ENVA's Quality Score fell 1 point on Tue, Nov 10, to 3. Trading went back to normal after a busy day.
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Down 7% on Oct 23, and still 5% under its Oct 22 close.
Up 319% over the five years to Nov 9 while the S&P 500 rose 72%; down 7% on Oct 23.
4 reasons, from its filings, with the timeline, for Pro members.
| Long-term trend | −1 |
| Latest filing | 8-K, Oct 30 |
Tue Nov 10: BMO Financials Conference 2026Investor conference · date confirmed.
2 more dates ahead: conferences, for Pro members.
After its last 4 reports it closed +0.4% on average, higher 2 of 4 times.
ENVA is #8 of 13 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 8 |
Net income over four quarters: ENVA $382M, CACC $337M, FIGR $237M, UPST $65.1M.
Expected to report Tue Jan 26, after the close (in 77 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
Revenue of $1.0B, 26% more than a year ago; a profit of $4.06 a share, from $3.03.
“We’re pleased to deliver another quarter of strong financial results, driven by healthy demand and stable credit, as consolidated originations, receivables, revenue and adjusted EPS all grew 25% or more year-over-year,”
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| United States | $984M | $904M | $782M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Oct 22)
No outlook figures read from this release.
Sales grew 24% a year over 5 years, fiscal 2020 to 2025.
Its share count fell 3.7% a year over 5 years.
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 22, 2026 | -2.9% | -6.6% | +2.4% |
| Jul 23, 2026 | +6.2% | +8.9% | +16.3% |
| Apr 23, 2026 | +1.4% | -1.6% | -0.0% |
Sales grew in six of the last seven years, to $3.2B in 2025. It made a profit in each of the eight years.
RSI 40.8, MACD above signal, below both averages. Not scored.
6 insiders sold $16.2M across 10 filings in the last 6 months. No open-market buys on record. The newest:
One trade disclosed in the last six months. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: ENVA is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
ENVA scores 3 today, which Breakaway calls Below Average. It is #8 of 13 in Lenders & Credit by Quality Score, with 1 of 14 chart checks firing. Down 7% on Oct 23, and still 5% under its Oct 22 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
ENVA scores 3 today, which Breakaway calls Below Average (0 to 5). That is #8 of 13 in Lenders & Credit by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind ENVA's 3.
6 insiders sold $16.2M across 10 filings in the last 6 months. No open-market buys on record. The newest is Sean Rahilly, General Counsel and Secretary, who sold $1.8M on Oct 29. Every filing, with the scored weight, for Pro members.
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Insider and Congress trades, the chart, and the financials, in one score.
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