Enova International, Inc.
In the published model solve dated 2026-Q2, anchored at $230.58, Enova International, Inc. (ENVA) is priced for +1.0% growth. boothcheck publishes no house fair value, target price, or buy/sell rating; individual model outputs and user-controlled scenarios are analytical inputs, not Boothcheck targets. The narrative was composed July 25, 2026 from SEC EDGAR filings.
• Every loan Enova holds sits on the balance sheet at a modeled fair value rather than at cost with a reserve beside it, and 41.9% of 2025 revenue came straight back out as a change in that value before net revenue was struck. • The risk lives in the same place as the accounting: those values rest on unobservable inputs, and the 2025 annual report flags them as requiring ⟦a high degree of auditor judgment⟧. • Small business lending has become the growth engine, its combined balance up 34.0% in 2
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373 institutional managers reported holding ENVA in 13F filings for the quarter ended 2026-03-31. Together they hold about 88% of the company; the top 10 hold 46%. 48 opened new positions that quarter. Held by BlackRock, Vanguard Group, Dimensional Fund Advisors, among others. On the short side, 2.1M shares were sold short as of the 2026-06-15 count, about 8% of shares outstanding (6.6 days of typical volume to cover).
Quarterly 13F filings arrive up to 45 days after quarter end, so the picture is never current (filed through 2026-05-29). Nothing here is investment advice.
ENVA has cut its share count 32.4% over the past five years, spending $952.15M on repurchases. It pays no dividend. Cash returned over the past three years: $646.59M in repurchases.
Share counts are split-adjusted; repurchase totals are gross of share issuance. Nothing here is investment advice.
Open-market insider buys at ENVA over the trailing three years: 2025: 1 buy totaling $197k. 15 officers and directors are on file.
Code P open-market purchases from SEC Form 4 filings, non-derivative, excluding scheduled 10b5-1 plans. Nothing here is investment advice.
ENVA's recent reports: the day-one move, then what the following quarter actually did.
| report | day one | next quarter |
|---|---|---|
| 2023-07-29 | -2.5% | -7.1% |
| 2023-10-26 | -20.9% | +53.3% |
| 2024-02-24 | -7.8% | +3.0% |
| 2024-04-25 | +3.8% | -3.5% |
Day-one is the close-to-close move around the filing. Nothing here is investment advice.
ENVA's latest 8-K filings: 2026-08-21 (items 1.01, 2.03); 2026-08-14 (items 1.01, 2.03, 8.01); 2026-07-23 (items 2.02, 9.01); 2026-07-10 (items 5.02, 9.01); 2026-06-25 (items 1.01, 2.03).
Item codes are the SEC's own classification of what each report discloses. Dates link to the filing on EDGAR. Nothing here is investment advice.
Model solve date: 2026-Q2
Narrative composed: July 25, 2026
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For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.