Core Viewpoint - Oportun Financial Corporation (OPRT) and Enova International Inc. (ENVA) are fintech companies focused on providing credit solutions to underserved consumers, leveraging advanced analytics and digital platforms to serve non-prime borrowers in the alternative lending sector [1][5]. Group 1: Company Performance - Oportun's shares have increased by 32.2% this year, while Enova's shares have risen by 2.1% [2]. - Oportun's total revenues are projected to be between $225 million and $230 million in Q1 2025, down from $250.5 million in the same quarter last year, with 2025 revenues expected to be in the range of $945 million to $970 million compared to $1 billion in 2024 [8]. - Enova's revenues have experienced a compound annual growth rate (CAGR) of 17.7% over the last five years [16]. Group 2: Revenue Growth and Strategies - Oportun has achieved a five-year CAGR of 10.8% in total revenues, with loans receivable at fair value and interest income growing at CAGRs of 8.1% and 10.8%, respectively [7][11]. - Enova's loans and finance receivables recorded a five-year CAGR of 48.6%, supported by its diverse lending programs and acquisition of OnDeck [21]. - Oportun's non-interest income has shown a CAGR of 6.4% over the past five years, indicating a growing revenue stream beyond interest [12]. Group 3: Financial Position - As of December 31, 2024, Oportun had cash and cash equivalents totaling $214.6 million and a debt of $69.1 million, indicating a strong liquidity position [14]. - Enova's cash and cash equivalents were $322.7 million, with a long-term debt of $3.6 billion and $944 million in available revolving credit facilities [22][23]. Group 4: Future Estimates - The Zacks Consensus Estimate for Oportun's 2025 revenues implies a year-over-year decline of 3.6%, while 2026 revenues are expected to rise by 8.4% [24]. - Enova's consensus estimates suggest a year-over-year revenue increase of 16.1% for 2025 and 15% for 2026, with earnings growth of 26% and 19% for the same years, respectively [28]. Group 5: Valuation Analysis - Oportun is currently trading at a price-to-tangible book (P/TB) ratio of 0.84X, which is higher than its three-year median, while Enova's P/TB ratio is 2.99X, lower than its three-year median [31]. - Oportun's stock is considered inexpensive compared to Enova, which may present a better investment opportunity [39]. Group 6: Investment Recommendation - Oportun's focus on community-based lending and expansion into new markets, despite near-term profitability challenges, positions it as a potentially better investment choice compared to Enova, which has a broader portfolio but may face risks from exposure to subprime borrowers [38][39]. - Oportun holds a Zacks Rank 1 (Strong Buy), while Enova has a Zacks Rank 2 (Buy), indicating a stronger recommendation for Oportun [40].

Core Insights - Enova International will release its first quarter 2025 financial results on April 29, 2025, after market close [1] - A conference call to discuss the results will be held at 4 p.m. Central Time on the same day [2] - Enova has provided $59 billion in loans and financing to nearly 12 million customers over its 20-year history [4] Financial Results Announcement - The financial results will be available after market close on April 29, 2025 [1] - The earnings press release and supplemental financial information will be accessible on the Enova International Investor Relations website [2] Conference Call Details - The U.S. dial-in number for the call is 1-855-560-2575, with a separate number for non-U.S. callers [3] - A replay of the conference call will be available until May 6, 2025 [3] - The archived version of the webcast will be accessible for 90 days on the Investor Relations website [3] Company Overview - Enova International is a leading online financial services company serving small businesses and consumers underserved by traditional banks [4] - The company utilizes machine learning algorithms and proprietary technology to offer market-leading financial products [4]

Core Viewpoint - Wall Street anticipates a year-over-year increase in earnings for Enova International (ENVA) due to higher revenues, with actual results being crucial for stock price movement [1] Earnings Expectations - Enova International is expected to report quarterly earnings of $2.77 per share, reflecting a +45% year-over-year change, with revenues projected at $727.3 million, up 19.3% from the previous year [3] Estimate Revisions - The consensus EPS estimate has remained unchanged over the last 30 days, indicating stability in analyst expectations [4] Earnings Surprise Prediction - The Zacks Earnings ESP model shows a positive Earnings ESP of +2.41% for Enova International, suggesting analysts are optimistic about the company's earnings prospects [10] - The stock holds a Zacks Rank of 2, indicating a strong likelihood of beating the consensus EPS estimate [11] Historical Performance - Enova International has consistently beaten consensus EPS estimates, achieving this in the last four quarters, including a +12.02% surprise in the most recent quarter [12][13] Conclusion - Enova International is positioned as a compelling candidate for an earnings beat, but investors should consider additional factors beyond earnings expectations [16]

Core Insights - Enova International (ENVA) has consistently beaten earnings estimates, particularly in the last two quarters, with an average surprise of 9.27% [1][2] - The company reported earnings of $2.61 per share for the most recent quarter, exceeding the expected $2.33 per share by 12.02% [2] - For the previous quarter, Enova reported $2.45 per share against an expectation of $2.30 per share, resulting in a surprise of 6.52% [2] Earnings Estimates and Predictions - Recent estimates for Enova International have been increasing, indicating positive sentiment among analysts [5] - The Zacks Earnings ESP for Enova is currently +2.41%, suggesting a bullish outlook on the company's earnings prospects [8] - Stocks with a positive Earnings ESP and a Zacks Rank of 3 (Hold) or better have a nearly 70% chance of producing a positive surprise [6] Earnings ESP and Zacks Rank - The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate, with the Most Accurate Estimate reflecting the latest analyst revisions [7] - Enova's Zacks Rank is 2 (Buy), which, combined with its positive Earnings ESP, indicates a strong possibility of another earnings beat [8] - A negative Earnings ESP does not necessarily indicate an earnings miss, but it reduces predictive power [8]

Company Overview - Enova International (ENVA) shares increased by 11.7% to close at $96.24, supported by high trading volume, contrasting with a 2.9% loss over the past four weeks [1] - The company is expected to report quarterly earnings of $2.77 per share, reflecting a year-over-year increase of 45%, with revenues projected at $727.3 million, up 19.3% from the previous year [3] Market Context - The sharp rally in Enova International shares was influenced by a broader market upturn following President Donald Trump's announcement of a 90-day suspension on tariffs for non-retaliating countries, which alleviated trade tensions and improved market sentiment [2] - The consensus EPS estimate for Enova has remained stable over the last 30 days, indicating that stock price movements may not sustain without trends in earnings estimate revisions [4] Industry Comparison - Enova International operates within the Zacks Financial - Consumer Loans industry, where another company, Discover (DFS), saw a 15.3% increase in its stock price, closing at $170.85, despite a -6.1% return over the past month [4] - Discover's consensus EPS estimate has decreased by 1.2% to $3.33, representing a significant year-over-year change of +202.7% [5]

Core Insights - The article emphasizes the importance of a proven ranking system that focuses on earnings estimates and revisions to identify winning stocks [1] - Value investing is highlighted as a popular and successful strategy across various market conditions, relying on fundamental analysis and traditional valuation metrics [2] - The Zacks Rank and Style Scores system are tools for investors to identify high-quality value stocks, particularly those with high Zacks Ranks and "A" grades for Value [3] Company Analysis: Enova International (ENVA) - Enova International is currently rated 1 (Strong Buy) by Zacks and has an "A" grade for Value, indicating strong investor interest [4] - The stock has a Forward P/E ratio of 8.03, which is lower than the industry average of 8.92, suggesting potential undervaluation [4] - Over the past 12 months, ENVA's Forward P/E has fluctuated between a high of 10.85 and a low of 6.47, with a median of 8.42 [4] - The P/S ratio for ENVA is 0.97, compared to the industry's average P/S of 1.33, further indicating that the stock may be undervalued [5] - Overall, the metrics suggest that Enova International is likely undervalued and stands out as one of the strongest value stocks in the market based on its earnings outlook [6]

Group 1: Enova International, Inc. (ENVA) - Enova International is a technology and analytics company providing online financial services with a Zacks Rank 1 [1] - The Zacks Consensus Estimate for its current year earnings has increased by 6.7% over the last 60 days [1] - The company has a price-to-earnings ratio (P/E) of 8.87, compared to 12.00 for the industry, and possesses a Value Score of A [1] Group 2: Origin Bancorp, Inc. (OBK) - Origin Bancorp is a bank holding company for Origin Bank with a Zacks Rank 1 [2] - The Zacks Consensus Estimate for its current year earnings has increased nearly 13% over the last 60 days [2] - The company has a price-to-earnings ratio (P/E) of 11.49, compared to 20.85 for the S&P 500, and possesses a Value Score of B [2] Group 3: Northeast Community Bancorp, Inc. (NECB) - Northeast Community Bancorp is a holding company for NorthEast Community Bank with a Zacks Rank 1 [3] - The Zacks Consensus Estimate for its current year earnings has increased by 4.6% over the last 60 days [3] - The company has a price-to-earnings ratio (P/E) of 7.36, compared to 9.50 for the industry, and possesses a Value Score of B [3]

Group 1 - Enova International (ENVA) shares have remained stable with a 0% gain over the past four weeks, closing at $101.94, but analysts suggest a potential upside of 27.1% based on a mean price target of $129.57 [1] - The mean estimate is derived from seven short-term price targets with a standard deviation of $9.71, indicating variability among analysts; the lowest estimate suggests a 6.9% increase, while the highest predicts a 35.4% surge to $138 [2] - Analysts are optimistic about ENVA's earnings prospects, as indicated by a positive trend in earnings estimate revisions, which historically correlate with stock price movements [4][11] Group 2 - The Zacks Consensus Estimate for ENVA's current year earnings has increased by 1.6% over the past month, with one estimate rising and no negative revisions [12] - ENVA holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimates, suggesting a strong potential for upside [13] - While consensus price targets may not be entirely reliable, the direction they imply appears to be a good guide for potential price movements [13]

Core Viewpoint - The stock markets have faced significant volatility, impacting Enova International, Inc. (ENVA), which has seen a 15.6% decline in share price over the past month, underperforming its industry and peers [1][4]. Market Conditions - The recent market downturn is attributed to the ongoing tariff war and economic slowdown in the U.S., characterized by stalling manufacturing, weakening job growth, and declining consumer confidence [4]. - Inflationary pressures have risen, with consumer inflation expectations reaching their highest level since November 2023, contributing to market fear and ambiguity [4]. Company Performance - ENVA's revenue growth has been strong, with a compound annual growth rate (CAGR) of 17.7% for revenues and 48.6% for loans and finance receivables over the last five years (2019-2024) [6]. - The company has diversified its offerings, including installment loans, lines of credit, and small business financing, which supports revenue generation [10]. Growth Opportunities - Enova aims to capitalize on the $78 billion U.S. consumer lending opportunity and the $308 billion small business loan market, driven by the rise of e-commerce and online financial services [11]. - The company has leveraged technology to enhance lending activities, accumulating over 85 terabytes of consumer behavior data, which aids in underwriting and reduces default risks [16][17]. Financial Health - As of December 31, 2024, Enova had cash and cash equivalents totaling $322.7 million and a long-term debt of $3.6 billion, with $944 million in revolving credit facilities available [19]. - The company has not paid dividends but has initiated a $300 million share repurchase plan, with $234.6 million remaining for repurchase as of December 31, 2024 [20]. Analyst Sentiment - The Zacks Consensus Estimate for Enova's 2025 earnings is $11.50 per share, reflecting a 25.7% year-over-year growth, with a marginal increase in the 2026 earnings estimate to $13.65 [21][23]. - Enova's return on equity (ROE) stands at 19.94%, outperforming the industry average of 13.09% and its peers [24][27]. Valuation and Risks - Enova's price-to-book ratio (P/B) is 2.03X, higher than the industry's 0.80X, indicating that the stock is trading at a premium [32]. - The company has experienced a five-year CAGR of 23.9% in expenses, primarily due to increased marketing and administrative costs, which may continue in the near term [29][30].

Core Viewpoint - The article emphasizes the importance of value investing and highlights Enova International (ENVA) as a strong candidate for value investors due to its favorable metrics and Zacks Rank [1][2][6]. Company Summary - Enova International (ENVA) currently holds a Zacks Rank of 1 (Strong Buy) and has a Value grade of A, indicating strong potential for value investors [4]. - The stock has a Forward P/E ratio of 8.71, which is lower than the industry average of 9.48, suggesting it may be undervalued [4]. - ENVA's Forward P/E has fluctuated between a high of 10.85 and a low of 6.47 over the past year, with a median of 8.33 [4]. - The company has a P/S ratio of 0.99, compared to the industry's average P/S of 1.4, further indicating potential undervaluation [5]. - Overall, ENVA's strong earnings outlook and key metrics suggest it is an impressive value stock at the moment [6].