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Try Stocky free →Cautious. ENVA's balanced Growth (63.2) and Value (65) Compounder scores suggest steady fundamentals, but a Vulnerable profile signals structural headwinds—likely competitive pressure or margin compression—offsetting the 70.5 Leadership Alignment score. At 15.2× forward P/E, valuation leaves little room for execution stumbles on a company lacking clear competitive moat strength.
Every stock is scored across six proprietary dimensions built for retail investors who want Buffett-quality analysis without a Bloomberg subscription. Here's the actual snapshot for Enova International, Inc.:
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Stocky rates Enova International, Inc. (ENVA) at 48/100 — below the bar Stocky looks for. The score fuses business quality, moat width, leadership alignment, valuation and analyst signal into a single number. Cautious. ENVA's balanced Growth (63.2) and Value (65) Compounder scores suggest steady fundamentals, but a Vulnerable profile signals structural headwinds—likely competitive pressure or margin compression—offsetting the 70.5 Leadership
ENVA's current Stocky Verdict is 48/100, placing it in the "Cautious" band. This composite combines a 65/100 Compounder score, 71/100 Leadership, Moat rating, and analyst signal.
Stocky hasn't finalised a Moat Score for Enova International, Inc. yet — the analysis draws from ROIC trends, pricing power evidence, and competitive-position filings.
Enova International, Inc. scores 71/100 on Leadership Alignment. Higher = more founder involvement, higher insider ownership, sensible pay, and evidence of long-term capital allocation discipline.
Enova International, Inc.'s Vulnerability Profile scores 0/100 (higher = more resilient). The profile flags customer concentration, supply chain, refinancing walls and regulatory risks specific to Enova International, Inc..
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