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.
Where TrendMatrix's rating stands now
TrendMatrix currently rates ENVA Buy (Wait) at 6.8/10.
4 of the last 4 quarters beat the estimate; this quarter's +1.8% surprise compares with a +6.2% four-quarter average. Next scheduled report: 2027-01-26.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (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%)
- Thin upside margin: 9.0%
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
- $184.18
- Entry target
- $177.68
- Price target
- $200.82
- Stop
- $165.44
- Upside to target
- +9.0%
- Reward-to-risk
- 0.8:1
The stock trades at 13.3× trailing but 8.6× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-29 — 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)
- 8.6
- P/E (ttm)
- 13.3
- 52-week range
- $117.66–$267.45
- Off 52-week high
- 31.1%
- RSI (14)
- 56
- Volume vs avg
- 0.11×
- Score today
- 6.8/10