Enova International (NYSE:ENVA) is gearing up to announce its quarterly earnings on Tuesday, 2026-01-27. Here's a quick overview of what investors should know before the release.

Analysts are estimating that Enova International will report an earnings per share (EPS) of $3.08.

Anticipation surrounds Enova International's announcement, with investors hoping to hear about both surpassing estimates and receiving positive guidance for the next quarter.

New investors should understand that while earnings performance is important, market reactions are often driven by guidance.

Performance in Previous Earnings

In the previous earnings release, the company beat EPS by $0.42, leading to a 9.36% increase in the share price the following trading session.

Here's a look at Enova International's past performance and the resulting price change:

Tracking Enova International's Stock Performance

Shares of Enova International were trading at $157.55 as of January 23. Over the last 52-week period, shares are up 39.54%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release.

Analysts' Take on Enova International

For investors, grasping market sentiments and expectations in the industry is vital. This analysis explores the latest insights regarding Enova International.

Analysts have given Enova International a total of 3 ratings, with the consensus rating being Buy. The average one-year price target is $186.33, indicating a potential 18.27% upside.

Comparing Ratings with Peers

The below comparison of the analyst ratings and average 1-year price targets of Credit Acceptance, Dave and Jefferson Capital, three prominent players in the industry, gives insights for their relative performance expectations and market positioning.

• Analysts currently favor an Sell trajectory for Credit Acceptance, with an average 1-year price target of $430.0, suggesting a potential 172.93% upside.
• Analysts currently favor an Outperform trajectory for Dave, with an average 1-year price target of $299.43, suggesting a potential 90.05% upside.
• Analysts currently favor an Outperform trajectory for Jefferson Capital, with an average 1-year price target of $27.33, suggesting a potential 82.65% downside.

Snapshot: Peer Analysis

Within the peer analysis summary, vital metrics for Credit Acceptance, Dave and Jefferson Capital are presented, shedding light on their respective standings within the industry and offering valuable insights into their market positions and comparative performance.

Key Takeaway:

Enova International ranks first in revenue growth among its peers. It is in the middle for gross profit. Enova International has the lowest return on equity compared to its peers.

Unveiling the Story Behind Enova International

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Enova International: Financial Performance Dissected

Market Capitalization: With restricted market capitalization, the company is positioned below industry averages. This reflects a smaller scale relative to peers.

Revenue Growth: Enova International displayed positive results in 3 months. As of 30 September, 2025, the company achieved a solid revenue growth rate of approximately 16.34%. This indicates a notable increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.

Net Margin: Enova International's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of 10.01%, the company may encounter challenges in effective cost control.

Return on Equity (ROE): Enova International's ROE stands out, surpassing industry averages. With an impressive ROE of 6.39%, the company demonstrates effective use of equity capital and strong financial performance.

Return on Assets (ROA): Enova International's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 1.37%, the company may encounter challenges in delivering satisfactory returns from its assets.

Debt Management: With a high debt-to-equity ratio of 3.22, Enova International faces challenges in effectively managing its debt levels, indicating potential financial strain.

To track all earnings releases for Enova International visit their earnings calendar on our site.

This article was generated by Benzinga's automated content engine and reviewed by an editor.