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ENVA

Enova International, Inc. Financial Services As of 2026-08-17 Updated daily after market close

steady quality, premium valuation.

3 active signals
52-week adjusted-price high Top-quintile 6-month momentum Filed revenue acceleration
Valuation 48Quality 80Growth 75Momentum 94Risk / liquidity 70

Is Enova International, Inc. a buy? Fundamentals and valuation first

  • Quality is above average. Operating margin sits near the 79th percentile. TTM ROE is about 10.6%.

  • Valuation is expensive. TTM P/E is in the 72th percentile, above most peers.

  • Recent volatility is moderate. 60-day annualized volatility is near the 43th percentile. Average 20-day dollar volume is about $85.2M.

  • Signals are active now. 52-week adjusted-price high, Top-quintile 6-month momentum, Filed revenue acceleration currently holds; the tables below show what followed in this stock’s own history.

Watchlist

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Historical evidence

Signals active now

Each active condition is tested against this stock’s own history and benchmarked versus the S&P 500.

52-week adjusted-price high

Active

Adjusted close first reaches a 252-trading-day high; repeated hits within 20 days count once.

26 historical occurrences (since 2017-01-04)
Average forward return after 52-week adjusted-price high。20-day: Win 64%, Sample 25, Median +1.99%, Excess +3.75%, Beat mkt rate 56%；60-day: Win 62.5%, Sample 24, Median +5.93%, Excess +7.32%, Beat mkt rate 62.5%；120-day: Win 78.3%, Sample 23, Median +18.86%, Excess +18.08%, Beat mkt rate 69.6%

120 days after: historical avg +21.75%

20-day +3.81%
60-day +8.37%
120-day +21.75%
20-day
60-day
120-day
Win
64%
62.5%
78.3%
Sample
25
24
23
Median
+1.99%
+5.93%
+18.86%
Excess
+3.75%
+7.32%
+18.08%
Beat mkt rate
56%
62.5%
69.6%

Over 23 occurrences, 120-day forward avg gained 21.75%, beat the market by 18.08 pts; win rate 78.3%.

Top-quintile 6-month momentum

Active · now 93.47457627118644%

The stock ranks in the top 20% of the liquid US common-stock universe by 126-day adjusted return.

25 historical occurrences (since 2016-07-12)
Average forward return after Top-quintile 6-month momentum。20-day: Win 56%, Sample 25, Median +7.84%, Excess +6.31%, Beat mkt rate 64%；60-day: Win 70.8%, Sample 24, Median +19.14%, Excess +17.3%, Beat mkt rate 70.8%；120-day: Win 77.3%, Sample 22, Median +26.49%, Excess +20.51%, Beat mkt rate 77.3%

120 days after: historical avg +27.24%

20-day +7.42%
60-day +21.06%
120-day +27.24%
20-day
60-day
120-day
Win
56%
70.8%
77.3%
Sample
25
24
22
Median
+7.84%
+19.14%
+26.49%
Excess
+6.31%
+17.3%
+20.51%
Beat mkt rate
64%
70.8%
77.3%

Over 22 occurrences, 120-day forward avg gained 27.24%, beat the market by 20.51 pts; win rate 77.3%.

Filed revenue acceleration

Active · now 17.653417018912897%

TTM revenue growth is at least 10% and improved versus the prior filed quarter; event date is the SEC filing date.

12 historical occurrences (since 2018-05-02)
Average forward return after Filed revenue acceleration。20-day: Win 45.5%, Sample 11, Median -5.07%, Excess -2.54%, Beat mkt rate 45.5%；60-day: Win 36.4%, Sample 11, Median -9.77%, Excess -3.84%, Beat mkt rate 45.5%；120-day: Win 45.5%, Sample 11, Median -1.5%, Excess +2.27%, Beat mkt rate 45.5%

120 days after: historical avg +3.61%

20-day -1.58%
60-day -3.61%
120-day +3.61%
20-day
60-day
120-day
Win
45.5%
36.4%
45.5%
Sample
11
11
11
Median
-5.07%
-9.77%
-1.5%
Excess
-2.54%
-3.84%
+2.27%
Beat mkt rate
45.5%
45.5%
45.5%

Over 11 occurrences, 120-day forward avg gained 3.61%, beat the market by 2.27 pts; win rate 45.5%.

Valuation regime and forward returns

Daily TTM P/E is converted into an expanding own-history percentile, then grouped into five valuation regimes. Forward returns use adjusted prices over the next 240 trading days.

PE percentile bandSample days240-day avg returnMedianWin rateAvg excess (vs index)
0-20 359+21.8% +6.6% 64.1% +19.8%
20-40 339+48.4% +41.6% 98.8% +31.9%
40-60 206+69.2% +69.3% 100% +45.1%
60-80 352+66.3% +59% 100% +46.4%
80-100 You are here120+93.4% +67.5% 100% +68.1%

Quarterly EPS is aligned by SEC filing date before it is forward-filled to daily prices. The expanding percentile uses only information available up to each day.

Current TTM P/E is about 19.58, placing it in the 90.4 own-history percentile, inside the 80-100 bucket.

Valuation × momentum analogs

Each historical day is grouped by own-history P/E tercile and 60-day momentum direction, then tested for the next 120-trading-day adjusted return.

Valuation
Momentum
Cheap (own-history bottom third)
Middle
Expensive (own-history top third)
60-day momentum up
+13.6%
Win rate 67.4% Excess +9.8%
341d
+31.7%
Win rate 93.1% Excess +21.1%
362d
Now
+27.7%
Win rate 84.3% Excess +21%
300d
60-day momentum down
+21.3%
Win rate 77.7% Excess +19.2%
242d
+31.5%
Win rate 92.1% Excess +15.8%
191d
+32.3%
Win rate 86.7% Excess +15.4%
60d

Currently in “Expensive (own-history top third) × 60-day momentum up”: across 300 historical days, 120-day forward avg gained 27.7%, win rate 84.3%, beat the market by 21%.

Days = trading days in this bucket; returns use adjusted prices, ex-costs. 60-day momentum: direction of this stock's price over the past 60 trading days.

Market-wide momentum baseline

Across 97,937 liquid US common-stock samples, top-quintile 6-month momentum was followed by an average 60-trading-day return of +6.21%, a 58.2% positive-return rate, and +2.85 percentage points of average excess return versus the S&P 500.

Baseline: weekly samples since 2016 where a liquid US common stock ranked in the top quintile by 126-trading-day momentum. Forward return is 60 trading days; excess return is versus S&P 500 (^GSPC).

Signals not active now

Inactive signals still show the stock-specific historical forward-return distribution for context.

EPS surprise beat

Pending

Reported EPS beat consensus estimate by at least 5%; event date is the earnings-surprise timestamp.

37 times historically; 60-day forward avg +14.08%, win rate 70.6%, beating the market by +10.58 pts on average.

Method and limits

  • Returns use us_price:adj_close, adjusted for splits and dividends where available.
  • Excess returns use world_index:^GSPC as the S&P 500 benchmark proxy.
  • Quarterly fundamentals are aligned to SEC filing dates before daily valuation studies.
  • The promoted universe starts from active NYSE/NASDAQ common stocks, then applies price and dollar-volume gates.
  • Snapshot-only tables such as analyst consensus, DCF, us_ratios, and us_key_metrics are intentionally excluded from historical evidence.
  • Overlapping event windows are descriptive distributions, not independent samples.

This page is for historical data analysis and education only. It is not investment advice. Backtests and historical return distributions do not predict future performance; evaluate risk independently before trading.