ENVA Enova International, Inc. · $232.52 Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤 Terminal终端 ↗

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Enova International, Inc. · Financials

ENVA

$232.52
Financial金融股 Mid cap中盘 $6B
Engine stance引擎立场2026-07-20
Extended — don't chase; wait for a pullback过度拉升 — 勿追高；等待回撤
The bottoming setup is not yet confirmed (price still below the 10-day average) and oscillators are already extended/ove筑底形态尚未确认（价格仍位于 10 日均线下方），且摆动指标已过热——此处入场风险较高。等待价格收复 10 日均线且动量趋于稳定后再考虑建仓。
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Key Statistics关键统计

Price价格
$232.52
4.0% below 52-week high低于52周高点 4.0%
Market Cap市值
$6B
Normal volume正常成交量
P/E Ratio市盈率
18.6x
15.0x sector median
Beta贝塔
1.28
Moves about 1.3x the market波动幅度约为市场的 1.3 倍
RSI (14)RSI（14）
63
Elevated偏高
Next Earnings下次财报
2026-07-23 (4d)
Volatility Rank波动率分位
69th pctile
hist. vol. percentile历史波动率分位数
Short Interest空头兴趣
9.3% of float

Performance价格表现

Period周期 ENVA S&P 500vs Index对比指数
1 Week近1周 -2.3% -1.5% In line with the index与指数基本持平
1 Month近1月 +17.9% +0.6% Beat the index by 17.3 points跑赢指数 17.3 个百分点
3 Months近3月 +42.8% +4.7% Beat the index by 38.1 points跑赢指数 38.1 个百分点
6 Months近6月 +48.2% +7.8% Beat the index by 40.4 points跑赢指数 40.4 个百分点
Year to date年初至今 +43.6% +9.1% Beat the index by 34.5 points跑赢指数 34.5 个百分点
1 Year近1年 +102.4% +19.4% Beat the index by 83.0 points跑赢指数 83.0 个百分点
3 Years近3年 +305.3% +69.4% Beat the index by 235.9 points跑赢指数 235.9 个百分点

Technicals技术面

RSI (14)RSI（14） 63 Elevated偏高
vs 50-day相对50日均线 +20.0% vs 50-day avg
vs 200-day相对200日均线 +50.0% vs 200-day avg
Volatility rank波动率分位 69th percentile 分位
Engine reference levels — not advice引擎参考水平 — 非投资建议
Buy zone买入区间
$228.90
Don't chase above不追高于
$232.50
Stop止损
$189.20
Extended — wait for a pullback过度拉伸 — 等待回撤

Earnings财务业绩

4
days until next report天后公布财报
2026-07-23

Estimates roughly stable预期基本稳定

Earnings call transcripts — coming soon财报电话会议记录 — 即将上线

Valuation估值

Multiple指标 ENVA Sector median行业中位 Cheaper than相对便宜
P/E (trailing)市盈率（历史） 18.64x 14.99
29%
P/B市净率 4.30x 1.52
9%
P/S市销率 1.82x 2.87
66%
Earnings yield盈利收益率 5.37% 6.58
32%
Shareholder yield股东收益率 3.73% 3.91
46%
Analyst price targets — coming soon分析师目标价 — 即将上线

Financials财务数据

Revenue营业收入
$1.1B
2020
$1.2B
2021
$1.7B
2022
$2.1B
2023
$2.7B
2024
$3.2B
2025
5yr CAGR5年复合增速: 23.8%
Earnings Per Share每股收益
$11.70
2020
$6.79
2021
$6.19
2022
$5.49
2023
$7.43
2024
$11.52
2025
5yr CAGR5年复合增速: -0.3%
Free Cash Flow自由现金流
$711.4M
2020
$442.2M
2021
$850.4M
2022
$1.1B
2023
$1.5B
2024
$1.8B
2025
Margins利润率
Gross margin毛利率
58.1%
Operating margin营业利润率
23.5%
Net margin净利率
9.8%
FCF margin自由现金流利润率
57.7%
23.1%Return on Equity股本回报率
4.8%Return on Assets资产回报率
Leverage杠杆
Net debt / EBITDA净债务/EBITDA5.67
Capital Allocation资本配置
Buybacks (TTM)回购（TTM）$214.6M
Stock-based comp股权薪酬$33.1M
Share count change (1y)股数变化（1年）-4.2%
Piotroski皮奥特罗斯基 6/8 Altman Z阿尔特曼Z: grey (2.0) Watch关注

Snapshot Gauges综合指标

Valuation vs Sector估值相对行业
Roughly fair vs sector相对行业估值合理
Cheaper than 35% of its sector on blended multiples综合估值倍数低于行业内 35% 的公司
Beta市场敏感度
1.28×
0.21×3×
Moves about 1.3× the market波动幅度约为市场的 1.3 倍
Financial Health财务健康
6/8
Altman阿尔特曼: grey
Adequate financial health财务健康状况一般
Dividend分红
—
Does not pay a dividend不派发股息

Why Is It Moving为何波动

Macro宏观 Short-duration name into a restrictive, rising-real-rate regime → rate tailwind.短久期标的进入偏紧、实际利率上行的环境→利率顺风。
Positioning持仓 Short interest changed +11.7%空头仓位变动 +11.7%
Technical技术面 BOTTOMING → NEARING A HIGH筑底中 → 接近高点

Ownership & Smart Money持仓与聪明钱

Insider activity内部人员活动: -$25.4M net (0 buyers, 5 sellers)-$25.4M 净值（0 买家，5 卖家）

Signal History信号历史

NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP. Buyers rejected the 2026-06-15 low (swing low printed) but price hasn't reclaimed its 10-day average — first box ticked, not all买入预备。买方拒绝了 2026-06-15 的低点（摆动低点已现），但价格尚未收复 10 日均线——第一项条件达成，并非全部
TURN SIGNALED BOTTOMING
Jul 15, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 15, 2026
ENVA took relative-strength leadershipENVA 取得相对强弱领先
Relative strength vs SPY crossed above the 90th percentile of the last 90 days — leadership tends to persist. $235.66.相对标普500的强弱上穿近90日的第90百分位 — 领先往往延续。$235.66。
Jul 13, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jul 10, 2026
ENVA daily MACD crossed downENVA 日线MACD下穿
The daily MACD histogram turned negative — fast and noisy, context rather than a standalone trigger. $238.09.日线MACD柱状图转负 — 快速且嘈杂，仅作背景。$238.09。
Jul 9, 2026
BOTTOMING → NEARING A HIGH筑底中 → 接近高点
TAKE PROFITS止盈
Jul 9, 2026
ENVA RSI reached overboughtENVA RSI进入超买
RSI(14) crossed above 70 — stretched to the upside; context, not a timing trigger alone. $236.40.RSI(14)上穿70 — 上行过度；仅作背景，单独不构成择时。$236.40。
Jul 8, 2026
NEARING A HIGH → BOTTOMING接近高点 → 筑底中
BUY SETUP买入预备
Jun 16, 2026
ENVA made a new 52-week highENVA 创52周新高
Price reached a fresh 52-week high — a momentum / trend extreme the whole market watches. $193.80.价格创出52周新高 — 全市场关注的动量/趋势极值。$193.80。
Jun 15, 2026
NEARING A HIGH → UPTREND接近高点 → 上涨趋势
HOLD持有

Showing last 15 of显示最近15条，共 250 signals条信号

Factor Profile因子特征

Composite factor score综合因子得分: 0.31
Value价值
+0.0
Profitability盈利能力
-0.2
Quality质量
+3.0
Investment资本投入
-0.8
Shareholder payout股东回报
-0.1
Low volatility低波动
-0.0
Low market beta低市场敏感度
-0.6
Earnings quality盈利质量
+3.0
Short interest空头兴趣
-0.4

Company Profile公司档案

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