Financial technology company Enova International (NYSE: ENVA) will be reporting results this Thursday after market close. Here’s what to look for.
Enova beat analysts’ revenue expectations by 0.9% last quarter, reporting revenues of $764 million, up 21.6% year on year. It was a strong quarter for the company, with and a beat of analysts’ EPS estimates.
Is Enova a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.
This quarter, analysts are expecting Enova’s revenue to grow 16.9% year on year to $806.7 million, slowing from the 25.1% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $3.03 per share.
Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Enova has missed Wall Street’s revenue estimates twice over the last two years.
Looking at Enova’s peers in the consumer finance segment, some have already reported their Q3 results, giving us a hint as to what we can expect. Capital One delivered year-on-year revenue growth of 53.4%, beating analysts’ expectations by 2.2%, and Synchrony Financial reported flat revenue, topping estimates by 0.9%. Synchrony Financial traded down 3.5% following the results.
Read our full analysis of Capital One’s results here and Synchrony Financial’s results here.
Questions about potential tariffs and corporate tax changes have caused much volatility in 2025. While some of the consumer finance stocks have shown solid performance in this choppy environment, the group has generally underperformed, with share prices down 4.2% on average over the last month. Enova is down 12.5% during the same time and is heading into earnings with an average analyst price target of $133.63 (compared to the current share price of $111.44).
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