Added to YB: 2026-02-26
Pitch date: 2025-12-21
ENVA [bullish]
Enova International, Inc.
-11.81%
current return
Author Info
No bio for this author
Company Info
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally.
Market Cap
$3.4B
Pitch Price
$163.78
Price Target
600.00 (+315%)
Dividend
N/A
EV/EBITDA
N/A
P/E
11.83
EV/Sales
N/A
Sector
Consumer Finance
Category
special_situation
Enova International, Inc. - $ENVA
ENVA: Acquiring Grasshopper Bank for ~$369M to become Fed-regulated BHC w/ deposit funding. Mgmt guides ~$1.0B adj earnings by Yr3 post-close (35% CAGR vs today's ~$12.5 EPS), driven by 200bps+ funding cost reduction & geographic expansion into CA/IL/NY. Deal recouped via synergies in ~2yrs. Similar to OnDeck acquisition success. Gated on OCC/Fed approval (2H26 close). Risk: regulatory conditions, deposit stability, credit cycle.
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