E ENVA

Enova International Inc

$168.60

-2.28% ($3.93)

Volume 249,369

52W High $176.68

52W Low $89.00

Market Cap $4.19B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$3.95

Whisper EPS

$4.18

5.8% above consensus

Last Quarter

$3.87

Current Streak

8 Beats

Avg Surprise (4Q)

+8.40%

Next Earnings Report

Reports in 81 days

Report Date Jul 21, 2026

Whisper Spread +5.83%

Consensus Estimate

$3.95

Official analyst average

Whisper Number

$4.18

What traders expect

Bullish Sentiment: The whisper number is 5.8% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q1 2026 Apr 23, 2026

1-Day: -1.63%

5-Day: +1.77%

Q4 2025 Jan 27, 2026

1-Day: +0.99%

Q3 2025 Oct 23, 2025

1-Day: +9.36%

5-Day: +4.60%

Q2 2025 Jul 24, 2025

1-Day: -5.30%

5-Day: -7.03%

Revenue & Financial Performance

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$839.4M	+15.1%	59.8%	22.2%	$79.0M
Q3'25	$802.7M	+16.3%	46.6%	24.5%	$80.3M
Q2'25	$764.0M	+21.6%	46.9%	24.1%	$76.1M
Q1'25	$745.5M	+22.2%	46.4%	23.1%	$72.9M
Q4'24	$729.6M	+25.0%	46.1%	21.3%	$63.7M
Q3'24	$689.9M	+25.1%	46.9%	22.3%	$43.4M
Q2'24	$628.4M	+25.8%	47.6%	23.1%	$53.9M
Q1'24	$609.9M	+26.2%	46.0%	21.5%	$48.4M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q1 2026	Apr 23, 2026	$3.68	$3.88	$3.87	+5.16%	Met
Q4 2025	Jan 27, 2026	$3.17	$3.35	$3.46	+9.15%	Beat
Q3 2025	Oct 23, 2025	$3.03	$3.19	$3.36	+10.89%	Beat
Q2 2025	Jul 24, 2025	$2.98	$3.17	$3.23	+8.39%	Beat
Q1 2025	Apr 29, 2025	$2.76	$2.95	$2.98	+7.97%	Met
Q4 2024	Feb 4, 2025	$2.27	$2.42	$2.61	+14.98%	Beat
Q3 2024	Oct 22, 2024	$2.31	$2.35	$2.45	+6.06%	Beat
Q2 2024	Jul 23, 2024	$2.07	$2.11	$2.21	+6.76%	Beat
Q1 2024	Apr 23, 2024	$1.72	$1.77	$1.91	+11.05%	Beat
Q4 2023	Jan 30, 2024	$1.66	$1.70	$1.83	+10.24%	Beat
Q3 2023	Oct 24, 2023	$2.00	$2.09	$1.50	-25.00%	Missed
Q2 2023	Jul 25, 2023	$1.68	$1.77	$1.72	+2.38%	Missed