ENVA
Enova International, Inc. Financial Services - Consumer Lending Investor Relations →
Enova International, Inc. (ENVA) closed at $223.48 as of 2026-09-11, trading 133.5% above its 200-week moving average of $95.70. The stock is currently moving closer to the line, down from 143.3% last week. The 14-week RSI sits at 68, indicating neutral momentum.
Trading volume is running at 0.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.41 ratio) is neutral — neither side is clearly dominating.
Over the past 569 weeks of data, ENVA has crossed below its 200-week moving average 3 times. On average, these episodes lasted 36 weeks. Historically, investors who bought ENVA at the start of these episodes saw an average one-year return of +56.6%.
With a market cap of $5.6 billion, ENVA is a mid-cap stock. Return on equity stands at 26.1%, indicating strong profitability. The stock trades at 3.7x book value.
The company has been aggressively buying back shares, reducing its share count by 20.8% over the past three years.
Over the past 11 years, a hypothetical investment of $100 in ENVA would have grown to $1719, compared to $439 for the S&P 500. That represents an annualized return of 29.5% vs 14.4% for the index — confirming ENVA as a market-beating investment and the kind of quality company where buying during 200-week moving average touches has historically been rewarded.
Free cash flow has been growing at a 27.7% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: ENVA vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After ENVA Crosses Below the Line?
Across 3 historical episodes, buying ENVA when it crossed below its 200-week moving average produced an average return of +55.7% after 12 months (median +60.0%), compared to +17.0% for the S&P 500 over the same periods. 67% of those episodes were profitable after one year. After 24 months, the average return was +72.0% vs +35.3% for the index.
Each line shows $100 invested at the moment ENVA crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices ENVA would reach each dislocation threshold.
Dislocation Price Levels
Prices where ENVA's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-10-22.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $193.98 | Unusually cheap — analysis point |
| Value | +1σ | $235.34 | Cheap vs. own history |
| Fair Value | +0σ | $299.10 | Historical mean behavior |
| Expensive | -1σ | $410.27 | Expensive vs. own history |
| Deep Expensive | -2σ | $652.94 | Unusually expensive — analysis point |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Recent Earnings
| Date | EPS Est. | EPS Actual | Surprise |
|---|---|---|---|
| 2026-07-23 | $3.96 | $4.31 | +8.8% |
| 2026-04-23 | $3.68 | $3.87 | +5.1% |
| 2026-01-27 | $3.17 | $3.46 | +9.2% |
| 2025-10-23 | $3.03 | $3.36 | +10.8% |
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
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Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are analysis points: prices at which the yield deviation becomes unusual enough to justify the work. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from ENVA's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
ENVA has crossed below its 200-week MA 3 times with an average 1-year return of +56.6% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Oct 2015 | Jan 2017 | 63 | 67.6% | -28.7% | +1640.5% |
| Jul 2017 | Sep 2017 | 7 | 12.7% | +138.8% | +1599.5% |
| Feb 2020 | Nov 2020 | 37 | 48.8% | +59.7% | +1062.7% |
| Average | 36 | — | +56.6% | — |
Frequently Asked Questions
Is ENVA below its 200-week moving average?
No. Enova International, Inc. (ENVA) is currently 133.5% above its 200-week moving average of $95.70. It would need to fall to $95.70 to cross below the line.
What is ENVA's 200-week moving average price?
Enova International, Inc.'s 200-week moving average is $95.70 as of 2026-09-11. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when ENVA drops below its 200-week moving average?
ENVA has crossed below its 200-week moving average 3 times in our data. On average, buying at that moment produced a one-year return of +56.6%. These dips have historically been decent entry points. These episodes lasted 36 weeks on average.
Is ENVA a good value right now?
Here's what our data says about ENVA as of 2026-09-11: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 68. Return on equity is 26.1%. Price-to-book is 3.7x. This is not a buy or sell recommendation — always do your own research.
How does ENVA compare to the S&P 500?
Over the past 11 years, $100 invested in ENVA would have grown to $1719, compared to $439 for the S&P 500. That's 29.5% annualized vs 14.4% for the index. ENVA has outperformed the broader market over this period.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-09-11