ENVA:NYSEEnova International, Inc. Analysis
Data as of 2026-09-27 - not real-time
$173.48
Latest Price
9/10Risk
Risk Level: High
Executive Summary
Enova International, Inc. trades at $173.48, with its moving averages tangled rather than clearly stacked — a neutral trend structure. It has lost 33.8% over the past 30 days. RSI sits at 28.3, which reads as oversold, and MACD momentum is bearish. The recent range runs from support at $166.51 up to resistance at $240.32.
Valuation screens as undervalued: a P/E of 12.9 sits below the sector average of 15.6. Consensus targets land 38.9% above where the shares trade now. Revenue is growing at 31.1% on a 21.0% profit margin.
Risk comes out at 9 of a possible 10, a high reading. With 30-day volatility of 83.8%, a beta of 1.27 and a maximum drawdown of 36.6%, position sizing matters more than entry timing here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
The horizons diverge: hold near-term but buy on a long view, at 4/10 conviction over the longer horizon.
Valuation screens as undervalued: a P/E of 12.9 sits below the sector average of 15.6. Consensus targets land 38.9% above where the shares trade now. Revenue is growing at 31.1% on a 21.0% profit margin.
Risk comes out at 9 of a possible 10, a high reading. With 30-day volatility of 83.8%, a beta of 1.27 and a maximum drawdown of 36.6%, position sizing matters more than entry timing here. The wider market backdrop reads extreme greed at 95 on the fear-greed composite.
The horizons diverge: hold near-term but buy on a long view, at 4/10 conviction over the longer horizon.
Top Market Events
/PRNewswire/ -- Enova International NYSE: ENVA shares lost roughly 22./PRNewswire/ -- Enova International NYSE: ENVA disclosed on September 14, 2026 that it had withdrawn its applications...11dEnova drops 25% as it pulls bank deal filings, plans faster buybacksEnova International Inc NYSE:ENVA withdrew...
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 1/10
Key Factors
- RSI at 28.3 signals oversold conditions
- Trading below the 200-day average of 181.81
- MACD momentum is negative
Medium Term
1–3 yearsNeutral
Model confidence: 2/10
Key Factors
- RSI at 28.3 signals oversold conditions
- P/E of 12.9 versus sector average of 15.6
- Trading below the 200-day average of 181.81
Long Term
> 3 yearsPositive
Model confidence: 4/10
Key Factors
- P/E of 12.9 versus sector average of 15.6
- Analyst targets imply +38.9% versus the current price
- Profit margin of 21.0% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth31.10%
Profit Margin21.01%
P/E Ratio12.9
ROE26.08%
ROA5.49%
Debt/Equity337.01
P/B Ratio2.9
Op. Cash Flow$2.0B
Industry P/E15.6
Technical Analysis
TrendNeutral
RSI28.3
Support$166.51
Resistance$240.32
MA 20$202.40
MA 50$229.62
MA 200$181.81
MACDBearish
VolumeIncreasing
Fear & Greed Index94.88
Valuation
Fair Value$1,629.59
Target Price$241.00
Upside/Downside38.92%
GradeUndervalued
TypeBlend
Risk Assessment
Beta1.27
Volatility83.78%
Sector RiskMedium
Reg. RiskHigh
Geo RiskLow
Currency RiskLow
Liquidity RiskLow
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.