Enova(US:ENVA) ZACKS·2025-12-04 15:16Core Viewpoint - Enova International (ENVA) has shown strong stock performance, with a 5.8% increase over the past month and a 41.2% gain since the beginning of the year, outperforming both the Zacks Finance sector and the Zacks Financial - Consumer Loans industry [1] Financial Performance - Enova International has consistently beaten earnings estimates, reporting EPS of $3.36 against a consensus estimate of $3.05 in its last earnings report [2] - For the current fiscal year, the company is expected to post earnings of $12.77 per share on revenues of $3.16 billion, reflecting a 39.56% change in EPS and an 18.72% change in revenues [3] - Projections for the next fiscal year indicate earnings of $14.11 per share on revenues of $3.65 billion, representing year-over-year changes of 10.54% and 15.83%, respectively [3] Valuation Metrics - Enova International has a Value Score of A, with Growth and Momentum Scores of A and F, respectively, resulting in a combined VGM Score of A [6] - The stock trades at 10.6X current fiscal year EPS estimates, below the peer industry average of 11.1X, while on a trailing cash flow basis, it trades at 12.3X compared to the peer group's average of 8.7X [7] Zacks Rank - Enova International holds a Zacks Rank of 2 (Buy), supported by rising earnings estimates, indicating potential for further stock price appreciation [8] Industry Comparison - The Financial - Consumer Loans industry is performing well, ranking in the top 41% of all industries, providing favorable conditions for both Enova International and its peer, Encore Capital Group Inc (ECPG) [11]