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Enova International, Inc. (ENVA) Scorecard

2.8 / 5 stars · 68/120 Roast Me

Enova International, Inc. (ENVA) Scorecard

  • 2026-Q2: Total return Win; Revenue growth Win; EPS growth Lose.
  • 2026-Q1: Total return Lose; Revenue growth Win; EPS growth Win.
  • 2025-Q4: Total return Win; Revenue growth Win; EPS growth Win.
  • 2025-Q3: Total return Lose; Revenue growth Win; EPS growth Win.
81/120 All 120 Win/Lose results shown below

Every strict quarterly win earns 1 point. A loss, tie, or unavailable scoring value earns 0.

Trailing 1 year (4 quarters): 9 wins, 3 lossesLast fetched: 4 Sept 2026

Complete point ledger

Each cell identifies the missing side explicitly.

QuarterTotal returnRevenue growthEPS growth
2026-Q22/3 WinENVA / S&P
77.23% / 15.20%
WinENVA / S&P
17.65% / 15.00%
LoseENVA / S&P
43.25% / 50.40%
2026-Q12/3 LoseENVA / S&P
-13.59% / -4.33%
WinENVA / S&P
17.46% / 11.30%
WinENVA / S&P
45.52% / 27.70%
2025-Q43/3 WinENVA / S&P
36.59% / 2.65%
WinENVA / S&P
18.58% / 9.00%
WinENVA / S&P
55.72% / 13.40%
2025-Q32/3 LoseENVA / S&P
3.20% / 8.12%
WinENVA / S&P
21.10% / 4.61%
WinENVA / S&P
73.09% / 13.45%
2025-Q23/3 WinENVA / S&P
15.49% / 10.94%
WinENVA / S&P
23.42% / 4.83%
WinENVA / S&P
56.83% / 10.63%
2025-Q13/3 WinENVA / S&P
0.71% / -4.27%
WinENVA / S&P
24.47% / 4.98%
WinENVA / S&P
52.24% / 10.57%
2024-Q43/3 WinENVA / S&P
14.43% / 2.41%
WinENVA / S&P
25.51% / 5.25%
WinENVA / S&P
35.34% / 6.15%
2024-Q33/3 WinENVA / S&P
34.60% / 5.89%
WinENVA / S&P
24.34% / 5.89%
WinENVA / S&P
6.44% / 6.11%
2024-Q21/3 LoseENVA / S&P
-0.92% / 4.28%
WinENVA / S&P
23.28% / 5.38%
LoseENVA / S&P
-2.91% / 5.12%
2024-Q12/3 WinENVA / S&P
13.49% / 10.56%
WinENVA / S&P
22.40% / 5.71%
LoseENVA / S&P
-10.74% / 5.59%
2023-Q41/3 LoseENVA / S&P
8.83% / 11.69%
WinENVA / S&P
21.98% / 6.81%
LoseENVA / S&P
-11.17% / 7.78%
2023-Q32/3 LoseENVA / S&P
-4.24% / -3.27%
WinENVA / S&P
25.20% / 7.52%
WinENVA / S&P
-0.67% / -5.03%
2023-Q23/3 WinENVA / S&P
19.56% / 8.74%
WinENVA / S&P
30.29% / 9.50%
WinENVA / S&P
7.85% / -8.57%
2023-Q13/3 WinENVA / S&P
15.79% / 7.50%
WinENVA / S&P
37.43% / 10.77%
WinENVA / S&P
-0.48% / -15.69%
2022-Q43/3 WinENVA / S&P
31.09% / 7.56%
WinENVA / S&P
43.72% / 11.88%
WinENVA / S&P
-9.12% / -17.99%
2022-Q32/3 WinENVA / S&P
1.56% / -4.88%
WinENVA / S&P
45.60% / 13.47%
LoseENVA / S&P
-52.37% / -1.41%
2022-Q21/3 LoseENVA / S&P
-24.10% / -16.10%
WinENVA / S&P
48.86% / 13.71%
LoseENVA / S&P
-59.65% / 11.04%
2022-Q11/3 LoseENVA / S&P
-7.30% / -4.60%
WinENVA / S&P
36.02% / 15.97%
LoseENVA / S&P
-54.17% / 42.23%
2021-Q41/3 WinENVA / S&P
18.55% / 11.03%
LoseENVA / S&P
11.46% / 15.00%
LoseENVA / S&P
-42.47% / 96.40%
2021-Q32/3 WinENVA / S&P
0.99% / 0.58%
LoseENVA / S&P
-4.89% / 10.77%
WinENVA / S&P
270.03% / 69.42%
2021-Q21/3 LoseENVA / S&P
-3.58% / 8.55%
LoseENVA / S&P
-21.61% / 6.58%
WinENVA / S&P
1239.62% / 51.81%
2021-Q12/3 WinENVA / S&P
43.24% / 6.17%
LoseENVA / S&P
-22.92% / -1.06%
WinENVA / S&P
6414.29% / 7.39%
2020-Q42/3 WinENVA / S&P
51.13% / 12.15%
LoseENVA / S&P
-7.75% / -3.72%
WinENVA / S&P
1015.09% / -33.42%
2020-Q33/3 WinENVA / S&P
10.22% / 8.93%
WinENVA / S&P
16.44% / -2.04%
WinENVA / S&P
21.66% / -27.10%
2020-Q21/3 LoseENVA / S&P
2.62% / 20.54%
WinENVA / S&P
28.04% / -0.46%
LoseENVA / S&P
-56.20% / -27.11%
2020-Q11/3 LoseENVA / S&P
-39.78% / -19.60%
WinENVA / S&P
29.49% / 3.47%
LoseENVA / S&P
-90.50% / -14.75%
2019-Q42/3 WinENVA / S&P
15.95% / 9.07%
WinENVA / S&P
20.78% / 5.36%
LoseENVA / S&P
-47.00% / 2.99%
2019-Q32/3 LoseENVA / S&P
-9.98% / 1.70%
WinENVA / S&P
7.56% / 5.02%
WinENVA / S&P
41.33% / 0.21%
2019-Q22/3 LoseENVA / S&P
1.01% / 4.30%
WinENVA / S&P
15.75% / 6.64%
WinENVA / S&P
69.23% / 8.65%
2019-Q13/3 WinENVA / S&P
17.27% / 13.65%
WinENVA / S&P
24.25% / 8.12%
WinENVA / S&P
75.40% / 14.29%
2018-Q42/3 LoseENVA / S&P
-32.43% / -13.52%
WinENVA / S&P
33.44% / 9.05%
WinENVA / S&P
132.56% / 18.23%
2018-Q32/3 LoseENVA / S&P
-21.20% / 7.71%
WinENVA / S&P
15.93% / 10.21%
WinENVA / S&P
115.38% / 19.06%
2018-Q23/3 WinENVA / S&P
65.76% / 3.43%
WinENVA / S&P
9.45% / 9.03%
WinENVA / S&P
15.32% / 14.46%
2018-Q11/3 WinENVA / S&P
45.07% / -0.76%
LoseENVA / S&P
3.64% / 7.68%
LoseENVA / S&P
10.53% / 12.46%
2017-Q41/3 WinENVA / S&P
13.01% / 6.64%
LoseENVA / S&P
-2.24% / 7.03%
LoseENVA / S&P
-16.50% / 13.82%
2017-Q31/3 LoseENVA / S&P
-9.43% / 4.48%
WinENVA / S&P
11.68% / 5.68%
LoseENVA / S&P
1.11% / 17.57%
2017-Q22/3 LoseENVA / S&P
0.00% / 3.09%
WinENVA / S&P
13.48% / 4.83%
WinENVA / S&P
55.00% / 17.74%
2017-Q13/3 WinENVA / S&P
18.33% / 6.07%
WinENVA / S&P
15.36% / 3.67%
WinENVA / S&P
29.55% / 13.32%
2016-Q42/3 WinENVA / S&P
29.65% / 3.82%
WinENVA / S&P
14.25% / 2.09%
LoseENVA / S&P
-21.97% / 7.05%
2016-Q32/3 WinENVA / S&P
31.52% / 3.85%
WinENVA / S&P
6.94% / 0.20%
LoseENVA / S&P
-52.13% / -3.15%

Dividend-reinvested, split-adjusted total return

1Y · 2025-08-29 to 2026-08-27

MetricENVA total returnS&P 500 Total Return Index
Total return95.63%20.78%
Annualized return95.63%20.78%

5Y · 2021-09-01 to 2026-08-27

MetricENVA total returnS&P 500 Total Return Index
Total return616.27%83.14%
Annualized return48.26%12.86%

10Y · 2016-09-01 to 2026-08-27

MetricENVA total returnS&P 500 Total Return Index
Total return2235.63%319.30%
Annualized return37.04%15.41%

Calculation rules

window
Latest 40 completed benchmark quarters; unavailable issuer evidence remains visible and scores 0.
return Basis
Issuer adjusted close reinvests distributions and normalizes splits; the S&P 500 Total Return Index is the direct benchmark.
point Rule
Strict same-quarter win = 1. Loss, tie or unavailable evidence = 0. No partial or subjective points.
frequency
Quarter endpoints only.
fundamentals
Trailing-four-quarter issuer revenue and EPS growth use the issuer's normalized government-filed facts.
non Scoring

Snapshot captured 2026-09-04.

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