Lumida
/ENVA
⌘K
Enova International Inc

Enova International Inc

ENVA
$223.48USD+0.19%+0.42 today

MARKET CAP

5.6B

P/E (TTM)

18.1x

FWD P/E

DAY RANGE

$221 – $228

52W RANGE

$103
$267

AI Summary

Stalk
Sell NowMedium

ENVA remains in Stage 4 distribution, establishing a medium-term bearish tradable side. Price is rejecting declining EMAs near the 9/20/50 cluster and forming lower highs and lower lows. Short-term bearish bias signals readiness for immediate sell participation at resistance. Sell now.

  • Q4 2025 revenue reached $839M (+15% YoY); originations +27% full-year
  • Grasshopper Bank acquisition projected to add >25% adjusted EPS
  • Marketing expenses at 22% of revenue risk profitability if origination stalls
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$1.2B$1.7B$2.1B$2.7B$3.2B
YoY %+76.5%+43.7%+22.0%+25.5%+18.6%
P / Sales1.3x0.7x0.8x1.0x1.3x
EV / Sales2.5x2.2x2.4x2.5x2.9x
Gross Profit, Adj.$1.2B$1.7B$2.1B$2.7B$3.2B
YoY %+76.5%+43.7%+22.0%+25.5%+18.6%
Margin %100.0%100.0%100.0%100.0%100.0%
EV / Gross Profit2.5x2.2x2.4x2.5x2.9x
EBITDA, Adj.$448.4M$420.9M$460.3M$625.0M$781.3M
YoY %+18.8%-6.2%+9.4%+35.8%+25.0%
Margin %37.1%24.2%21.7%23.5%24.8%
EV / EBITDA6.8x9.0x11.0x10.7x11.9x
EBIT$413.1M$384.0M$422.1M$584.8M$739.4M
YoY %+15.4%-7.0%+9.9%+38.5%+26.5%
Margin %34.2%22.1%19.9%22.0%23.5%
EV / EBIT7.4x9.9x12.0x11.5x12.5x
Net Income$256.3M$207.4M$175.1M$209.4M$308.4M
YoY %-32.2%-19.1%-15.6%+19.6%+47.2%
Net Margin21.2%11.9%8.3%7.9%9.8%
EPS (GAAP)$6.79$6.19$5.49$7.43$11.52
YoY %-42.0%-8.8%-11.3%+35.3%+55.0%