Latest revenue
$875.1M
as of 2026-03-31
Latest net income
$91.1M
as of 2026-03-31
Net margin
10.4%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $3.92B
- Enterprise value
- $3.92B
- P/E (trailing)
- 12.7×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $176.68
- 52-wk low
- $90.87
- Beta
- —
- Shares out
- 24.9M
5-year trend
What this company does
ITEM 1. BUSINESS Overview We are a leading technology and analytics company focused on providing online financial services. In 2023, we extended approximately $4.9 billion in credit or financing to borrowers. As of December 31, 2023, we offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. We also offered financing to small businesses in 49 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it.…
AI summary unavailable — showing raw filing excerpt
Generated from ENVA's filing dated 2024-02-23
Key risks
ITEM 1A. RISK FACTORS Risk Factors Summary The summary of risks below provides an overview of the principal risks we are exposed to in the normal course of our business activities: Risks Related to Our Business and Industry •Our business is highly regulated, and if we fail to comply with applicable laws, regulations, rules and guidance, our business could be adversely affected. •The lending and financing industry continues to be targeted by new laws or regulations in many jurisdictions that could restrict the lending and financing products and services we offer, impose additional compliance costs on us, render our current operations unprofitable or even prohibit our current operations. •The…
AI summary unavailable — showing raw filing excerpt
Generated from ENVA's filing dated 2024-02-23
Profitability
Gross margin
58.1%
0.9%Operating margin
23.5%
6.6%Net margin
9.8%
24.2%Return on equity
23.1%
31.8%Return on assets
4.8%
19.9%Leverage
Debt / equity
3.84×
12.9%Long-term debt / equity
3.37×
13.0%Debt / assets
79.3%
2.7%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $875.1M | +17.4% | $91.1M | +24.9% | 10.4% |
Q4 2025 2025-12-31 | $839.4M | +15.1% | $79.0M | +24.0% | 9.4% |
Q3 2025 2025-09-30 | $802.7M | +16.3% | $80.3M | +85.0% | 10.0% |
Q2 2025 2025-06-30 | $764.0M | +21.6% | $76.1M | +41.2% | 10.0% |
Q1 2025 2025-03-31 | $745.5M | +22.2% | $72.9M | +50.6% | 9.8% |
Q4 2024 2024-12-31 | $729.6M | — | $63.7M | — | 8.7% |
Q3 2024 2024-09-30 | $689.9M | +25.1% | $43.4M | +5.2% | 6.3% |
Q2 2024 2024-06-30 | $628.4M | +25.8% | $53.9M | +12.0% | 8.6% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Personal Credit Institutions · SIC 6141
Your notes
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Insider activity
Insider buying
$197.1K
Insider selling
$50.6M
Net activity
−$50.4M
Distinct insiders
9
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns ENVA
Institutional value
$1.72B
Total shares held
13.4M
Distinct holders
241
-140 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | BlackRock, Inc. | 4.1M | $551.5M | -119.6K (-2.9%) | Trimmed |
| 2 | VANGUARD CAPITAL MANAGEMENT LLC | 1.1M | $144.7M | — | New |
| 3 | DIMENSIONAL FUND ADVISORS LP | 1.1M | $143.5M | -99.2K (-8.6%) | Trimmed |
| 4 | Invesco Ltd. | 888.2K | $120.6M | +175.3K (+24.6%) | Added |
| 5 | VANGUARD PORTFOLIO MANAGEMENT LLC | 866.5K | $117.7M | — | New |
| 6 | FRANKLIN RESOURCES INC | 567.8K | $77.1M | +74.2K (+15.0%) | Added |
| 7 | SG Capital Management LLC | 262.8K | $35.7M | +158.3K (+151.5%) | Added |
| 8 | JPMORGAN CHASE & CO | 220.6K | $29.0M | -43.2K (-16.4%) | Trimmed |
| 9 | PRINCIPAL FINANCIAL GROUP INC | 188.4K | $25.6M | +13.2K (+7.6%) | Added |
| 10 | VANGUARD FIDUCIARY TRUST CO | 170.0K | $23.1M | — | New |
| 11 | Harspring Capital Management, LLC | 170.0K | $23.1M | -55.5K (-24.6%) | Trimmed |
| 12 | Bank of New York Mellon Corp | 149.5K | $20.3M | -5.6K (-3.6%) | Trimmed |
| 13 | ENVESTNET ASSET MANAGEMENT INC | 142.5K | $19.4M | +4.5K (+3.3%) | Added |
| 14 | JAMES INVESTMENT RESEARCH, INC. | 129.4K | $17.6M | -26.5K (-17.0%) | Trimmed |
| 15 | UBS Group AG | 128.6K | $17.5M | -46.4K (-26.5%) | Trimmed |
| 16 | Nuveen, LLC | 118.2K | $16.1M | +41.3K (+53.8%) | Added |
| 17 | JANE STREET GROUP, LLC | 114.8K | $15.6M | +49.8K (+76.5%) | Added |
| 18 | PRUDENTIAL FINANCIAL INC | 112.0K | $15.2M | -1.7K (-1.5%) | Trimmed |
| 19 | Public Sector Pension Investment Board | 111.1K | $15.1M | +8.7K (+8.5%) | Added |
| 20 | SEI INVESTMENTS CO | 109.1K | $14.8M | +34.6K (+46.4%) | Added |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once ENVA's latest filing finishes processing.