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The Bank Charter Is Gone, the Guidance Is Not, and the Stock Reprices","session":"2026-09-15"}],"memory":{"as_of":"2026-09-18","bands":{"1d":{"p10":-1.644,"p50":0.222,"p90":2.157,"p_up":0.583},"5d":{"p10":-4.015,"p50":0.345,"p90":5.066,"p_up":0.553},"10d":{"p10":-6.158,"p50":0.438,"p90":7.958,"p_up":0.537}},"state":"up/below/off/stuck/ordinary/weak/some","reason":null,"coverage":"ok","analogs_n":300,"disclaimer":"Historical distributions of what followed similar states, measured before today's news. Not a forecast; no side."},"schema":"company_file.v1","thesis":{"view":"","scenario_ranges":null,"what_changes_it":""},"no_side":true,"sources":[],"business":{"drivers":["We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing.","Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of.","We were an early entrant into online lending, launching our online business in 2004, and through December 31, 2025, we have completed approximately 69.3."],"description":"BUSINESS Overview We are a leading technology and analytics company focused on providing online financial services. In 2025, we extended approximately $7.8 billion in credit or financing to borrowers. As of December 31, 2025, we offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. We also offered or arranged financing to small businesses in 49 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other."},"earnings":{"source":"Undated in the latest note (https://chartlibrary.io/research/views/enva-charter-withdrawal-expectations-20260915): Record today's actual completed session (September 15) and then September 22 as the five-session window, counting today as session one; preserve the September 14 close and the","next_report_date":null},"identity":{"cik":1529864,"sic":"6141","name":"Enova International, Inc.","symbol":"ENVA","cluster":"Financials & fintech","exchange":"NYSE"},"estimates":{"rows":[],"basis":"not yet estimated","consensus":null,"revisions":[]},"scorecard":{"inside_5d":null,"notes_scored":1,"band_coverage_5d":null},"disclosure":"All positions in the Research Model Portfolio are simulated. No real money is invested in this model. Our research is free and is not tailored to any reader's financial circumstances."}