Enova International, Inc. (ENVA) — Stock Score Summary

Enova International, Inc. (ENVA) has a MoatMap StockRank of 85/100 based on Quality (67/100), Value (31/100), and Momentum (71/100) factor scores. The current signal is STRONG BUY. Enova International is a technology-driven subprime lender. While it has solid analytics, it operates in a highly cyclical and regulatory-sensitive industry that does not meet our quality compounder criteria.

Enova International, Inc. is a FinTech company offering online financial services, including short-term loans, installment loans, and lines of credit, primarily to non-prime consumers and small businesses. The company's competitive edge lies in its proprietary underwriting technology and advanced analytics, enabling efficient risk assessment and a fully digital lending platform.

Key Financial Metrics

Price$158.90
Market Cap$4.0B
P/E (TTM)13.66
P/E (Forward)8.59
Price/Book2.98
Return on Equity25.1%
Return on Invested Capital6.7%
Debt/Equity347.00
Gross Margin82.8%
Operating Margin26.6%
Revenue Growth25.8%

Enova International, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Enova International, Inc.’s (ENVA) StockRank?
MoatMap’s StockRank for Enova International, Inc. (ENVA) is 85/100, with a Strong Buy signal. It is a composite of Quality (67), Value (31), and Momentum (71) factor ranks across MoatMap’s 19,000+ stock universe.
Does Enova International, Inc. have an economic moat?
Enova International, Inc. (ENVA) has a Quality factor score of 67/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Enova International, Inc. a buy, hold, or sell?
MoatMap’s current signal for Enova International, Inc. (ENVA) is Strong Buy, based on a StockRank of 85/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Enova International, Inc. in?
Enova International, Inc. (ENVA) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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