ENVA NYSE Week ended 24 Jul 2026

Weekly Investor Report

Enova International Inc · Financial Services · Credit Services

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Latest close 237.3 USD
2.0% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 39.3% above the Trend Line and sits at 93.8% of its 52-week range. The latest completed week returned 2.0%, after a 2.7% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is neither clearly cheap nor expensive. Options positioning is volatility with 49/100 conviction, while the latest news-sentiment score is 60/100. Near-term considerations: price is close to its 52-week high; earnings are due in 84d.

Setup score 77 out of 100
Latest Close 237.3 USD 24 Jul 2026
1W Return 2.0% latest completed week
4W Return 2.7% short-term follow-through
12W Return 38.8% quarterly tape
Trend Breadth 92.3% 48 of 52 weeks active
Volume Ratio 1.4x vs 13-week average
What is working
  • The trend backdrop is active with a 15-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • 7 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 2.0% Latest completed week; four-week move 2.7%. Indicator stack 96/82 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Positive 57.22% Historical one-week expectancy contributes to the evidence score when direction is confirmed. Options pressure Volatility 49/100 conviction; expected move 11.2%. News sentiment 60/100 54 relevant articles in the latest sentiment read. Event risk 84d Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 39.3% above the Trend Line and sits at 93.8% of its 52-week range. The latest completed week returned 2.0%, after a 2.7% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.4x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
30 Jan 6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.9612-week average 0.69

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership12/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.96Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers77 reversal markers

No recent accumulation markers. 7 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 2.7% over four weeks, 38.8% over 12 weeks, and 124.2% over one year. The current trend has remained active for 15 consecutive weeks.

Performance by holding period

1W2.0%
4W2.7%
12W38.8%
26W50.6%
52W124.2%
Active trend streak15 weeks
Active weeks in one year48
Trend breadth92.3%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.64Latest activity-pressure read.
Pressure change27.5%Four-week change in activity pressure.
Leadership47.00Latest relative-leadership reading.
RS change-10.2%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is neither clearly cheap nor expensive.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 97% Model confidence 97%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength97/100Blend of value, momentum, and quality. Underlying universe rank 4; rank 1 is best.
Value75/100Relative valuation strength. Underlying universe rank 26; rank 1 is best.
Quality97/100Profitability and accounting quality. Underlying universe rank 4; rank 1 is best.
Momentum96/100Medium-term price momentum. Underlying universe rank 5; rank 1 is best.
Growth25/100Revenue and earnings growth. Underlying universe rank 76; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Value-quality framework54/100Value and quality alignment from the Sharemaestro SVQF framework.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
16.6x
Price divided by trailing earnings.
Price / sales
2.0x
Market value relative to trailing revenue.
EV / EBITDA
13.9x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
18.9%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
74.0%
Gross profit retained from each unit of revenue.
Operating margin
24.7%
Operating profit retained from revenue.
Free-cash-flow margin
67.9%
Free cash flow generated from revenue.
Return on invested capital
8.9%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
2.8%
Latest one-year revenue growth.
EPS growth
38.7%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
19.4%
Latest one-year free-cash-flow growth.
Piotroski F-score
6/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
2.1%
Net share repurchases relative to market value.
Shareholder yield
2.1%
Dividend yield plus net buyback yield.
Net debt / EBITDA
6.3x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningVolatility

ENVA shows volatility options pressure with a 49/100 conviction score, put-call volume ratio of 4.05, expected move of 11.2%, and Sharemaestro trend signal active.

Conviction49/100
Expected move11.2%
Put/call volume4.05
Pressure-61
Speculation41
Volatility77
Trend agreement27
Open options detail
Insider activity5 / 15

5 acquisitions and 15 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment60/100

Weighted news tone is neutral across 54 relevant articles.

24 positive · 26 neutral · 4 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings84dNext report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
Options expected move11.2%Nearest-chain priced movement where available.
52-week drawdown-3.7%Distance below the 52-week high.
13-week volatility5.5%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher16 of 2610 weeks finished lower.
Best week+14.1%Week of 26 Jun.
Worst week-7.4%Week of 13 Feb.
Latest week+2.0%Week of 24 Jul.

Shape of recent returns

Strong gains8
Modest gains8
Flat weeks0
Modest losses7
Sharp losses3
Recent vol5.5%13-week weekly-return volatility.
Base vol5.9%52-week weekly-return volatility.
Up/down split31/21Count of positive and negative weeks in the 52-week window.
Average skew5.3% / -3.6%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape77/100

Trend, activity pressure, participation, and risk combine to a 77/100 tape read.

 Indicator analysis83/100

Latest 12-week confirmation: trend 12/12, activity pressure 12/12, relative leadership 12/12.

Activity pressure 0.96; 7 reversal markers Next-Week ExpectancyPositive 57.22%

Next-week expectancy is positive with a 57.22% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors91/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 23; Small Cap Core rank 38 SVQF54/100

Value and quality alignment from the Sharemaestro SVQF framework.

Composite rank 466.5 of 1013 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options42/100

ENVA shows volatility options pressure with a 49/100 conviction score, put-call volume ratio of 4.05, expected move of 11.2%, and Sharemaestro trend signal active.

Volatility · Volatility expansion watch · Expected move 11.2% Sentiment60/100

Weighted news tone is neutral across 54 relevant articles.

Enova International (ENVA) Lifts Outlook As Strong Results Put Valuation In Focus Insiders5 / 15

5 acquisitions and 15 disposals in the latest 180-day insider tape.

 Earnings84d

Next report is scheduled for 22 Oct 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
24 Jul 2026237.3 USD2.0%170.3 USD100.9 USD1.6447.002.2MOn
17 Jul 2026232.5 USD-2.3%167.9 USD99.72 USD1.6445.161.7MOn
10 Jul 2026238.1 USD1.2%165.6 USD98.59 USD1.6448.061.5MOn
3 Jul 2026235.2 USD1.8%163.1 USD97.41 USD1.6050.002.3MOn
26 Jun 2026231.0 USD14.1%159.8 USD96.24 USD1.2952.342.7MOn
19 Jun 2026202.6 USD7.0%156.4 USD95.10 USD0.8932.022.2MOn
12 Jun 2026189.3 USD12.1%153.8 USD94.14 USD0.5125.772.1MOn
5 Jun 2026168.8 USD4.5%151.7 USD93.26 USD0.1913.831.0MOn
29 May 2026161.5 USD2.5%150.2 USD92.50 USD0.236.85674.3KOn
22 May 2026157.5 USD-4.0%148.8 USD91.78 USD0.306.27805.4KOn
15 May 2026164.0 USD-6.2%147.7 USD91.07 USD0.3512.21831.2KOn
8 May 2026174.9 USD2.3%145.9 USD90.32 USD0.2920.551.7MOn
1 May 2026170.9 USD2.6%143.5 USD89.47 USD-0.0821.391.4MOn
24 Apr 2026166.7 USD2.4%141.6 USD88.65 USD-0.4520.271.4MOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.