Enova International Poised for Upside as Growth Accelerates

Enova International (NASDAQ: ENVA) is showing signs of accelerating growth and improving profitability, positioning itself for potential outperformance in the specialty‑finance space. The company reported third‑quarter 2025 adjusted EPS of $3.36, beating estimates by about 10.9%. Revenue for the quarter rose roughly 16 % year‑over‑year to about $803 million, supported by a 29 % jump in small‑business revenue. On the cost side, marketing spend fell as a percentage of revenue (18 % vs. 20 % year‑ago), showing improved operating efficiency. The company also boasts a low cost of funds (8.6 %) and solid liquidity—both advantages in this macro environment. Management is bullish: they’re guiding for fourth‑quarter revenue growth of 10‑15 % year‑over‑year, with adjusted EPS expected to rise 20‑25 %. Despite this momentum, the stock still trades at a valuation comparable to much smaller peers from years ago, leaving an implied upside if performance continues. For investors seeking growth in the non‑bank lending sector with a technology/analytics twist, Enova is trending in the right direction. #EnovaInternational #FinTechGrowth #SmallBusinessLending #NonBankFinance #SlimScan #GrowthStocks #CANSLIM