ENVA
Enova International, Inc.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
+6/100
Last price
182.88
▲ 4.88 (2.74%)
MARKET · —
Price
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Intraday intervals only cover recent history. The site picks the finest interval the range allows.
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Tool
1D
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Open
—
Prev close
178.00
Day high
183.04
Day low
178.56
Volume
323.67K
Market cap
$4.55B
P/E (TTM)
13.58
52W range
103.02 – 267.45
Trailing performance
Returnvs SPY
1W
+8.91%
+7.0%
1M
-20.69%
-21.8%
3M
-18.68%
-23.2%
6M
+30.83%
+12.7%
YTD
+16.34%
+2.1%
1Y
+61.47%
+45.0%
3Y
+259.50%
+177.3%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on ENVA open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-40.08K
Net selling
Buy transactions
17
135.92K shares
Sell transactions
12
176.00K shares
Net transactions
+29
Buys less sells
Sell : buy shares
1.3 : 1
Mixed
Insider-held shares
1.13M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 17, 26 | FISHER DAVID J.D. Officer and Director |
CONVERSION | 20.75K | $430.15K | Direct |
| Sep 17, 26 | FISHER DAVID J.D. Officer and Director |
SELL | 20.75K | $3.70M | Direct |
| Aug 26, 26 | FISHER DAVID J.D. Officer and Director |
CONVERSION | 18.57K | $384.94K | Direct |
| Aug 26, 26 | FISHER DAVID J.D. Officer and Director |
SELL | 18.57K | $4.49M | Direct |
| Aug 5, 26 | VELTRE MARIA Director |
STOCK | 772 | $0 | Direct |
| Jul 15, 26 | FISHER DAVID J.D. Officer and Director |
CONVERSION | 28.50K | $590.80K | Direct |
| Jul 15, 26 | FISHER DAVID J.D. Officer and Director |
SELL | 28.50K | $6.60M | Direct |
| Jun 18, 26 | TEBBE MARK A Director |
SELL | 20.00K | $4.03M | Direct |
| Jun 17, 26 | FISHER DAVID J.D. Officer and Director |
CONVERSION | 33.06K | $685.33K | Direct |
| Jun 17, 26 | FISHER DAVID J.D. Officer and Director |
SELL | 33.06K | $6.58M | Direct |
| Jun 16, 26 | GOODYEAR WILLIAM M Director |
SELL | 3.50K | $658.05K | Direct |
| Jun 12, 26 | GOODYEAR WILLIAM M Director |
STOCK | 8.44K | $0 | Direct |
| Jun 1, 26 | GOODYEAR WILLIAM M Director |
SELL | 5.98K | $976.00K | Direct |
| May 29, 26 | RICE LINDA JOHNSON Director |
SELL | 1.30K | $209.56K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CARNAHAN ELLEN |
Director | 64.29K | Stock Award(Grant) |
CHARTIER KIRK LF |
Officer | 104.97K | Stock Award(Grant) |
CUNNINGHAM STEVEN E. |
Chief Executive Officer | 122.94K | Conversion of Exercise of derivative security |
FEEHAN DANIEL R |
Director | 287.68K | Stock Award(Grant) |
FISHER DAVID J.D. |
Officer and Director | 306.44K | Conversion of Exercise of derivative security |
GOODYEAR WILLIAM M |
Director | 50.82K | Sale |
GRAY JAMES A |
Director | 80.03K | Stock Award(Grant) |
MCGOWAN MARK P. |
Director | 68.61K | Stock Award(Grant) |
RAHILLY SEAN |
General Counsel | 97.95K | Stock Award(Grant) |
TEBBE MARK A |
Director | 50.03K | Sale |
Fundamentals
Market cap$4.55B
Enterprise value$9.46B
Revenue (TTM)$1.69B
Gross profit$1.41B
EBITDA—
Net income$355.45M
EPS (TTM)$13.47
Free cash flow—
Total cash$135.27M
Total debt$5.05B
Book value / share$60.16
Shares outstanding24.90M
Float23.81M
Short % of float10.24%
Dividend yield0.00%
Beta (5Y)1.28
Valuation & profitability ratios
Trailing P/E13.58
Forward P/E8.73
PEG ratio—
Price / sales—
Price / book3.04
EV / revenue5.59
EV / EBITDA—
Gross margin83.29%
Operating margin29.94%
Profit margin21.01%
Return on equity26.08%
Return on assets5.49%
Debt / equity337.02
Current ratio20.15
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $3.15B | $2.66B | $2.12B | $1.74B | — | +18.6% |
| Operating revenue | $3.11B | $2.62B | $2.09B | $1.71B | — | +18.7% |
| Cost of revenue | $1.66B | $1.42B | $1.08B | $734.41M | — | +17.1% |
| Gross profit | $1.49B | $1.24B | $1.04B | $1.00B | — | +20.3% |
| Selling, general & admin | $784.20M | $680.09M | $574.73M | $523.04M | — | +15.3% |
| Total operating expense | $1.08B | $944.69M | $807.79M | $733.57M | — | +14.8% |
| Operating income | $406.73M | $294.32M | $227.36M | $268.11M | — | +38.2% |
| Net interest income | — | — | — | -$115.89M | -$76.51M | — |
| Pre-tax income | $401.03M | $271.10M | $227.25M | $272.57M | — | +47.9% |
| Tax provision | $92.64M | $61.65M | $52.13M | $65.15M | — | +50.3% |
| Net income | $308.39M | $209.45M | $175.12M | $207.42M | — | +47.2% |
| Net income to common | $308.39M | $209.45M | $175.12M | $207.42M | — | +47.2% |
| Basic EPS | 12.25 | 7.78 | 5.71 | 6.42 | — | +57.5% |
| Diluted EPS | 11.52 | 7.43 | 5.49 | 6.19 | — | +55.0% |
| EBIT | $406.73M | $294.32M | $227.36M | $268.11M | — | +38.2% |
| EBITDA | $448.56M | $334.52M | $265.51M | $304.97M | — | +34.1% |
| Basic shares | 25.17M | 26.92M | 30.67M | 32.29M | — | -6.5% |
| Diluted shares | 26.77M | 28.20M | 31.92M | 33.48M | — | -5.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $71.71M | $73.91M | $54.36M | $100.17M | — | -3.0% |
| Cash & short-term investments | $71.71M | $73.91M | $54.36M | $100.17M | — | -3.0% |
| Accounts receivable | — | — | — | — | $1.96B | — |
| Total current assets | $6.00B | $4.81B | $4.12B | $3.31B | — | +24.7% |
| Property, plant & equipment | $149.12M | $138.16M | $122.96M | $112.58M | — | +7.9% |
| Goodwill & intangibles | $282.94M | $290.23M | $298.28M | $306.67M | — | -2.5% |
| Total assets | $6.47B | $5.27B | $4.59B | $3.78B | — | +22.8% |
| Total current liabilities | $395.85M | $249.97M | $261.16M | $198.32M | — | +58.4% |
| Current debt | $90.00M | $233.33M | — | — | — | -61.4% |
| Long-term debt | $4.41B | $3.56B | $2.94B | $2.26B | — | +23.7% |
| Total debt | $4.53B | $3.60B | $2.97B | $2.29B | — | +26.0% |
| Total liabilities | $5.13B | $4.07B | $3.35B | $2.59B | — | +26.1% |
| Retained earnings | $2.01B | $1.70B | $1.49B | $1.31B | — | +18.2% |
| Shareholder equity | $1.34B | $1.20B | $1.24B | $1.19B | — | +11.7% |
| Working capital | $5.61B | $4.56B | $3.86B | $3.11B | — | +22.8% |
| Net tangible assets | $1.05B | $906.70M | $941.90M | $879.48M | — | +16.2% |
| Shares issued | 47.44M | 46.52M | 45.34M | 44.33M | — | +2.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $308.39M | $209.45M | $175.12M | $207.42M | +47.2% |
| Depreciation & amortisation | $41.83M | $40.21M | $38.16M | $36.87M | +4.0% |
| Stock-based compensation | $33.10M | $31.82M | $26.74M | $21.95M | +4.0% |
| Change in working capital | $32.72M | -$14.03M | $30.01M | -$8.59M | +333.2% |
| Operating cash flow | $1.82B | $1.54B | $1.17B | $894.00M | +18.2% |
| Capital expenditure | -$47.14M | -$43.42M | -$45.24M | -$43.63M | -8.6% |
| Investing cash flow | -$2.45B | -$1.91B | -$1.49B | -$1.67B | -28.0% |
| Share buybacks | -$214.59M | -$289.29M | -$153.19M | -$143.07M | +25.8% |
| Financing cash flow | $711.82M | $318.88M | $526.54M | $724.87M | +123.2% |
| Free cash flow | $1.77B | $1.50B | $1.12B | $850.37M | +18.5% |
| End cash position | $407.86M | $322.67M | $377.44M | $178.40M | +26.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $928.93M | $875.14M | $839.39M | $802.68M | $764.04M | +6.1% |
| Operating revenue | $916.69M | $863.31M | $828.58M | $791.72M | $754.58M | +6.2% |
| Cost of revenue | $458.68M | $440.23M | $426.52M | $428.93M | $405.37M | +4.2% |
| Gross profit | $470.25M | $434.91M | $412.87M | $373.75M | $358.68M | +8.1% |
| Selling, general & admin | $247.64M | $237.19M | $232.08M | $187.01M | $183.36M | +4.4% |
| Total operating expense | $330.92M | $321.85M | $308.65M | $263.93M | $257.35M | +2.8% |
| Operating income | $139.33M | $113.06M | $104.22M | $109.82M | $101.33M | +23.2% |
| Pre-tax income | $140.11M | $112.86M | $98.78M | $110.17M | $101.05M | +24.1% |
| Tax provision | $35.05M | $21.77M | $19.80M | $29.86M | $24.90M | +61.0% |
| Net income | $105.06M | $91.10M | $78.98M | $80.31M | $76.15M | +15.3% |
| Net income to common | $105.06M | $91.10M | $78.98M | $80.31M | $76.15M | +15.3% |
| Basic EPS | 4.22 | 3.66 | 3.19 | 3.22 | 3.01 | +15.3% |
| Diluted EPS | 4.00 | 3.46 | 3.00 | 3.03 | 2.86 | +15.6% |
| EBIT | $139.33M | $113.06M | $104.22M | $109.82M | $101.33M | +23.2% |
| EBITDA | $147.75M | $121.97M | $113.29M | $122.18M | $111.67M | +21.1% |
| Basic shares | 24.88M | 24.87M | 24.76M | 24.95M | 25.30M | +0.0% |
| Diluted shares | 26.27M | 26.35M | 26.36M | 26.47M | 26.65M | -0.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $122.23M | $96.13M | $71.71M | $53.60M | $55.56M | +27.1% |
| Cash & short-term investments | $122.23M | $96.13M | $71.71M | $53.60M | $55.56M | +27.1% |
| Total current assets | $6.75B | $6.41B | $6.00B | $5.50B | $5.27B | +5.3% |
| Property, plant & equipment | $155.60M | $151.59M | $149.12M | $145.86M | $145.47M | +2.6% |
| Goodwill & intangibles | $281.43M | $281.69M | $282.94M | $284.19M | $286.20M | -0.1% |
| Total assets | $7.22B | $6.88B | $6.47B | $5.96B | $5.72B | +5.0% |
| Total current liabilities | $334.88M | $412.11M | $395.85M | $252.91M | $257.51M | -18.7% |
| Current debt | — | $130.00M | $90.00M | — | — | — |
| Long-term debt | $5.01B | $4.70B | $4.41B | $4.11B | $3.96B | +6.6% |
| Total debt | $5.05B | $4.86B | $4.53B | $4.14B | $4.00B | +3.7% |
| Total liabilities | $5.73B | $5.48B | $5.13B | $4.68B | $4.50B | +4.6% |
| Retained earnings | $2.20B | $2.10B | $2.01B | $1.93B | $1.85B | +5.0% |
| Shareholder equity | $1.50B | $1.40B | $1.34B | $1.28B | $1.23B | +6.8% |
| Working capital | $6.42B | $6.00B | $5.61B | $5.25B | $5.01B | +7.0% |
| Net tangible assets | $1.22B | $1.12B | $1.05B | $999.49M | $942.46M | +8.5% |
| Shares issued | 47.87M | 47.90M | 47.44M | 47.33M | 47.18M | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $105.06M | $91.10M | $78.98M | $80.31M | $76.15M | +15.3% |
| Depreciation & amortisation | $8.42M | $8.91M | $9.07M | $12.36M | $10.35M | -5.5% |
| Stock-based compensation | $8.75M | $8.71M | $8.52M | $8.54M | $8.11M | +0.4% |
| Change in working capital | $42.65M | -$15.78M | $53.07M | -$8.05M | $18.48M | +370.3% |
| Operating cash flow | $544.03M | $474.54M | $498.81M | $481.80M | $447.36M | +14.6% |
| Capital expenditure | -$12.61M | -$10.75M | -$11.70M | -$11.35M | -$11.22M | -17.3% |
| Investing cash flow | -$657.97M | -$753.37M | -$802.81M | -$605.15M | -$528.24M | +12.7% |
| Share buybacks | -$19.78M | -$39.59M | -$35.33M | -$38.40M | -$55.32M | +50.0% |
| Financing cash flow | $158.29M | $292.12M | $355.09M | $100.78M | $148.63M | -45.8% |
| Free cash flow | $531.42M | $463.79M | $487.12M | $470.46M | $436.14M | +14.6% |
| End cash position | $465.21M | $421.36M | $407.86M | $356.96M | $379.44M | +10.4% |
Options analytics
Put / call volume
2.98
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
120.00
-34.4% from spot
ATM implied vol
1.6%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
115
Contracts, this expiry
Put volume
343
Contracts, this expiry
Heaviest call OI
120.00
0 contracts
Heaviest put OI
120.00
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 3.96 | 4.31 | +8.8% |
| Mar 2026 | 3.68 | 3.87 | +5.1% |
| Dec 2025 | 3.17 | 3.46 | +9.2% |
| Sep 2025 | 3.03 | 3.36 | +10.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 4.40 | 4 | $1.00B | +24.9% |
| Next quarter | 4.69 | 4 | $1.05B | +25.3% |
| Current year | 17.27 | 4 | $3.86B | +22.4% |
| Next year | 20.96 | 4 | $4.54B | +17.6% |
Analyst targets & ownership
Mean target$241.00
High target$300.00
Low target$205.00
Implied upside31.78%
Analyst count6
ConsensusNONE
Strong buy / Buy2 / 4
Hold0
Sell / Strong sell0 / 0
Held by insiders4.53%
Held by institutions97.60%
Institutions holding564
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
172.41
+6.08% from price
SMA 20
183.06
-0.10% from price
SMA 50
221.41
-17.40% from price
SMA 100
211.32
-13.46% from price
SMA 200
182.45
+0.23% from price
EMA 12
177.74
+2.89% from price
EMA 26
191.11
-4.31% from price
EMA 50
203.86
-10.29% from price
RSI (14)
42.4
Neutral
MACD (12,26,9)
-13.37
Hist 2.48
ATR (14)
5.60
3.06% of price
Realised vol 30D
81.7%
Annualised
Bollinger upper
225.00
20, 2σ
Bollinger lower
141.12
20, 2σ
50 / 200 cross
Golden
221.41 vs 182.45
Trend bias
Above 200
+0.23%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.32
More volatile than market
Correlation to SPY
0.37
Loosely linked
Realised vol 30D
81.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-37.0%
Peak to trough
Max drawdown 5Y
-42.8%
Peak to trough
ATR 14
5.60
3.06% of price
Beta (reported)
1.28
5Y monthly, from filing
Short interest
Shares short
2.04M
Prior 2.12M
Change vs prior
-3.6%
Shorts covering
% of float
10.24%
Elevated
% of shares out
8.20%
Against total outstanding
Days to cover
5.9
Crowded exit
Float
23.81M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 17, 26 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
| Sep 15, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Sep 15, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Jul 24, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Jul 8, 26 | Jefferies | MAINTAINED | Buy | Buy |
| Jul 7, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Jun 30, 26 | BTIG | MAINTAINED | Buy | Buy |
| Jun 26, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Apr 27, 26 | Maxim Group | MAINTAINED | Buy | Buy |
| Apr 24, 26 | TD Cowen | MAINTAINED | Buy | Buy |
| Apr 24, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| Apr 24, 26 | Stephens & Co. | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-25
Corporate Changes & Voting Matters
8-K · 2026-09-17
Corporate Changes & Voting Matters
8-K · 2026-09-15
Corporate Changes & Voting Matters
8-K · 2026-09-14
Corporate Changes & Voting Matters
8-K · 2026-09-09
Corporate Changes & Voting Matters
8-K · 2026-08-21
Corporate Changes & Voting Matters
8-K · 2026-08-14
Corporate Changes & Voting Matters
8-K · 2026-07-23
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PRIVATE STRATEGY · BY QUALIFICATION
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