Nama's AI scorecard currently rates Enova International Buy (6.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is ENVA's P/E ratio?

Enova International trades at a trailing price-to-earnings ratio of 10.7.

When does ENVA report earnings?

Enova International's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $4.62.

What is the ENVA price target?

The median analyst price target from 6 analysts is $222.50, with a range of $220.00 – $275.00.

Is ENVA Shariah compliant?

Nama's AAOIFI-style screen reads Enova International as Not Shariah Compliant. At least one of the three ratios or the industry test failed.

Nama Insights

Enova International (ENVA)

Financial Services · Credit Services · NYSE

Enova International (ENVA) is a Financial Services company in the Credit Services industry. It has a market capitalization of $4.22B and a trailing price-to-earnings ratio of 10.7. Over the most recent reported fiscal year, revenue grew 18.6%. Nama's AI scorecard rates it Buy, 6.8 out of 10. On 12-month momentum it ranks in the rising band of its market.

AI scorecard

Buy · 6.8/10

Positive, at the low end of Buy. As of Nov 7, 2026.

Momentum

Rising · +49.9% over 12 months ex. last

Second-best fifth of its market on the past year's move.

Shariah screen

Not Shariah Compliant

At least one of the three ratios or the industry test failed.

Off its high

-35.5%

How far the last close sits under the highest price of the past five years.

Market cap	$4.22B
Trailing P/E	10.7
Price / book	2.7
Price / sales	2.3
FCF yield	—
Dividend yield	—
Gross margin	50.1%
Operating margin	13.7%
Net margin	10.5%
Revenue growth (YoY)	+18.6%
Revenue growth (3-yr annual)	+22.0%
EPS growth (YoY)	+41.9%
FCF/share growth (YoY)	—
Beta	1.3
Exchange	NYSE
Sector	Financial Services
Industry	Credit Services

ENVA earnings

Next report: Jan 26, 2027 (Q4 2026, EPS estimate $4.62). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Oct 22, 2026	$4.48	$4.40	+1.8%	$1.01B
Q2 2026	Jul 23, 2026	$4.31	$3.96	+8.8%	$928.93M
Q1 2026	Apr 23, 2026	$3.87	$3.68	+5.2%	$875.14M
Q4 2025	Jan 27, 2026	$3.46	$3.17	+9.2%	$839.39M

ENVA analyst price target

Median target $222.50 from 6 analysts, ranging $220.00 – $275.00.

Credit Services peers

Ticker	Company	Market cap	P/E
V	Visa	$789.94B	31.8
MA	Mastercard	$568.62B	33.1
AXP	American Express	$215.24B	18.1
COF	Capital One Financial	$121.43B	9.7
PYPL	PayPal	$49.21B	11.0
SYF	Synchrony Financial	$23.99B	7.6
AFRM	Affirm	$22.98B	9.7
SOFI	SoFi Technologies	$21.02B	30.0

Explore live ENVA data on Nama Insights →

ENVA FAQ

Is ENVA a buy?: Nama's AI scorecard currently rates Enova International Buy (6.8 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is ENVA's P/E ratio?: Enova International trades at a trailing price-to-earnings ratio of 10.7.
When does ENVA report earnings?: Enova International's next scheduled report is on Jan 26, 2027. Analysts expect EPS of $4.62.
What is the ENVA price target?: The median analyst price target from 6 analysts is $222.50, with a range of $220.00 – $275.00.
Is ENVA Shariah compliant?: Nama's AAOIFI-style screen reads Enova International as Not Shariah Compliant. At least one of the three ratios or the industry test failed.