ENVA Enova International (ENVA) Insider Trading, Ownership & Congress Trades
Financial Services · Personal credit institutions · CIK 0001529864
Form 144 · 5
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
1
13F, latest reported quarter
Conversions, 180 days
8
Codes C/M, not in net · $2.3M priced
What the filings say about ENVA
Insiders, 180 days
-$33.4M net sold
4 sellers · 21% of sales under a 10b5-1 plan
Planned sales (Form 144), 90 days
$26.0M
5 notices
Enova International insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, Enova International, Inc. insiders sold a net $33.4M of stock across 119 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 49 earlier Form 4 trades (code P or S) here by this insider (49 sales), the last on Aug 26, 2026.
- The trade is 6.8% of the 306,444 shares held after it.
- No other insider sold within 30 days.
- 1 fund added in the 13F quarter to Jun 30, 2026.
Insider activity: Executive Chairman Fisher David sold about $3.7M of ENVA under a 10b5-1 plan on Sep 17, 2026; 1 fund added in the latest 13F quarter.Context
- 48 earlier Form 4 trades (code P or S) here by this insider (48 sales), the last on Aug 25, 2026.
- The trade is 3.0% of the 306,444 shares held after it.
- No other insider sold within 30 days.
- 1 fund added in the 13F quarter to Jun 30, 2026.
Insider activity: Executive Chairman Fisher David sold about $2.2M of ENVA under a 10b5-1 plan on Aug 26, 2026; 1 fund added in the latest 13F quarter.Context
- 47 earlier Form 4 trades (code P or S) here by this insider (47 sales), the last on Jul 15, 2026.
- The trade is 3.1% of the 306,444 shares held after it.
- No other insider sold within 30 days.
- 1 fund added in the 13F quarter to Jun 30, 2026.
Insider activity: Executive Chairman Fisher David sold about $2.3M of ENVA under a 10b5-1 plan on Aug 25, 2026; 1 fund added in the latest 13F quarter.Context
- 46 earlier Form 4 trades (code P or S) here by this insider (46 sales), the last on Jul 14, 2026.
- The trade is 3.8% of the 306,444 shares held after it.
- 2 other insiders sold within 30 days.
- 1 fund added in the 13F quarter to Jun 30, 2026.
Insider activity: Executive Chairman Fisher David sold about $2.7M of ENVA on Jul 15, 2026; 2 other insiders sold within 30 days and 1 fund added in the latest 13F quarter.Context
- 45 earlier Form 4 trades (code P or S) here by this insider (45 sales), the last on Jun 17, 2026.
- The trade is 5.5% of the 306,444 shares held after it.
- 2 other insiders sold within 30 days.
- 1 fund added in the 13F quarter to Jun 30, 2026.
Insider activity: Executive Chairman Fisher David sold about $3.9M of ENVA on Jul 14, 2026; 2 other insiders sold within 30 days and 1 fund added in the latest 13F quarter.119 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$33.4M over 180 days
-$8.2M over 90 days
below 93% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
1 fund bought in last quarter
Revenue
+18.6% year over year
more than 59% of Financial Services
Margin
9.8% net margin
more than 58% of Financial Services
Buybacks
$105.6M repurchased, FY to 2026-09-30
more than 64% of Financial Services
Short interest
7.7% of the float short (float per yahoo 2026-10-27) · 5.3 days to cover · settled 2026-10-15
more than 83% of Financial Services
What changed in the last 30 days
Oct 27Officer David Fisher filed to sell $6.1M by Oct 27 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 27OFFICER KIRK L CHARTIER filed to sell $4.8M by Oct 27 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Oct 27Officer STEVEN E CUNNINGHAM filed to sell $2.6M by Oct 27 (Form 144)
Why it matters
A Form 144 is a notice of intent to sell; the sale may not happen, and it says nothing about the price.
Watch ENVA
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+49.1%12M
Insider sellForm 144 (planned sale)
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns ENVA: institutional holders (13F)
13F holdings, latest reported quarter
9,890 sh
$2.4M
Congress trades in ENVA
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
ENVA planned insider sales (Form 144)
Notice of intent to sell, filed before any sale
KIRK L CHARTIER
Filed 2026-10-27
$4.8M
STEVEN E CUNNINGHAM
Filed 2026-10-27
$2.6M
David Fisher
Filed 2026-10-27
$6.1M
David Fisher
Filed 2026-09-17
$5.4M
David Fisher
Filed 2026-08-25
$7.1M
Executive pay vs shareholder return
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$11.7M
$32.9M
$3.8M
+535%
+50%
2024
$10.0M
$27.2M
$3.1M
+287%
+37%
2023
$9.9M
$18.8M
$2.5M
+123%
+15%
2022
$9.3M
$8.0M
$3.0M
+55%
+10%
2021
$10.7M
$16.8M
$2.6M
+65%
+27%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders have filed to sell, before selling.
The record shows a net $33.4M sold by insiders over 180 days, 1 funds added last quarter, $26.0M in planned Form 144 sales. Each figure is a federal filing, dated the day it went public.
ENVA financials
Revenue growth
+18.6%
XBRL, annual
Net margin
9.8%
Complaints, 90 days
340
+15.3% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$3.7B
four quarters, 2025-10-01 to 2026-09-30
Revenue, TTM ENVA
| FY Dec 2025 | $3.2B |
| FY Dec 2024 | $2.7B |
| FY Dec 2023 | $2.1B |
| FY Dec 2022 | $1.7B |
| FY Dec 2021 | $1.2B |
| Sep 2026 | $1.0B |
| Jun 2026 | $928.9M |
| Mar 2026 | $875.1M |
| Dec 2025 | $839.4M |
| Sep 2025 | $802.7M |
| Jun 2025 | $764.0M |
| Mar 2025 | $745.5M |
| Dec 2024 | $729.6M |
At each fiscal year end
Single quarter
Net margin, TTM
+10.5%
net income over revenue, 2025-10-01 to 2026-09-30
Net margin, TTM ENVA
| FY Dec 2025 | +9.8% |
| FY Dec 2024 | +7.9% |
| FY Dec 2023 | +8.3% |
| FY Dec 2022 | +11.9% |
| FY Dec 2021 | +21.2% |
| Sep 2026 | +10.6% |
| Jun 2026 | +11.3% |
| Mar 2026 | +10.4% |
| Dec 2025 | +9.4% |
| Sep 2025 | +10.0% |
| Jun 2025 | +10.0% |
| Mar 2025 | +9.8% |
| Dec 2024 | +8.7% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$2.0B
operating cash flow minus capex, 2025-10-01 to 2026-09-30
Free cash flow, TTM ENVA
| FY Dec 2025 | $1.8B |
| FY Dec 2024 | $1.5B |
| FY Dec 2023 | $1.1B |
| FY Dec 2022 | $850.4M |
| FY Dec 2021 | $442.2M |
| Sep 2026 | $524.0M |
| Jun 2026 | $531.4M |
| Mar 2026 | $463.8M |
| Dec 2025 | $487.1M |
| Sep 2025 | $470.5M |
| Jun 2025 | $436.1M |
| Mar 2025 | $378.3M |
| Dec 2024 | $420.3M |
At each fiscal year end
Single quarter
Debt to equity
3.43x
long-term debt only, 2026-09-30; equity 2026-09-30
Debt to equity ENVA
| FY Dec 2025 | 3.37x |
| FY Dec 2024 | 2.98x |
| FY Dec 2023 | 2.37x |
| FY Dec 2022 | 1.90x |
| FY Dec 2021 | 1.27x |
| Sep 2026 | 3.43x |
| Jun 2026 | 3.35x |
| Mar 2026 | 3.45x |
| Dec 2025 | 3.37x |
| Sep 2025 | 3.20x |
| Jun 2025 | 3.23x |
| Mar 2025 | 3.14x |
| Dec 2024 | 2.98x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
0.38x
TTM operating cash flow over long-term debt only, 2026-09-30
Cash flow to debt ENVA
| FY Dec 2025 | 0.40x |
| FY Dec 2024 | 0.43x |
| FY Dec 2023 | 0.40x |
| FY Dec 2022 | 0.40x |
| FY Dec 2021 | 0.34x |
| Sep 2026 | 0.38x |
| Jun 2026 | 0.40x |
| Mar 2026 | 0.39x |
| Dec 2025 | 0.40x |
| Sep 2025 | 0.43x |
| Jun 2025 | 0.42x |
| Mar 2025 | 0.42x |
| Dec 2024 | 0.43x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+26.8%
TTM net income over average of 2025-09-30 and 2026-09-30
Return on equity ENVA
| FY Dec 2025 | +24.3% |
| FY Dec 2024 | +17.2% |
| FY Dec 2023 | +14.4% |
| FY Dec 2022 | +18.2% |
| FY Dec 2021 | +25.5% |
| Sep 2026 | +26.8% |
| Jun 2026 | +26.1% |
| Mar 2026 | +25.1% |
| Dec 2025 | +24.3% |
| Sep 2025 | +23.8% |
| Jun 2025 | +21.6% |
| Mar 2025 | +19.9% |
| Dec 2024 | +17.2% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+5.6%
TTM net income over average of 2025-09-30 and 2026-09-30
Return on assets ENVA
| FY Dec 2025 | +5.3% |
| FY Dec 2024 | +4.3% |
| FY Dec 2023 | +4.2% |
| FY Dec 2022 | +6.3% |
| FY Dec 2021 | +10.5% |
| Sep 2026 | +5.6% |
| Jun 2026 | +5.5% |
| Mar 2026 | +5.3% |
| Dec 2025 | +5.3% |
| Sep 2025 | +5.4% |
| Jun 2025 | +4.9% |
| Mar 2025 | +4.6% |
| Dec 2024 | +4.3% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
+10.1%
operating income after a 22.7% effective tax rate, over long-term debt only, 2026-09-30 plus average of 2025-09-30 and 2026-09-30 minus cash
Return on invested capital ENVA
| FY Dec 2025 | +10.0% |
| FY Dec 2024 | +9.6% |
| FY Dec 2023 | +8.0% |
| FY Dec 2022 | +8.9% |
| FY Dec 2021 | +14.6% |
| Sep 2026 | +10.1% |
| Jun 2026 | +10.1% |
| Mar 2026 | +9.9% |
| Dec 2025 | +10.0% |
| Sep 2025 | +10.4% |
| Jun 2025 | +10.3% |
| Mar 2025 | +10.1% |
| Dec 2024 | +9.6% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
assets or current liabilities not filed
Return on capital employed ENVA
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Sep 2026 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
11.72x
close 2026-10-26 over four quarters of diluted EPS, 2025-10-01 to 2026-09-30
P/E, trailing ENVA
| FY Dec 2025 | 13.59x |
| FY Dec 2024 | 12.90x |
| FY Dec 2023 | 10.08x |
| FY Dec 2022 | 6.21x |
| FY Dec 2021 | 6.02x |
| Sep 2026 | 11.52x |
| Jun 2026 | 17.86x |
| Mar 2026 | 11.01x |
| Dec 2025 | 13.59x |
| Sep 2025 | 10.59x |
| Jun 2025 | 11.85x |
| Mar 2025 | 11.39x |
| Dec 2024 | 12.90x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$9.4B
market value at close 2026-10-26 on 2026-10-19 shares, plus long-term debt only, 2026-09-30, minus cash 2026-09-30
Enterprise value ENVA
| FY Dec 2025 | $8.3B |
| FY Dec 2024 | $6.0B |
| FY Dec 2023 | $4.5B |
| FY Dec 2022 | $3.4B |
| FY Dec 2021 | $2.7B |
| Sep 2026 | $9.4B |
| Jun 2026 | $10.9B |
| Mar 2026 | $8.1B |
| Dec 2025 | $8.3B |
| Sep 2025 | $6.9B |
| Jun 2025 | $6.7B |
| Mar 2025 | $6.2B |
| Dec 2024 | $6.0B |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+48.2%
TTM free cash flow over market value at close 2026-10-26
FCF yield ENVA
| FY Dec 2025 | +45.4% |
| FY Dec 2024 | +59.5% |
| FY Dec 2023 | +67.8% |
| FY Dec 2022 | +70.4% |
| FY Dec 2021 | +29.6% |
| Sep 2026 | +48.2% |
| Jun 2026 | +32.6% |
| Mar 2026 | +54.7% |
| Dec 2025 | +45.4% |
| Sep 2025 | +59.2% |
| Jun 2025 | +57.3% |
| Mar 2025 | +61.7% |
| Dec 2024 | +59.5% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.35x
P/E over trailing EPS growth of 33%: four quarters to 2026-09-30 against the four to 2025-09-30
PEG, trailing ENVA
| FY Dec 2025 | 0.24x |
| FY Dec 2024 | 0.37x |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Sep 2026 | 0.34x |
| Jun 2026 | 0.41x |
| Mar 2026 | 0.24x |
| Dec 2025 | 0.24x |
| Sep 2025 | 0.14x |
| Jun 2025 | 0.21x |
| Mar 2025 | 0.22x |
| Dec 2024 | 0.37x |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $3.2B | $2.7B | $2.1B | $1.7B |
| Gross profit | $1.8B | $1.5B | $1.2B | $1.1B |
| Operating income | $739.4M | $584.8M | $422.1M | $384.0M |
| Net income | $308.4M | $209.4M | $175.1M | $207.4M |
| EPS (diluted) | 11.52 | 7.43 | 5.49 | 6.19 |
| Operating cash flow | $1.8B | $1.5B | $1.2B | $894.0M |
| Cash | $71.7M | $73.9M | $54.4M | $100.2M |
| Long-term debt | $4.5B | $3.6B | $2.9B | $2.3B |
| Buybacks | $214.6M | $289.3M | $153.2M | $143.1M |
SEC XBRL, fiscal years, as known on 2026-10-28
ENVA Stock Sonar score 6/7 axes
Find similar shapesCompareENVA ranks highest on profitability (62nd percentile) and growth (59th), and lowest on insider conviction (5th), among Financial Services peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
ENVA filings, in plain words
Are Enova International insiders buying or selling ENVA?
In the 180 days to 2026-10-28, Enova International insiders were net sellers, a net $33.4M across purchases and sales reported on Form 4, by 4 sellers.
Are there planned insider sales of ENVA?
Yes. 5 Form 144 notices of planned insider sales were filed in the 90 days to 2026-10-28, covering $26.0M of stock; the latest, by KIRK L CHARTIER, was filed 2026-10-27.
Read the full summary
In the 180 days to 2026-10-28, Enova International insiders were net sellers of ENVA, a net $33.4M across purchases and sales reported on Form 4 by 4 sellers. 21% of the 14 insider sales were made under a Rule 10b5-1 plan; the rest were not flagged as planned. Insiders filed 5 Form 144 notices of intent to sell in the 90 days to 2026-10-28, covering $26.0M of stock. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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