Enova International, Inc. (ENVA): a potential bargain?

Buy — the crash is about a failed bank-charter bid, not a broken lending business, and guidance was reaffirmed.

🔥 HOT Fundamentals77/100

Fell 25% in 7 trading day(s) — now $168.98

Why ENVA dropped

Enova withdrew its regulatory applications to acquire Grasshopper Bancorp (a plan to become a bank holding company), and the CEO cited unclear/political regulatory standards as the reason; alongside this, management reaffirmed Q3 and full-year 2026 revenue and EPS growth guidance.

Fwd P/E 8.1Op margin 29.9%Rev growth 31.1%Debt/equity 337.0%Analyst upside 42.6%

How this scored 77/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 21.0%

✅ Generates cash Free cash flow unknown

✅ Not drowning in debt Debt/equity 337.0% — exempt (banks run on leverage by design)

✅ Can pay its bills Exempt (financials)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 25/25

Operating margin 29.9% 9/9

Net profit margin 21.0% 8/8

Return on equity 26.1% 8/8

Growth Is it getting bigger, or dying? 25/25

Revenue growth 31.1% 9/9

Earnings growth 39.9% 8/8

Expected profit change 58.0% 8/8

Value Is it cheap right now? 17/25

Forward P/E 8.1 10/10

PEG ratio unknown 2/8

Analyst target upside 42.6% 5/7

Balance sheet Will it survive? 10/25

Debt / equity 337.0% 0/10

Current ratio 20.1 8/8

Free cash flow unknown 2/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-09-23. Research only — not financial advice.