Enova International (NYSE:ENVA) Releases Q3 2026 Earnings Guidance

Enova International (NYSE:ENVA) updated its third quarter 2026 earnings guidance on Monday. The company provided EPS guidance of 4.370-4.370 for the period, compared to the consensus earnings per share estimate of 4.340. The company issued revenue guidance of $1.0 billion-$1.0 billion, compared to the consensus revenue estimate of $1.0 billion. Enova International also updated its FY 2026 guidance to 16.850-17.500 EPS.

Analyst Upgrades and Downgrades

ENVA has been the subject of several recent analyst reports. TD Cowen lowered their target price on shares of Enova International from $257.00 to $220.00 and set a “buy” rating for the company in a research note on Tuesday. BTIG Research lifted their price target on shares of Enova International from $199.00 to $270.00 and gave the stock a “buy” rating in a research report on Tuesday, June 30th. Citigroup reissued a “market outperform” rating on shares of Enova International in a report on Tuesday. Citizens Jmp lowered their price objective on shares of Enova International from $270.00 to $215.00 and set a “market outperform” rating for the company in a research report on Tuesday. Finally, Weiss Ratings reaffirmed a “buy (b-)” rating on shares of Enova International in a research note on Friday, July 17th. One investment analyst has rated the stock with a Strong Buy rating and eight have issued a Buy rating to the company’s stock. According to MarketBeat, Enova International currently has a consensus rating of “Buy” and an average target price of $232.50.

Enova International Stock Down 23.2%

Enova International stock opened at $174.09 on Wednesday. The company has a 50 day moving average of $239.51 and a 200-day moving average of $192.22. The company has a quick ratio of 18.42, a current ratio of 18.42 and a debt-to-equity ratio of 3.35. Enova International has a twelve month low of $103.02 and a twelve month high of $267.45. The stock has a market capitalization of $4.33 billion, a PE ratio of 12.91 and a beta of 1.21.

Enova International (NYSE:ENVA) last issued its quarterly earnings data on Thursday, July 23rd. The credit services provider reported $4.31 EPS for the quarter, topping analysts’ consensus estimates of $3.99 by $0.32. The business had revenue of $928.93 million for the quarter, compared to analyst estimates of $909.61 million. Enova International had a net margin of 10.31% and a return on equity of 26.66%. The firm’s quarterly revenue was up 21.6% on a year-over-year basis. During the same period last year, the business posted $3.23 earnings per share. On average, equities research analysts anticipate that Enova International will post 16.3 EPS for the current fiscal year.

Insider Activity

In other Enova International news, Chairman David Fisher sold 9,078 shares of Enova International stock in a transaction dated Wednesday, August 26th. The stock was sold at an average price of $239.16, for a total value of $2,171,094.48. Following the sale, the chairman owned 306,444 shares of the company’s stock, valued at $73,289,147.04. This trade represents a 2.88% decrease in their position. The transaction was disclosed in a document filed with the SEC, which is available through the SEC website. Also, Director Mark Tebbe sold 20,000 shares of the business’s stock in a transaction dated Thursday, June 18th. The shares were sold at an average price of $201.37, for a total value of $4,027,400.00. Following the completion of the sale, the director owned 50,029 shares in the company, valued at approximately $10,074,339.73. This trade represents a 28.56% decrease in their ownership of the stock. Additional details regarding this sale are available in the official SEC disclosure. Insiders sold a total of 38,569 shares of company stock worth $8,514,393 in the last three months. Company insiders own 8.40% of the company’s stock.

Key Headlines Impacting Enova International

Here are the key news stories impacting Enova International this week:

• Positive Sentiment: Enova reaffirmed its 2026 earnings outlook, including third-quarter adjusted EPS guidance of approximately $4.37 and full-year EPS guidance of $16.85–$17.50. The company also plans to accelerate share repurchases, which could support per-share results. Enova Withdraws Bank Regulatory Applications
• Positive Sentiment: Despite lowering their price targets, TD Cowen and Citizens JMP maintained bullish ratings of “buy” and “market outperform,” respectively. Their revised targets remain materially above the current share price, suggesting analysts see recovery potential if operating results remain on track.
• Neutral Sentiment: The Grasshopper transaction was expected to broaden Enova’s financial-services platform, but withdrawing the applications eliminates the near-term strategic and regulatory benefits of the proposed acquisition. Reports described the transaction’s value at roughly $369 million. Enova Scraps Grasshopper Bank Acquisition After Pressure From State AGs
• Negative Sentiment: The abandoned bank deal triggered a major investor reaction because it removes a potential growth initiative and raises questions about Enova’s ability to pursue regulated banking expansion. The stock is now trading well below its 50-day and 200-day moving averages. Why This Fintech Stock Is Having Its Worst Day in 6 Years
• Negative Sentiment: Several law firms announced securities-fraud investigations following the selloff, examining whether Enova complied with federal securities laws in connection with disclosures about the Grasshopper acquisition. These announcements do not establish wrongdoing, but they add headline and potential litigation risk. ENVA Investor Alert: Investigation Announced

Enova International Company Profile

Enova International, Inc is a financial technology company that provides online financial services to consumers and small businesses. The company uses technology, data analytics and automated decision-making to offer credit products designed for customers who may have limited access to traditional bank financing.

Enova’s consumer finance brands include CashNetUSA and NetCredit, which offer products such as short-term and installment loans, lines of credit and other forms of personal credit, subject to applicable laws and eligibility requirements.