Enova (ENVA): Should You Buy, Sell, or Hold After Q4 Results?

Enova’s Remarkable Performance

Currently trading at $147.65, Enova has delivered exceptional returns for its investors, soaring 369% since February 2021—far outpacing the S&P 500’s 77.9% increase in the same period. Over the past six months alone, the stock has climbed 23.3%, driven by robust quarterly earnings.

Is ENVA still a smart buy at this stage, or is its momentum mainly the result of investor excitement?

What Makes ENVA Stand Out?

Since 2004, Enova International (NYSE:ENVA) has been a trailblazer in the online lending space, leveraging a vast database of over 65 terabytes of customer behavior data. The company offers installment loans and credit lines to non-prime consumers and small businesses in both the U.S. and Brazil.

1. Impressive Revenue Growth

Long-term revenue expansion is a key indicator of a company’s strength. While many businesses may see short-lived gains, the best ones sustain growth over time.

Enova’s annualized revenue has surged by 23.8% over the past five years—outperforming most financial sector peers and demonstrating strong demand for its services.

Enova Quarterly Revenue

2. Consistent EPS Growth

Tracking earnings per share (EPS) over time reveals whether a company’s growth is translating into profitability.

Enova’s EPS has increased at a compound annual rate of 12.3% over the last five years, outperforming most companies in the financial sector.

Enova Trailing 12-Month EPS (Non-GAAP)

3. Strengthening Book Value Per Share

Book value per share (BVPS) is a crucial measure for financial companies, reflecting the net worth per share and the firm’s financial health.

Enova’s BVPS has grown by 16.1% per year over the past five years. Although the growth rate slowed to 12.6% annually in the last two years (rising from $42.63 to $54.08 per share), this still represents a solid performance.

Enova Quarterly Book Value per Share

Our Takeaway

These factors help explain why Enova is one of our top picks. With its stock recently outperforming the broader market and trading at a forward P/E of 9.2 (or $147.65 per share), is this the right moment to invest?

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