Stock Analysis
Enova International, Inc. (ENVA) Stock Analysis
Enova International, Inc. (ENVA) stock analysis covering valuation, fundamentals, technical indicators, risk, AIQ Momentum, analyst catalysts, dividends, and the current AIQ Score.
Enova International, Inc. (ENVA) currently has an AIQ Score of 55/100, indicating a neutral setup. Value is the strongest factor at 61/100. Risk is the weakest current factor at 45/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
ENVA at a Glance
Crawlable current metrics from the latest market-close stock snapshot.
| Metric | Current |
|---|---|
| Price | $174.09 |
| AIQ Score | 55/100 |
| Overall View | Neutral |
| Technical Analysis Consensus | Buy |
| Market Cap | $4.11B |
| P/E Ratio (TTM) | 10.73 |
| Forward P/E | — |
| EPS (quarter ended 2026-09-30) | $4.31 |
| Revenue (quarter ended 2026-09-30) | $1.01B |
| Dividend Yield (TTM) | 0.00% |
| Beta | 1.28 |
| Volume | 233.61K |
| 52-week range | $117.66-$267.45 |
| RSI 14 | 53.37 |
| 50-Day SMA | $194.19 |
| 200-Day SMA | $183.70 |
| Analyst Price Target | — |
| Next Earnings | — |
ENVAEnova International, Inc.
Financial Services / Financial - Credit Services
Low Priority
In Line With Peers
Latest quote
- Momentum51
- Value61
- Quality56
- Risk resilience45
- Sentiment—
ENVA Stock Analysis Summary
Enova International, Inc. (ENVA) currently has an AIQ Score of 55/100, indicating a neutral setup. Value is the strongest factor at 61/100. Risk resilience is the weakest current factor at 45/100. Technical, fundamental, catalyst, dividend, and risk evidence should be read together at the latest market-close snapshot.
In a neutral regime, ENVA has AIQ Score of 55/100 with Value base of 61/100 and fading Risk resilience at 45/100. Wait for component alignment before adding exposure.
Financial Services · -3.84% stock move · ENVA classified in Financial - Credit Services.
Current Evidence
AlgovestIQ Evidence Summary
Current consensus, supporting evidence, recent changes, and what would strengthen or weaken the view.
Is ENVA Bullish or Bearish Right Now?
ENVA currently has a neutral overall setup. Value is the strongest factor at 61/100, while Risk Resilience is weakest at 45/100. The current evidence suggests a mixed rather than strongly bullish or bearish setup.
- - Technical consensus has more buy votes than sell votes (25 vs 17).
- - Price is -1.45% below its 200-day SMA.
Current Consensus
ENVA's Technical Analysis Consensus is currently Buy, with 25 buy, 3 neutral, and 17 sell votes. ENVA's 14-day RSI is 53.37, which places the stock in a neutral momentum range. ENVA's beta is 1.28, indicating greater market sensitivity than the broad market.
What Changed in ENVA?
The largest recent change in ENVA is Risk Resilience moving down by 6.0 points over the available 7-day comparison window. Value remains the strongest visible factor.
What Would Change the ENVA Outlook?
The current neutral outlook could improve if AIQ moves above 70, momentum recovers, earnings revisions strengthen, and price confirms a stronger trend above the 50-day and 200-day moving averages. It would weaken if AIQ falls below 40, price loses long-term moving-average support, analyst expectations deteriorate, or risk evidence worsens.
AIQ > 70, RSI above 55, price above SMA-50/SMA-200, and positive catalyst or estimate-revision evidence.
AIQ below 40, RSI below 45, loss of SMA-200, negative revisions, or rising volatility and drawdown risk.
ENVA Decision Framework
Public evidence layers, setup checks, and risk context for Enova International, Inc..
Enova International, Inc. (ENVA) Stock Analysis
Enova International, Inc. has an AIQ Score of 55/100 in a Neutral regime. Value is strongest at 61/100. Beta is 1.28, above market sensitivity. Review the supporting stock factors together before drawing a conclusion from any single score.
| Evidence Layer | Public Evidence |
|---|---|
| Regime Context | ENVA is in a Neutral AIQ regime with score 55/100. |
| Signal Conflict | The primary conflict is that value leads at 61/100 while risk lags at 45/100. |
| Factor Evidence | Momentum 51/100 · Value 61/100 · Quality 56/100 · Risk 45/100 |
| Persistence | Current snapshot evidence is shown; historical persistence remains in AIQ Pro. |
Current Setup Checklist
Value is the strongest factor at 61/100.
Momentum is 51/100 and RSI (14) is 53.4.
ENVA is in a Neutral regime at 55/100.
Risk factor is 45/100 with beta 1.28 and annual volatility 45.94%.
Current conflict: value leads at 61/100 while risk lags at 45/100.
ENVA Research Cluster
Ticker-specific paths for valuation, technical analysis, catalysts, dividends, financials, risk, and news.
ENVA Fundamentals
ENVA valuation, profitability, growth, margins, balance-sheet strength, and free cash flow.
ENVA Technical Analysis
ENVA technical setup based on RSI, MACD, moving averages, AIQ Momentum, volume, trend, volatility, and pivots.
ENVA Stock Catalysts
Track ENVA earnings, analyst ratings, price targets, estimate revisions, stock news, and upcoming events.
ENVA Dividend Analysis
ENVA dividend yield, annual dividend, payout ratio, payment history, and income reliability context.
ENVA Financial Data
ENVA revenue, earnings, income statement, balance sheet, cash flow, valuation ratios, and stock metrics.
ENVA Risk Analysis
ENVA volatility, beta, drawdown, Sharpe ratio, VaR, and downside resilience.
ENVA Stock News
ENVA stock news, market tone, recent headlines, and catalyst context.
ENVA vs Fintech & Payments Peers
Current peer cohort: ENVA · FLYW · GPN · GRAB. Compare AIQ, factor scores, Sharpe ratio and 1-year volatility in one indexable view.
| Peer | AIQ | Value | Momentum | Risk | Sharpe | 1Y Volatility | Compare |
|---|---|---|---|---|---|---|---|
| ENVA Current stock | — | — | — | — | 1.03 | 45.94% | Current |
| FLYW Flywire | — | — | — | — | 0.91 | 46.73% | ENVA vs FLYW |
| GPN Global Payments | — | — | — | — | 0.3 | 39.95% | ENVA vs GPN |
| GRAB Grab Holdings | — | — | — | — | -1.99 | 37.95% | ENVA vs GRAB |
Peer cohort is resolved dynamically from the AlgovestIQ universe taxonomy and Compare relationship graph. Data as of Oct 29, 2026.
About the AIQ Score
Methodology for the current stock evidence.
The AlgovestIQ AIQ Score combines multiple dimensions of stock evidence, including momentum, valuation exposure, quality, risk resilience, sentiment context, and timing signals. It is a descriptive research score, not a guarantee of future performance or a personalized recommendation.
View AIQ methodologyFactor Diagnostics
A compact bridge from the AIQ score to the evidence tabs.
Open the return calculator with stock context while purchase price, shares, dates and fees remain user inputs.
AIQ Component Profile
Compare the five component scores on one consistent 0–100 scale.
Review earnings timing, revisions, news pressure, and prior event reactions in one place.
Open catalysts4 recent quarterly periods are available for review.
Checked Oct 31, 2026
Explore factor drivers, conflicts, persistence, and scenario sensitivity in the advanced workspace.
Fundamentals Verdict
Current snapshot fields are separate from reported-quarter statement tables.
Latest period Sep 30, 2026.
Market Confirmation
Technicals are summarized first, with the indicator library behind it.
Risk Alignment
Higher resilience is stronger; exposure metrics stay separate.
Continue Researching ENVA
Open the detailed evidence pages and workflows behind the stock overview read.
Premium Feature
Full AIQ Analysis
AIQ Intelligence
AIQ Pro for ENVA
Scenario Analysis
AIQ Scenario Builder
Portfolio Implication
Related Links
ENVA Stock FAQ
What is ENVA stock price today?
Enova International, Inc.'s current stock price is $174.09. Use the live quote with AIQ Score, news, and risk context rather than treating price alone as a decision signal.
Is ENVA bullish or bearish right now?
ENVA's bullish or bearish read depends on the current AIQ Score, factor alignment, technical analysis consensus, valuation, risk, and catalyst evidence. A mixed setup should be treated differently from a broad confirmation across those signals.
What is ENVA's market cap?
ENVA's market cap is $4.11B based on the latest completed market-close snapshot from Oct 30, 2026. Use it with P/E ratio, revenue, and growth metrics to frame company size, valuation, and peer comparisons.
What is ENVA's current P/E ratio?
ENVA's current P/E ratio is 10.73 based on the latest completed market-close snapshot from Oct 30, 2026. Read it with revenue growth, margins, EPS, cash flow, and peer valuation rather than using P/E alone.
What is ENVA's RSI?
ENVA's 14-day RSI is 53.37 based on the latest completed market-close snapshot from Oct 30, 2026. RSI should be interpreted with MACD, moving averages, volume, volatility, and price trend.
Is ENVA above its 50-day and 200-day moving averages?
ENVA is -6.77% from its 50-day SMA and -1.45% from its 200-day SMA based on the latest completed market-close snapshot from Oct 30, 2026. Moving-average position should be read with momentum and broader AIQ evidence.
When is ENVA's next earnings date?
ENVA's next earnings date is a key event to check before making a decision. Earnings can reset revenue, EPS, price target, analyst rating, and catalyst expectations.
Does ENVA pay a dividend?
ENVA's dividend yield is 0.00% based on the latest completed market-close snapshot from Oct 30, 2026. Dividend yield should be read with payout ratio, free cash flow, growth, and balance-sheet strength.