Stockchase Opinions

The Panic-Proof Portfolio (Stockchase Research) Enova International ENVA-N TOP PICK Aug 05, 2025

Stockchase Research Editor: Michael O'Reilly

ENVA provides consumer credit services in the US and Brazil.  Recently reported earnings showed a 28% increase in originations and 48% increase in EPS.  Cash reserves are growing, partially thru increased debt and shares are being bought back.  It trades at 11x earnings, 2.1x book and supports a ROE of 21%.  We recommend setting a stop-loss at $77, looking to achieve $131 -- upside potential of 25%.  Yield 0%

(Analysts’ price target is $131.12)
$103.880

Stock price when the opinion was issued

Financial Services
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DON'T BUY

An unconventional lender, so too risky.