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Enova International, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 12 Sept 2025.
Enova International, Inc.: what insiders have been doing
Enova International, Inc., classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). Between 18 October 2025 and 18 October 2026, 19 insiders published 63 filings.
Only sales appear on the open market, 15 sales in all totalling €21.2M, filed by 5 insiders. The amount is not disclosed for 3 filings. One trade stands out by size: a sale of €3.5M from Fisher David, disclosed on 16 July 2026, or 0.091% of market capitalisation.
Between a trade and the moment it shows up on SEC (Form 4), the median delay is 2 days. Section 16 rules allow two business days to file each Form 4. Keep in mind that insiders sell for many reasons unrelated to the outlook, from tax bills to estate planning.
Compared with its exchange (5,458 companies, median 22 filings), a count of 63 filings is above the norm. Our records for Enova International, Inc. go back to 2016, with 12 purchases and 67 sales on the open market in total. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported revenue of 3.15 bn USD and net income of 308.4 m USD.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc also feature in our signals. Every figure here comes from the filings published by SEC (Form 4) and describes the past, not future prices; it is not investment advice.
Insider Decl.
254
Thresholds
n/a
Buy Volume
€168,421
12 ops. · all time
Sell Volume
€41M
67 ops. · all time
Who traded when
BuySaleDavid Fisher11 sales
Cunningham Steven E3 sales
Gray James A2 sales
Lee James Joseph2 sales
Mark Tebbe2 sales
Rice Linda Johnson1 buy1 sale
+2 other insiders
Since the insiders bought
- +94.3%Entry US$116.66 · Close at T+365 US$226.72
- +146.7%Entry US$5.98 · Close at T+365 US$14.75
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Enova International, Inc. Strong Buy (bullish), based on 6 analysts. Average price target: US$238.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 7,032 of 24,148 companies
62.0
score / 100
Value65
Quality59
FCF yld40%
Earn yld7.0%
EV/EBITDA20.0x
ROE26%
Gross mgn47%
Net mgn9.8%
Debt/EBITDA10.1x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$177.89
Analyst consensus
6 analystsStrong buy
US$215.00Target US$238.50(+34%)US$285.00
Income statement
RevenueUS$3.2B
Gross profitUS$1.5B47% margin
EBITDAUS$448.6M14% margin
Net incomeUS$308.4M21.0% margin
Valuation
PER (trailing)13.2x
PER (forward)8.5x
P/Book3.0x
Beta1.28
Balance sheet & cash
Market capUS$4.4B
Total debtUS$4.5B
Free Cash FlowUS$1.8B
Debt / Equity337%
Profitability & ownership
ROE26.1%
ROA5.5%
% insiders4.5%
% institutions97.9%
Last declaration on 21 September 2026
Declarations254 total
20,750 shares@ US$178.23770.085% mcap10.2% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-396711:1
20,750 shares@ US$20.730.0099% mcap1.2% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-396711:0
31,163 shares@ US$172.140.13% mcap21.0% of flowCommonSEC144:0001628280-26-062583
9,491 shares@ US$20.730.0044% mcap0.5% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-371385:0
9,491 shares@ US$244.01040.052% mcap6.3% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-371385:1
9,078 shares@ US$20.730.0042% mcap0.5% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-371385:2
9,078 shares@ US$239.16310.049% mcap5.9% of flowCommon stock, par value $0.00001 per shareSEC:0001193125-26-371385:3
28,500 shares@ US$250.000.17% mcap27.4% of flowCommonSEC144:0001628280-26-058974
772 shares0Common stock, par value $0.00001 per shareSEC:0001752243-26-000006:0
17,006 shares@ US$20.730.0082% mcap1.0% of flowCommon stock, par value $0.00001 per shareSEC:0001315224-26-000002:0
17,006 shares@ US$231.50610.091% mcap10.9% of flowCommon stock, par value $0.00001 per shareSEC:0001315224-26-000002:1
11,494 shares@ US$20.730.0055% mcap0.7% of flowCommon stock, par value $0.00001 per shareSEC:0001315224-26-000002:2
11,494 shares@ US$231.4540.061% mcap7.3% of flowCommon stock, par value $0.00001 per shareSEC:0001315224-26-000002:3
28,500 shares@ US$230.000.16% mcap25.9% of flowCommonSEC144:0001628280-26-048188
20,000 sharesCommon stock, par value $0.00001 per shareSEC:0001193125-26-279537:0
33,060 sharesCommon stock, par value $0.00001 per shareSEC:0001193125-26-277580:0
33,060 sharesCommon stock, par value $0.00001 per shareSEC:0001193125-26-277580:1
20,000 shares@ US$201.3680.068% mcap100.0% of flowCommonSEC144:0001950047-26-006308
33,060 shares@ US$199.0025.7% of flowCommonSEC144:0001628280-26-044031
3,500 shares@ US$188.00100.0% of flowcommonSEC144:0001628280-26-043450
8,437 sharesCommon stock, par value $0.00001 per shareSEC:0001193125-26-272696:0
3,500 sharesCommon stock, par value $0.00001 per shareSEC:0001193125-26-272696:1
1,320 shares0Common stock, par value $0.00001 per shareSEC:0001193125-26-226944:0
1,320 shares0Common stock, par value $0.00001 per shareSEC:0001193125-26-226943:0
1,320 shares0Common stock, par value $0.00001 per shareSEC:0001193125-26-226923:0
25 of 254 declarations
About Enova International, Inc.
Enova International, Inc. (NYSE: ENVA) is a U.S.-based financial technology company focused on online lending and digital financial services. Headquartered in Chicago, Illinois, United States, Enova has evolved into a scaled alternative credit provider built around data science and machine learning. The company launched its online business in 2004 and has grown from an early online lender into a technology- and analytics-driven platform centered on its proprietary Colossus™ engine, which helps automate customer acquisition, underwriting, funding and servicing. For investors, Enova should be viewed less as a traditional bank and more as a specialized fintech lender operating at scale in the unsecured and small-business credit markets.
Its business model is concentrated in two main areas: consumer lending and small business financing. Enova offers installment loans, consumer and small-business lines of credit, and related financing arrangements and servicing programs. This product mix allows the company to address customers who may be underserved by mainstream banks, especially borrowers in the near-prime and subprime categories and small businesses that need fast access to capital. In its 2024 annual report, Enova said it extended approximately $6.1 billion in credit or financing, underscoring the size of its platform and transaction flow. Its core markets are the United States, where it serves consumers in 37 states and small businesses in 49 states plus Washington, D.C., and Brazil, where it has consumer lending exposure.
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From a competitive standpoint, Enova’s strengths lie in proprietary data, long operating history in online lending, and the ability to make rapid, automated credit decisions. That combination supports efficiency and helps the company differentiate itself from both legacy lenders and newer fintech peers. At the same time, the business is inherently exposed to credit losses, funding conditions, interest-rate volatility, regulatory scrutiny and consumer protection rules. The company’s risk disclosures also highlight the sensitivity of its model to changes in laws, regulatory enforcement and public perception of consumer lending.
Recent developments are important for the equity story. Enova reported first-quarter 2026 results on April 23, 2026, and on December 11, 2025 announced a definitive agreement to acquire Grasshopper Bancorp and Grasshopper Bank for about $369 million in a cash-and-stock transaction. If completed, that deal could broaden Enova’s product ecosystem by linking online lending capabilities with a client-focused banking franchise. Overall, ENVA is a U.S.-listed fintech credit platform on the NYSE, combining technology, risk analytics and lending expertise in a sector that remains highly sensitive to regulation and macroeconomic conditions.
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