A strong stock as of late has been Enova International (ENVA). Shares have been marching higher, with the stock up 13.8% over the past month. The stock hit a new 52-week high of $130.46 in the previous session. Enova International has gained 28.1% since the start of the year compared to the 12.7% gain for the Zacks Finance sector and the 43% return for the Zacks Financial - Consumer Loans industry.
What's Driving the Outperformance?
The stock has a great record of positive earnings surprises, as it hasn't missed our earnings consensus estimate in any of the last four quarters. In its last earnings report on October 23, 2025, Enova International reported EPS of $3.36 versus consensus estimate of $3.05 while it missed the consensus revenue estimate by 0.83%.
For the current fiscal year, Enova International is expected to post earnings of $12.77 per share on $3.16 in revenues. This represents a 39.56% change in EPS on a 18.72% change in revenues. For the next fiscal year, the company is expected to earn $14.11 per share on $3.65 in revenues. This represents a year-over-year change of 10.54% and 15.83%, respectively.
Valuation Metrics
Enova International may be at a 52-week high right now, but what might the future hold for the stock? A key aspect of this question is taking a look at valuation metrics in order to determine if the company is due for a pullback from this level.
On this front, we can look at the Zacks Style Scores, as they provide investors with an additional way to sort through stocks (beyond looking at the Zacks Rank of a security). These styles are represented by grades running from A to F in the categories of Value, Growth, and Momentum, while there is a combined VGM Score as well. The idea behind the style scores is to help investors pick the most appropriate Zacks Rank stocks based on their individual investment style.
Enova International has a Value Score of A. The stock's Growth and Momentum Scores are A and B, respectively, giving the company a VGM Score of A.
In terms of its value breakdown, the stock currently trades at 9.6X current fiscal year EPS estimates, which is not in-line with the peer industry average of 10.4X. On a trailing cash flow basis, the stock currently trades at 11.1X versus its peer group's average of 8.2X. This is good enough to put the company in the top echelon of all stocks we cover from a value perspective, making Enova International an interesting choice for value investors.
Zacks Rank
We also need to consider the stock's Zacks Rank, as this supersedes any trend on the style score front. Fortunately, Enova International currently has a Zacks Rank of #2 (Buy) thanks to favorable earnings estimate revisions from covering analysts.
Since we recommend that investors select stocks carrying Zacks Rank of 1 (Strong Buy) or 2 (Buy) and Style Scores of A or B, it looks as if Enova International meets the list of requirements. Thus, it seems as though Enova International shares could have a bit more room to run in the near term.
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Enova International, Inc. (ENVA): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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