Enova International (ENVA) is on a serious hot streak. The stock just hit a 52-week high of $120.30 and is up almost 25% this year. That’s way ahead of the Finance sector’s 12.6% gain.

So what’s fueling this climb?

For four straight quarters, Enova has beaten earnings estimates. In July, it reported $3.23 EPS, beating the $2.97 estimate. Revenue also came in higher than expected.

For the full year, it’s expected to post $12.11 per share on $3.18 billion in revenue, and analysts think 2026 will be even bigger with $14.12 per share on $3.69 billion in revenue.

This consistent performance has given ENVA a Zacks Rank #1 (Strong Buy), meaning analysts think there’s still room for the stock to climb.

Valuation Makes ENVA Look Even Better

Even with the rally, ENVA isn’t crazy expensive. It trades at 9.9 times current-year earnings, compared to the industry average of 12.5 times. For value-focused investors, that’s a bargain. Add a Value Score of A and a VGM score of B, and you can see why Wall Street keeps backing it.

Aaron’s Holdings Joins the Party

Another small-cap name worth watching is Aaron’s Holdings (PRG). Its stock is up 9.2% this month, and it also carries a Zacks Buy rating (#2). Last quarter, PRG crushed expectations by nearly 30%, and analysts expect $3.31 EPS this year on $2.48 billion revenue.

Like ENVA, PRG also trades at an attractive price, with a forward P/E of 10.69. Both stocks are riding the momentum in the consumer loans space, which is currently ranked in the top 39% of all industries by Zacks.

What It Means For Investors

ENVA and PRG show that small-cap financials are finding their moment. With strong earnings, reasonable valuations, and industry tailwinds, these stocks are worth keeping an eye on, especially if you’re looking for growth without overpaying.