ENVA Earnings

ENVA reported its earnings on 2026-01-27, showcasing a revenue of 839.39M against an estimate of 842.61M, resulting in a -0.38% surprise. The EPS was 3.46, surpassing the expected 3.17 by 9.15%. The stock experienced a 0.99% price change on the earnings day and a 9.3% change over the next five days, reflecting market reactions to the results.

Following ENVA's earnings announcement on 2026-01-27, the stock price moved by 0.99% on the day of the release. Over the subsequent five days, it saw a 9.3% change. Historically, ENVA's stock price tends to shift by an average of -3.13% in the 10 days leading up to earnings and -1.4% in the 10 days following, providing insight into potential market.

For 2026/Q1, analysts estimate ENVA's annual revenue to reach 851.66M, while the EPS is projected at 3.44. These estimates reflect recent revisions, with revenue estimates unchanged by 0% and EPS estimates unchanged by 0% over the past three months, indicating analyst expectation in the company's performance.

The correlation between ENVA's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for FY2025 were unchanged by 0%, while EPS estimates moved unchanged by 0%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, ENVA's stock price typically moves by -3.13% in the 10 days before its earnings and -1.4% in the 10 days after. For the upcoming 2026/Q1 earnings, analysts expect an EPS of 3.44 and revenue of 851.66M.

The earnings call highlights strong financial performance, with significant growth in consumer and SMB sectors. Adjusted EPS and EBITDA both showed strong year-over-year increases. The Q&A section reveals management's confidence in continued growth and expansion, especially post-Grasshopper acquisition. Although some uncertainties exist, such as potential rate caps, management downplays their likelihood. The strategic focus on balanced growth and leveraging new opportunities post-acquisition suggests a positive outlook. Given the company's small-cap status, the stock price is likely to react positively, within the 2% to 8% range.