Enova's digital lending platform, AI-driven risk management, and disciplined cost controls drive strong growth, operating leverage, and superior profitability across consumer and small business segments. Industry shifts toward online financial products and market consolidation increase Enova's customer base and support continued above-average revenue and earnings growth.
Cyborg Score Rationale
Net income as of Mar 1, 2026 is $397.58M, a 28.92% increase from the previous year's $308.39M. TTM revenue is $2.66B with a net profit margin of 7.88%. Strong fundamentals and AI-driven competitive positioning support the rating.
Top Insights
94% of small businesses expect growth in 2026 and 74% prefer non-bank lenders; 56% report AI use with 87% reporting benefits.
Enova is acquiring Grasshopper Bancorp (~$369M) with close expected H2 2026, subject to regulatory approvals.
Effective January 1, 2026, leadership transitioned with former CEO becoming Executive Chairman, CFO assuming CEO role, and new CFO appointed.
ENVA exceeded both the US Consumer Finance industry (8.9% return) and US Market (14.6% return) over the past year.
Named Competitors
Payday Loans & Short-Term Credit — Digital personal finance platform
(January 2026) 2026 Small Business Confidence Report: 94% of small businesses expect growth; 74% prefer non-bank lenders; strong AI adoption benefits noted
(January 2026) Leadership transition effective Jan 1, 2026 with new CEO and CFO appointments
(2025) Grasshopper Bancorp acquisition announced (~$369M, expected H2 2026 close)
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