52w Low
$111.93
Div Yield
—
Shares Out
$25M

Recent Press Releases & News last 60 days · 25 items

Oct 23 · 05:06 GuruFocus.com
Enova International Inc (ENVA) Q3 2026 Earnings Call Highlights: Revenue Tops $1 Billion for ...
Oct 22 · 23:04 MarketBeat
What Enova International (ENVA) Said on Its Q3 Earnings Call
Oct 22 · 21:00 Zacks
Enova International (ENVA) Beats Q3 Earnings and Revenue Estimates
▸ Show all 25 press releases & news Free account →

ENVA earnings at a glance

The options market is pricing a move of about ±5.0% after the report, a range of roughly $167.99 to $185.57 from today's $176.78. Over its last 6 reports the stock rose the next day 3 times and fell 3, moving ±5.7% on average; after the most recent report on Jul 23, 2026 it moved +8.9%. That means options currently expect about the same movement than ENVA has typically delivered. ENVA beat the consensus EPS estimate in 6 of its last 6 reported quarters. Implied volatility is currently 42%. The share price of $176.78 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$112
$267
42% of range
Avg surprise (last 6)
+8.7%
Avg reaction (last 6)
+0.8%
50% positive
Latest IV / EM
42%
EM ±5.0% · $185 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$1.29$1.98$2.67$3.36$4.05 Actual $1.56Actual $1.50Actual $1.29Actual $1.64Actual $1.93Actual $1.57Actual $2.75Est $2.53Actual $2.95Est $2.71Actual $3.11Est $2.80Actual $3.20Est $2.94Actual $3.61Est $3.41Actual $4.05Est $3.73 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$244M$488M$732M$975M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $4.05 $3.73 +8.6% +26.4% +8.9% earnings
Thu Apr 23, 20268K 2026-04-23 $3.61 $3.41 +5.9% — -1.6% earnings
Tue Jan 27, 20268K 2026-01-27 $3.20 $2.94 +8.8% — +1.0% earnings
Thu Oct 23, 2025Sep/2025 $3.11 $2.80 +11.1% — +9.4% earnings
Thu Jul 24, 2025Jun/2025 $2.95 $2.71 +8.9% — -5.3% earnings
Tue Apr 29, 2025Mar/2025 $2.75 $2.53 +8.7% — -7.8% earnings
Mon Sep 30, 2024Sep 2024 $1.57 — — — — financials
Sun Jun 30, 2024Jun 2024 $1.93 — — — — financials
Sun Mar 31, 2024Mar 2024 $1.64 — — — — financials
Sat Sep 30, 2023Sep 2023 $1.29 — — — — financials
Fri Jun 30, 2023Jun 2023 $1.50 — — — — financials
Fri Mar 31, 2023Mar 2023 $1.56 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$929M$875M—$803M$764M$746M—$690M
Cost of revenue————————
Gross profit$568M$529M—$461M$441M$426M—$400M
Operating income$237M$207M—$197M$184M$172M—$154M
Net income$105M$91M—$80M$76M$73M—$43M
EPS (diluted)$4.00$3.46—$3.03$2.86$2.69—$1.57

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$122M$96M$72M$54M$56M$56M$74M$68M
Inventory————————
Total current assets————————
Total assets$7.22B$6.88B$6.47B$5.96B$5.72B$5.46B$5.27B$4.98B
Long-term debt$5.01B$4.83B$4.50B$4.11B$3.96B$3.76B—$3.29B
Total liabilities$5.73B$5.48B$5.13B$4.68B$4.50B$4.26B$4.07B$3.80B
Total equity$1.50B$1.40B$1.34B$1.28B$1.23B$1.20B$1.20B$1.18B

Implied volatility — last 90 days

35%52%69%85%102% Jun 07 — IV 44% · EM ±6.1%Jun 08 — IV 43% · EM ±5.7%Jun 09 — IV 42% · EM ±5.3%Jun 10 — IV 43% · EM ±5.0%Jun 11 — IV 44% · EM ±4.8%Jun 12 — IV 41% · EM ±4.2%Jun 15 — IV 51% · EM ±3.7%Jun 16 — IV 52% · EM ±3.0%Jun 17 — IV 103% · EM ±4.3%Jun 19 — IV 38% · EM ±8.3%Jun 22 — IV 41% · EM ±8.5%Jun 23 — IV 41% · EM ±8.3%Jun 24 — IV 42% · EM ±8.3%Jun 25 — IV 39% · EM ±7.7%Jun 26 — IV 40% · EM ±7.6%Jun 29 — IV 41% · EM ±7.2%Jun 30 — IV 40% · EM ±6.9%Jul 01 — IV 42% · EM ±6.9%Jul 02 — IV 43% · EM ±7.0%Jul 03 — IV 45% · EM ±7.0%Jul 06 — IV 50% · EM ±6.9%Jul 07 — IV 46% · EM ±6.1%Jul 08 — IV 50% · EM ±6.3%Jul 09 — IV 46% · EM ±5.4%Jul 10 — IV 44% · EM ±4.9%Jul 13 — IV 53% · EM ±4.4%Jul 14 — IV 53% · EM ±3.8%Jul 15 — IV 62% · EM ±3.6%Jul 16 — IV 77% · EM ±3.2%Jul 20 — IV 59% · EM ±13.9%Jul 21 — IV 60% · EM ±14.0%Jul 22 — IV 60% · EM ±13.8%Jul 23 — IV 60% · EM ±13.6%Jul 24 — IV 49% · EM ±10.7%Jul 27 — IV 51% · EM ±10.7%Jul 28 — IV 50% · EM ±10.3%Jul 29 — IV 51% · EM ±10.2%Jul 30 — IV 48% · EM ±9.4%Jul 31 — IV 48% · EM ±9.2%Aug 03 — IV 48% · EM ±8.5%Aug 04 — IV 48% · EM ±8.3%Aug 05 — IV 46% · EM ±7.7%Aug 06 — IV 46% · EM ±7.5%Aug 07 — IV 43% · EM ±6.7%Aug 10 — IV 45% · EM ±6.2%Aug 11 — IV 44% · EM ±5.8%Aug 12 — IV 42% · EM ±5.2%Aug 13 — IV 40% · EM ±4.7%Aug 14 — IV 36% · EM ±4.0%Aug 17 — IV 46% · EM ±3.8%Aug 18 — IV 45% · EM ±3.3%Aug 19 — IV 64% · EM ±3.8%Aug 20 — IV 65% · EM ±2.7%Aug 24 — IV 40% · EM ±8.4%Aug 25 — IV 41% · EM ±8.3%Aug 26 — IV 40% · EM ±8.1%Aug 27 — IV 39% · EM ±7.7%Aug 28 — IV 40% · EM ±7.7%Aug 31 — IV 41% · EM ±7.2%Sep 01 — IV 39% · EM ±6.7%Sep 02 — IV 39% · EM ±6.6%Sep 03 — IV 41% · EM ±6.6%Sep 04 — IV 39% · EM ±6.2%Sep 07 — IV 44% · EM ±6.2%Sep 08 — IV 42% · EM ±5.6%Sep 09 — IV 45% · EM ±5.6%Sep 10 — IV 43% · EM ±5.1%Sep 11 — IV 43% · EM ±4.7%Sep 14 — IV 66% · EM ±5.5%Sep 15 — IV 67% · EM ±4.9%Sep 16 — IV 55% · EM ±3.3%Sep 17 — IV 57% · EM ±2.4%Sep 21 — IV 39% · EM ±8.2%Sep 22 — IV 38% · EM ±7.9%Sep 23 — IV 40% · EM ±8.1%Sep 24 — IV 40% · EM ±7.8%Sep 25 — IV 37% · EM ±7.0%Sep 28 — IV 41% · EM ±7.2%Sep 29 — IV 40% · EM ±6.9%Sep 30 — IV 41% · EM ±6.9%Oct 01 — IV 36% · EM ±5.8%Oct 02 — IV 36% · EM ±5.6%Oct 06 — IV 42% · EM ±5.6%Oct 07 — IV 40% · EM ±5.1%Oct 08 — IV 42% · EM ±5.0%

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ENVA earnings FAQ

What is ENVA's expected move for earnings?

Options currently price a move of about ±5.0%, or $8.79 per share either way from $176.78.

How does ENVA stock usually react to earnings?

Across the last 6 reports the average next-day move was ±5.7%, up 3 times and down 3 times.

What is ENVA's implied volatility?

ENVA's at-the-money implied volatility is about 42% based on the latest options snapshot.

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