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How Enova’s 2025 Results, Buybacks and Grasshopper Bank Deal Will Impact Enova International (ENVA) Investors

Simply Wall St·02/01/2026 02:37:26
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  • Enova International recently reported past fourth-quarter and full-year 2025 results showing revenue of US$501.89 million for the quarter and US$1.83 billion for the year, with net income rising to US$78.98 million and US$308.39 million respectively alongside higher earnings per share.
  • Investors also learned that Enova is combining continued originations growth, an active share repurchase program that has retired almost 10% of shares, and a planned acquisition of Grasshopper Bank intended to broaden funding sources and product reach.
  • With these results in mind, we’ll now examine how Enova’s strong originations growth shapes the company’s investment narrative and risk profile.

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What Is Enova International's Investment Narrative?

To want to own Enova today, you need to be comfortable backing a lender that is leaning into growth in originations while actively shrinking its share count and preparing to absorb a bank. The latest quarter reinforced that story, with higher revenue, rising net income and roughly 10% of shares retired under the 2024 buyback, all of which support earnings per share as long as credit trends stay in line. The planned Grasshopper Bank acquisition adds a new short term catalyst around funding flexibility and product breadth, but it also shifts the risk balance toward integration, regulatory scrutiny and execution. Given the already very strong multi‑year share price run and Enova’s high debt load, the recent earnings beat looks supportive rather than transformational for the core risk and catalyst picture.

However, the balance between rapid growth, leverage and credit quality is something investors should watch closely. Enova International's shares are on the way up, but could they be overextended? Uncover how much higher they are than fair value.

Exploring Other Perspectives

ENVA 1-Year Stock Price Chart
ENVA 1-Year Stock Price Chart

Four fair value estimates from the Simply Wall St Community span roughly US$64 to US$468 per share, reflecting very different expectations. Set against Enova’s debt heavy model and bank acquisition plans, this spread underlines why it can help to weigh multiple viewpoints before deciding how its growth and risk trade off.

Explore 4 other fair value estimates on Enova International - why the stock might be worth less than half the current price!

Build Your Own Enova International Narrative

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.