Is Enova (ENVA) the Best Fintech Stock No One’s Talking About?

Not all fintech companies are flashy startups. Established in 2011, credit service business Enova International Inc (NYSE: ENVA) has managed to work its way up to a market capitalization of $3.05 billion — and has also gained the support of “smart money.” 

Enova offers personal loans, installment loans, lines of credit, and money transfer services through a variety of brands, including CashNetUSA and NetCredit. Among the 46 Credit Service stocks we track, it’s ranked #1. 

In the last 365 days, the price of ENVA stock has increased by 110.51%. But that’s not the only reason why we like the stock.

Enova stock carries an overall Zen Rating of A — in other words, it ranks in the top 5% of all stocks, and belongs to a class of equities that have historically provided an average annual return of 32.52%.

I already mentioned ENVA’s performance in the past year. But it is already more than halfway toward the 32.52% average return of A-rated stocks in 2025. Since the start of the year, the price of Enova shares has rallied by 19.02%.

A stock’s Zen Rating consists of 7 Component Grade ratings. There’s a lot to like with Enova — but we’d highlight its Momentum, Value, and Growth ratings — the first is an A, and the latter two categories carry a B rating.

Our quant system’s Momentum rating is used to identify stocks in a strong uptrend. ENVA stock has been on an upward trajectory (and a pretty steep one, at that) since November of 2023 — with only one minor pullback in Q2 and early Q3 of 2024. With institutional ownership at 59.72%, that’s a pretty strong vote of confidence from the smart money crowd.

In terms of Momentum, Enova ranks in the top 4% of all stocks — but don’t let the B ratings in the Value and Growth categories that we also highlighted fool you. The stock ranks in 88th and 82nd percentile in two categories, respectively — and here’s why.

At a price-to-earnings (P/E) ratio of 17.81x, this is a significantly more attractive buy than an average stock in the credit services industry, which has a ratio of 32.19x, or an average stock when looking at the wider market, whose ratio sits at 31.69x. 

To factor in growth, let’s take a look at the price-to-earnings growth ratio (PEG). At 0.45x, it indicates that ENVA stock is significantly undervalued relative to its earnings projections.

Speaking of those earnings projections, analysts are expecting to see earnings growth of 49.31% on an annual basis. The average forecast for the industry is much lower, at 18.2%.

Expected revenue growth is even more impressive — at 119.22% per year, it blows the industry average of 16.98% and the market average forecast of 20.38% out of the water.

On February 4, the company released its Q4 and full-year 2024 report. It saw the fifth quarter in a row where Enova beat earnings estimates — this time around, it also beat revenue estimates. Based on everything we’ve seen, we have every reason to believe this level of outperformance will continue.

—> Click here to research ENVA



What to Do Next?

• Watch “Zen Ratings Revolution” to Unlock +32.52% Annual Gains >
• Upgrade Your Investing - Start Your Premium Trial Now! >
• Discover Zen Investor portfolio to Find More 100%+ Stock Winners>

Want to get in touch? Email us at news@wallstreetzen.com.