Enova International, Inc. stock: filings, catalysts and timeline
Sign in to follow
FundamentalsWhat is this?HideNot scored — outside AIR's $300M–$20B fundamentals band
How the business is doing on its own reported US-GAAP numbers — growth, margins, cash generation, balance-sheet strength, capital efficiency and dilution — compared with sector peers.
Source: SEC XBRL financial statements.
ValueWhat is this?HideBalanced
How the shares are priced against sector peers, against the company's own recent history, and against a simple cash-flow estimate, using the filing numbers and the current price. AIR shows this as a band, never as a target price.
Source: SEC XBRL financial statements and end-of-day prices.
News flowWhat is this?HideBalanced
What the company has documented recently: material 8-K events (contracts, deals, results, leadership changes) and FDA approvals, weighted by recency and type. A language model's reading of each 8-K helps classify whether it is positive or negative. Filings, not press or social media.
Source: SEC EDGAR 8-K filings and FDA approvals.
MomentumWhat is this?HideWatch
The longer-term market read: the trend in end-of-day prices, strength against the market and the sector, and trading volume over roughly the past three to twelve months. It is shown, never used to rank the Shortlist.
Source: End-of-day prices.
SafetyWhat is this?HideStrong
The risk side: leverage, liquidity, cash runway, dilution, revenue and margin swings, company size and pre-commercial status, negative 8-K events (including legal and regulatory ones), and share-price drawdown and volatility. Higher means fewer of those risk markers.
Source: SEC XBRL financial statements, SEC EDGAR 8-K filings and end-of-day prices.
Discovery Gap: Very high (97/100) · Gap confidence 62/100
Documented progress is running well ahead of market attention.
Low is the most common level — the cut-offs are fixed, and levels can shift as scores refresh.
What is this?Hide
How far documented progress (News flow) runs ahead of market attention. Attention is measured from institutional holdings reported to the SEC, trading volume, price behaviour and how richly the shares are valued — not from social media or analyst ratings.
Source: SEC EDGAR filings (8-K and 13F), FDA approvals and end-of-day prices.
How levels work. The levels use fixed cut-offs, but market attention is ranked against the other ~1,800 companies AIR covers that day (valuation against the same sector). Documented progress counts filings from the past 18 months, newer ones weighing more; attention uses the latest quarter of institutional holdings, the last three to six months of trading, and six to twelve months of price behaviour. Many companies show a Low Gap or none at all — a gap needs filings that read more positively than neutral. A level can change from one day to the next as scores refresh and the other companies move.
Gap confidenceWhat is this?HideStrong 62/100How fully AIR could measure this Gap.
How fully AIR could measure both sides of the Discovery Gap: the documented progress (News flow) and market attention (Recognition). It takes the weaker of the two, and reads zero when either side has no measurement. It describes the data, not the company.
Evidence strengthWhat is this?HideModerate 53/100Support behind the full AIR read, not only the Gap.
How much data stands behind the whole AIR read — all five perspectives, not just the Discovery Gap. Each perspective reports how complete its inputs are, and these are combined in the same proportions as the AIR Score; a perspective AIR could not score adds nothing, so missing data lowers this figure. It describes the data, not the company.
This month at a glance
Evidence timeline
- Expected
Mon 22 Feb · expected 10-K
Last year filed 20 Feb 2026.
Fri 23 Apr · expected 10-Q
Last year filed 23 Apr 2026.
- Filed
Fri 30 Oct · 8-K
8-K · Items 1.01, 2.03 — Material agreement
Enova increased its secured asset-backed revolving credit facility from $825M to $900M via Fourth Amendment with Bank of Montreal, expanding liquidity by $75M.
Value: Watch 44 → Balanced 54Gap Very high · 92 → Very high · 97The shares became cheaper on AIR's value read.
Progress is running ahead of attention.
Thu 22 Oct · 8-K
8-K · Item 2.02 — Results of operations
Q3 2026: Originations +31%, revenue +26% YoY to $1.01B (first time). Diluted EPS $4.06 (+34%), adjusted EPS $4.48 (+33%). Net revenue margin 61% vs 57%. Credit stable; NCO ratio improved to 8.1% from 8.5%.
Recognition: Watch 43 → Watch 39Value: Watch 39 → Balanced 55Gap Very high · 90 → Very high · 93Market attention has faded.
The shares became cheaper on AIR's value read.
Progress is running ahead of attention.
The price trend weakened.
Thu 22 Oct · 10-Q
Quarterly report (10-Q), period ending 30 Sep 2026
Recognition: Watch 43 → Watch 39Value: Watch 39 → Balanced 55Gap Very high · 90 → Very high · 93Market attention has faded.
The shares became cheaper on AIR's value read.
Progress is running ahead of attention.
The price trend weakened.
Fri 16 Oct · 8-K
8-K · Items 1.01, 1.02 — Material agreement
Enova terminated its merger agreement with Grasshopper Bancorp, effective October 16, 2026. The company paid Grasshopper $4 million as a termination fee. No other liabilities exist between parties.
News flow: Balanced 59 → Balanced 56Gap Very high · 97 → Very high · 90The filings read less positively.
The gap narrowed as the filings read less positively.
The price trend weakened.
Tue 13 Oct · 8-K
8-K · Items 1.01, 2.03 — Material agreement
Enova's subsidiary NetCredit 2022 amended its Note Issuance and Purchase Agreement with Jefferies and Citibank. The $200M commitment facility maintains SOFR+4.00% borrowing rate with revolving period through October 2028 and maturity in October 2030.
Fri 25 Sep · 8-K
8-K · Items 1.01, 2.03 — Material agreement
Enova's OnDeck subsidiary issued $500M in fixed-rate asset-backed notes (sixth series) secured by ~$526M small business loan portfolio. Proceeds used to purchase loans from OnDeck affiliates and for general corporate purposes.
Thu 17 Sep · 8-K
8-K · Items 1.01, 2.03 — Material agreement
Enova's subsidiary amended its $535M securitization facility with extended revolving period to March 2028 and maturity to March 2029. Terms include Class A loans at SOFR+2.75% and Class B at SOFR+8.50%.
Tue 15 Sep · 8-K
Mon 14 Sep · 8-K
Wed 9 Sep · 8-K
Fri 21 Aug · 8-K
Fri 14 Aug · 8-K
Thu 23 Jul · 8-K
Thu 23 Jul · 10-Q
Quarterly report (10-Q), period ending 20 Jul 2026
Fri 10 Jul · 8-K
Thu 25 Jun · 8-K
Wed 13 May · 8-K
Thu 23 Apr · 10-Q
Quarterly report (10-Q), period ending 20 Apr 2026
Thu 23 Apr · 8-K
Wed 1 Apr · 8-K
Fri 20 Feb · 10-K
Annual report (10-K), FY2026
Tue 27 Jan · 8-K
Thu 18 Dec · 8-K
Thu 11 Dec · 8-K
Mon 24 Nov · 8-K
Thu 13 Nov · 8-K
Wed 12 Nov · 8-K
Wed 5 Nov · 8-K
Thu 30 Oct · 8-K
Fri 24 Oct · 10-Q
Quarterly report (10-Q), period ending 22 Oct 2025
Thu 23 Oct · 8-K
Solid dots: a filing AIR classified as material. Grey: routine. Hollow: expected, from last year's dates — not a forecast.
Ask AIR
What would change our view
Research, not tips. No buy/sell recommendations, no price forecasts. Every score is derived from public filings and market data — figures round to whole numbers and refresh each trading day.