AU · rank #6 · 2026-07-27
ENVA
NYSE · $5.79B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 2.103 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$1.15 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) $0 across 0 unique buyers. | -0.109 |
| Analyst upside Consensus target $250.71 | +5.7% |
| Momentum acceleration 3-month minus 12-month momentum. | +6.47% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.50 |
| Gross margin TTM | +82.8% |
| 52w high | $246.38 |
| Market cap (USD) | $5.79B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Enova International is an online analytics-driven lender serving non-prime consumers and small businesses, generating ~$929M quarterly revenue through machine-learning-powered underwriting across a ~$5.5B receivables portfolio.
Rationale
The analyst_upside signal is reinforced by four target price raises in 30 days, an 8.75% earnings beat, eight consecutive quarters of 30%+ adjusted EPS growth, and improving net charge-offs — analysts are chasing fundamental outperformance, not merely rotating sentiment.
Material risks
- 1Regulatory crackdown on non-prime online lending or bank-partnership models could structurally constrain Enova's product economics, directly invalidating the growth trajectory that is driving analyst target raises.
- 2A credit-cycle turn in non-prime portfolios would compress the 61% net revenue margin and reverse the favorable 7.3% charge-off trend that underpins current consensus EPS revisions upward.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.