Enova International, Inc. (ENVA): one to watch?

Watch, not a screaming buy — core lending business is fine, but the collapse of its bank-charter plan raises real regulatory-risk questions that justify some caution.

👀 WATCH Fundamentals78/100

Fell 26% in 8 trading day(s) — now $173.61

Why ENVA dropped

ENVA fell 23-25% after withdrawing its regulatory applications to acquire Grasshopper Bancorp (a $369M digital bank deal), with the CEO blaming unclear/political regulatory standards for nonbanks — not a problem with the lending business itself, which still beat Q2 estimates and reaffirmed full-year guidance.

Fwd P/E 8.3Op margin 29.9%Rev growth 31.1%Debt/equity 337.0%Analyst upside 47.0%

How this scored 78/100

✅ 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 55.8% 8/8

Value Is it cheap right now? 18/25

Forward P/E 8.3 10/10

PEG ratio unknown 2/8

Analyst target upside 47.0% 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 2026-09-16. Research only — not financial advice.