Enova International (ENVA) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $4.48
- Estimate
- $4.40
- Surprise
- +1.8%
- Revenue (period 2026-09-30)
- $1.01B
- Score at report (before → after)
- 7.0 → 7.1/10
Revenue source: xbrl.
How the report landed
Enova International (ENVA) beat the $4.40 estimate with adjusted EPS of $4.48 — a modest 1.8% upside surprise. TrendMatrix's engine moved from Hold (7.0/10) to Buy (Wait) at 7.1/10 after the report.
Coverage in the report window
- Enova Reports Quarterly Revenue Exceeding $1 Billion — fiscal.ai, 2026-10-23
Where TrendMatrix's rating stands now
TrendMatrix currently rates ENVA Hold at 7.0/10.
4 of the last 4 quarters beat the estimate; this quarter's +1.8% surprise compares with a +6.2% four-quarter average.
What supports the rating
- V7 quality resilience bonus: +0.2 (Q=8.0 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Single-region cliff: 98% exposure to United States (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.
- Concentration risk — Geographic: United States (97.5%)
- Leverage penalty (D/E 3.4): -1.5
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $176.78
- Price target
- $210.25
- Stop
- $166.56
- Upside to target
- +18.9%
- Reward-to-risk
- 2.8:1
The stock trades at 13.1× trailing but 8.4× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-23 — shown for context, not personalized investment advice.
ENVA at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $4.40B
- P/E (fwd)
- 8.4
- P/E (ttm)
- 13.1
- 52-week range
- $111.93–$267.45
- Off 52-week high
- 33.9%
- RSI (14)
- 56
- Volume vs avg
- 1.34×
- Score today
- 7.0/10