Enova International, Inc.

ENVA · Personal Credit Institutions · 24.9M shares · -2%/yr ↓ buyback · EDGAR filings ↗

Net buyback after stock comp: $126M (gross $153M, SBC $27M)

Reference price $201.37 · est. market cap ~$5.0B — last insider sale, 2026-06-18 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)

Grade

B74

Enova International — profitable online subprime/near-prime lender.

Strengths

Operating margin 23.5% (89th pct), ROE 23.1% (83rd), ROA (92nd)
Diversified consumer + small-business online lending; strong OCF (93rd)

Risks

High leverage (D/E 3.4, 80th); subprime credit-cycle exposure
Regulatory (CFPB/state) risk

Notable findings

RestatementRisks Related to our Common Stock and the Securities Market Certain provisions of our restated certificate of incorporation, amended and restated bylaws and Delaware law may discourage takeovers 8-K ↗
Exec changeRecent 8-K item 5.02 8-K ↗
High leverageHigh leverage (debt/equity 3.37)
Insider sellingInsider selling — 21 open-market sale(s) by 7 insider(s) (cluster of 7 insiders, ~$42M, last 6mo) Form 4 ↗

Quarterly revenue

2025-06-30 · $764M2025-09-30 · $803M2025-12-31 · $839M2026-03-31 · $875M

Last 4 quarters · from SEC filings.

Key metrics

Gross margin

58.1%

Operating margin

23.5%

Net margin

9.8%

Return on equity

23.1%

Return on assets

4.8%

ROIC

10.0%

Revenue growth (QoQ)

4.3%

Net-income growth

47.2%

Debt / equity

3.4×

Net debt / EBITDA

5.7×

Interest coverage

2.2×

EBITDA

$781M

Tangible book value

$1.1B

Cash & investments

$72M

Stock comp / revenue

1.1%

Insider transactions · last 18 months

Date	Insider	Type	Shares	Price
2026-06-18	TEBBE MARK	Sell	20K	$201.37
2026-06-17	Fisher David	Option exercise	33K	$20.73
2026-06-17	Fisher David	Sell	33K	$199.05
2026-06-16	GOODYEAR WILLIAM M	Sell	3.5K	$188.02
2026-06-12	GOODYEAR WILLIAM M	Gift	8.4K	—
2026-06-01	GOODYEAR WILLIAM M	Sell	6.0K	$163.13
2026-05-29	RICE LINDA JOHNSON	Sell	1.3K	$161.20
2026-05-22	Fisher David	Option exercise	3.1K	$20.73
2026-05-22	Fisher David	Sell	3.1K	$158.45
2026-05-21	Fisher David	Option exercise	7.2K	$20.73
2026-05-21	Fisher David	Sell	7.2K	$160.37
2026-05-18	GOODYEAR WILLIAM M	Sell	6.2K	$166.08
2026-05-13	CARNAHAN ELLEN	Grant	1.3K	—
2026-05-13	Gray James A	Grant	1.3K	—
2026-05-13	KAPLAN GREGG A.	Grant	1.3K	—
2026-05-13	GOODYEAR WILLIAM M	Grant	1.3K	—
2026-05-13	RICE LINDA JOHNSON	Grant	1.3K	—
2026-05-13	McGowan Mark	Grant	1.3K	—
2026-05-13	TEBBE MARK	Grant	1.3K	—
2026-05-13	Corby Lindsay Y	Grant	1.3K	—
2026-05-13	FEEHAN DANIEL R	Grant	1.3K	—
2026-05-10	Cornelis Scott	Tax withheld	544	$174.90
2026-05-07	Fisher David	Sell	20K	$173.18
2026-04-28	Cunningham Steven E	Sell	4.2K	$175.50
2026-04-28	Cunningham Steven E	Option exercise	3.7K	$31.98
2026-04-28	Cunningham Steven E	Sell	3.7K	$175.50
2026-02-18	Fisher David	Sell	7.1K	$149.49
2026-02-11	Cornelis Scott	Grant	3.3K	—
2026-02-11	Fisher David	Grant	14K	—
2026-02-11	Lee James Joseph	Grant	1.2K	—
2026-02-11	Rahilly Sean	Grant	3.2K	—
2026-02-11	Cunningham Steven E	Grant	16K	—
2026-02-11	Chartier Kirk	Grant	4.6K	—
2026-02-11	Rahilly Sean	Grant	9.5K	—
2026-02-11	Lee James Joseph	Grant	3.7K	—
2026-02-08	Fisher David	Tax withheld	8.7K	$161.10
2026-02-08	Cornelis Scott	Tax withheld	246	$161.10
2026-02-08	Chartier Kirk	Tax withheld	1.8K	$161.10
2026-02-08	Cunningham Steven E	Tax withheld	2.6K	$161.10
2026-02-08	Chartier Kirk	Tax withheld	3.1K	$161.10
2026-02-08	Lee James Joseph	Tax withheld	251	$161.10
2026-02-08	Cunningham Steven E	Tax withheld	5.2K	$161.10
2026-02-08	Rahilly Sean	Tax withheld	843	$161.10
2026-02-08	Rahilly Sean	Tax withheld	872	$161.10
2026-02-08	Lee James Joseph	Tax withheld	246	$161.10
2026-02-08	Cornelis Scott	Tax withheld	242	$161.10
2026-02-08	Fisher David	Tax withheld	8.4K	$161.10
2026-02-06	Rahilly Sean	Tax withheld	3.9K	$161.10
2026-02-06	Fisher David	Tax withheld	7.0K	$161.10
2026-02-06	Cunningham Steven E	Tax withheld	2.0K	$161.10
2026-02-06	Cornelis Scott	Tax withheld	269	$161.10
2026-02-06	Lee James Joseph	Tax withheld	273	$161.10
2026-02-06	Chartier Kirk	Tax withheld	1.4K	$161.10
2026-02-05	Lee James Joseph	Tax withheld	156	$159.78
2026-02-05	Fisher David	Tax withheld	4.0K	$159.78
2026-02-05	Rahilly Sean	Tax withheld	450	$159.78
2026-02-05	Chartier Kirk	Tax withheld	795	$159.78
2026-02-05	Cornelis Scott	Tax withheld	158	$159.78
2026-02-05	Cunningham Steven E	Tax withheld	3.9K	$159.78
2026-02-02	Gray James A	Sell	10.0K	$172.22
2026-02-02	TEBBE MARK	Sell	20K	$172.24
2026-02-02	Gray James A	Sell	10K	$172.22
2026-02-02	Gray James A	Sell	10K	$171.86
2026-01-30	Rahilly Sean	Option exercise	13K	$20.73
2026-01-30	Rahilly Sean	Sell	13K	$164.28
2026-01-30	Fisher David	Sell	38K	$165.31
2026-01-30	Fisher David	Option exercise	38K	$23.96
2026-01-30	Cunningham Steven E	Sell	3.0K	$165.25
2026-01-30	Cunningham Steven E	Option exercise	11K	$20.73
2026-01-30	Cunningham Steven E	Sell	11K	$165.13
2026-01-26	Fisher David	Option exercise	9.6K	$23.96
2026-01-26	Fisher David	Sell	9.6K	$157.81
2025-12-22	GOODYEAR WILLIAM M	Gift	2.6K	—
2025-12-16	Fisher David	Option exercise	15K	$23.96
2025-12-16	Fisher David	Sell	15K	$160.24
2025-11-21	Fisher David	Option exercise	6.0K	$23.96
2025-11-21	Fisher David	Sell	6.0K	$124.25
2025-10-29	Cunningham Steven E	Sell	3.4K	$120.50
2025-10-29	Cunningham Steven E	Option exercise	11K	$20.73
2025-10-29	Cunningham Steven E	Sell	11K	$120.76
2025-10-27	Fisher David	Sell	6.0K	$122.61
2025-10-27	Fisher David	Option exercise	6.0K	$23.96
2025-09-19	Fisher David	Sell	6.0K	$125.89
2025-09-19	Fisher David	Option exercise	6.0K	$23.96
2025-09-17	Fisher David	Option exercise	35K	$23.96
2025-09-17	Fisher David	Sell	35K	$125.55
2025-09-10	RICE LINDA JOHNSON	Buy	1.7K	$115.95
2025-09-04	Fisher David	Option exercise	20K	$23.96
2025-09-04	Fisher David	Sell	20K	$121.96
2025-08-29	Fisher David	Sell	10K	$121.80
2025-08-29	Fisher David	Option exercise	10K	$23.96
2025-08-28	Fisher David	Option exercise	15K	$23.96
2025-08-28	Fisher David	Sell	15K	$121.80
2025-08-28	Rahilly Sean	Sell	3.0K	$122.64
2025-08-26	Fisher David	Option exercise	5.0K	$23.96
2025-08-26	Fisher David	Sell	5.0K	$117.80
2025-08-12	Chartier Kirk	Option exercise	17K	$20.73
2025-08-12	Chartier Kirk	Sell	17K	$108.80
2025-07-29	Cunningham Steven E	Option exercise	23K	$20.73
2025-07-29	Lee James Joseph	Sell	478	$105.61
2025-07-29	Cunningham Steven E	Sell	23K	$105.75
2025-07-29	Cunningham Steven E	Sell	3.4K	$105.50
2025-07-14	Fisher David	Option exercise	5.0K	$23.96
2025-07-14	Fisher David	Sell	5.0K	$115.23
2025-06-20	Fisher David	Option exercise	2.0K	$23.96
2025-06-20	Fisher David	Sell	2.0K	$98.42
2025-05-22	Fisher David	Option exercise	2.0K	$23.96
2025-05-22	Fisher David	Sell	2.0K	$91.52
2025-05-14	KAPLAN GREGG A.	Grant	1.8K	—
2025-05-14	CARNAHAN ELLEN	Grant	1.8K	—
2025-05-14	Corby Lindsay Y	Grant	1.8K	—
2025-05-14	GOODYEAR WILLIAM M	Grant	1.8K	—
2025-05-14	Gray James A	Grant	1.8K	—
2025-05-14	McGowan Mark	Grant	1.8K	—
2025-05-14	RICE LINDA JOHNSON	Grant	1.8K	—
2025-05-14	TEBBE MARK	Grant	1.8K	—
2025-05-14	FEEHAN DANIEL R	Grant	1.8K	—
2025-05-05	Rahilly Sean	Option exercise	15K	$23.96
2025-05-05	Rahilly Sean	Sell	9.0K	$95.05
2025-05-02	Lee James Joseph	Sell	550	$94.74
2025-05-02	Cunningham Steven E	Option exercise	23K	$20.73
2025-05-02	Cunningham Steven E	Sell	23K	$93.80
2025-05-02	Cunningham Steven E	Sell	2.6K	$94.01
2025-05-02	Cunningham Steven E	Sell	4.2K	$94.01
2025-04-28	Fisher David	Option exercise	2.0K	$23.96
2025-04-28	Fisher David	Sell	2.0K	$98.65
2025-03-25	Fisher David	Option exercise	5.0K	$23.96
2025-03-25	Fisher David	Sell	5.0K	$101.75
2025-02-24	RICE LINDA JOHNSON	Sell	2.5K	$103.11
2025-02-09	Lee James Joseph	Tax withheld	393	$114.86
2025-02-09	Chartier Kirk	Tax withheld	5.5K	$114.86
2025-02-09	Rahilly Sean	Tax withheld	2.7K	$114.86
2025-02-09	Fisher David	Tax withheld	25K	$114.86
2025-02-09	Cunningham Steven E	Tax withheld	6.6K	$114.86
2025-02-08	Rahilly Sean	Tax withheld	843	$114.86
2025-02-08	Cunningham Steven E	Tax withheld	5.2K	$114.86
2025-02-08	Cunningham Steven E	Tax withheld	2.6K	$114.86
2025-02-08	Fisher David	Tax withheld	8.4K	$114.86
2025-02-08	Fisher David	Tax withheld	8.7K	$114.86
2025-02-08	Rahilly Sean	Tax withheld	872	$114.86
2025-02-08	Chartier Kirk	Tax withheld	3.1K	$114.86
2025-02-08	Chartier Kirk	Tax withheld	1.8K	$114.86
2025-02-08	Lee James Joseph	Tax withheld	265	$114.86
2025-02-08	Lee James Joseph	Tax withheld	251	$114.86
2025-02-07	Cunningham Steven E	Option exercise	21K	$23.96
2025-02-07	Lee James Joseph	Sell	455	$116.59
2025-02-07	Cunningham Steven E	Sell	21K	$116.50
2025-02-07	Cunningham Steven E	Sell	4.9K	$116.50
2025-02-06	Chartier Kirk	Tax withheld	1.5K	$116.49
2025-02-06	Lee James Joseph	Tax withheld	293	$116.49
2025-02-06	Cunningham Steven E	Tax withheld	2.1K	$116.49
2025-02-06	Fisher David	Tax withheld	5.7K	$116.49
2025-02-06	Rahilly Sean	Tax withheld	4.0K	$116.49
2025-02-05	Fisher David	Grant	36K	—
2025-02-05	Lee James Joseph	Grant	1.8K	—
2025-02-05	Rahilly Sean	Grant	4.1K	—
2025-02-05	Chartier Kirk	Grant	6.8K	—
2025-02-05	Cunningham Steven E	Grant	35K	—

All non-derivative Form 4 activity (SEC), newest first.

Notable events (8-K)

Date	Items
2026-06-25	Material agreementDebt obligation	filing ↗
2026-05-13	Shareholder vote	filing ↗
2026-04-23	ResultsExhibits	filing ↗
2026-04-01	Material agreementDebt obligation	filing ↗
2026-01-27	ResultsExhibits	filing ↗
2026-01-02	Exec/director changeExhibits	filing ↗
2025-12-18	Material agreementExhibits	filing ↗
2025-12-11	Material agreementReg FDExhibits	filing ↗

Recent filings

Form	Filed	Period	Accession
8-K	2026-06-25	2026-06-25	0001193125-26-283034 ↗
8-K	2026-05-13	2026-05-13	0001193125-26-221703 ↗
10-Q	2026-04-23	2026-03-31	0001193125-26-174021 ↗
8-K	2026-04-23	2026-04-23	0001193125-26-173746 ↗
8-K	2026-04-01	2026-03-30	0001193125-26-137956 ↗
10-K	2026-02-20	2025-12-31	0001193125-26-060461 ↗
8-K	2026-01-27	2026-01-27	0001193125-26-024499 ↗
8-K/A	2026-01-02	2025-07-24	0001193125-26-000953 ↗
8-K	2025-12-18	2025-12-18	0001193125-25-325071 ↗
8-K	2025-12-11	2025-12-10	0001193125-25-315025 ↗
8-K	2025-11-24	2025-11-24	0001193125-25-293725 ↗
8-K	2025-11-13	2025-11-13	0001193125-25-280232 ↗