ENVA logo

Enova International, Inc. (ENVA)

Profile

Full Name

Enova International, Inc.

Ticker

NYSE: ENVA

Exchange

NYSE

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

November 13, 2014

Indexes

Not included

Website

http://www.enova.com

Employees

1787

Key Details

Price

$114.82(-2.03%)

Market cap

$2.91B(Mid cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$2.66B(+25.51% YoY)

Annual EPS

$7.43(+35.34% YoY)

PE ratio

13.52

Next earnings date

Jul 23, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    See Full Chart & Historical Data

    Analyst ratings

    Price

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Current Price

    $114.82
    ENVA price is $114.82

    30-Day Relative Volume

    0.83
    ENVA 30-day relative volume is 0.83

    Price Performance

    Price Most recent change

    -2.03%
    ENVA price was down -2.03% on Jul 11, 2025

    Price YTD change

    +19.75%
    ENVA price is up +19.75% since January 1st

    Price 1-year change

    +75.81%
    ENVA price is up +75.81% year-on-year

    Price 3-year change

    +291.88%
    ENVA price is up +291.88% over the past 3 years

    Price Range

    Price All-time high

    $119.06
    ENVA price is currently -3.56% below its historical high of $119.06

    Price 3-year low

    $28.37
    ENVA price is currently +304.72% above its 3-year low

    Capitalization

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Market cap

    Market cap

    $2.91B
    ENVA market capitalization is $2.91 billion

    Market cap 3-year change

    +208.88%
    ENVA market capitalization is up +208.88% over the past 3 years

    Market cap All-time high

    $3.01B
    ENVA market capitalization is currently -3.09% below its historical high of $3.01 billion

    Market cap sector rank

    71.49%
    ENVA market capitalization is higher than 71.49% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -4.27%
    ENVA shares outstanding is down -4.27% year-on-year

    Shares Outstanding 3-Year Change

    -21.18%
    ENVA shares outstanding is down -21.18% over the past 3 years

    Technical Indicators

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Beta

    1.39
    ENVA beta is 1.39

    200-day SMA

    $98.05
    ENVA price is currently +17.10% above its 200-day simple moving average

    50-day SMA

    $99.51
    ENVA price is currently +15.38% above its 50-day simple moving average

    RSI

    72.55
    ENVA 14-day relative strength index is 72.55

    Volume

    0.83
    ENVA 30-day relative volume is 0.83

    ATR

    $2.99
    ENVA average true range is $2.99

    10-day Historical Volatility

    29.47%
    ENVA 10-day historical volatility is 29.47%

    Dividend

    Income Statement

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Revenue

    Revenue

    $2.66B
    ENVA annual revenue is $2.66 billion

    Revenue Analysts estimate

    $3.14B
    ENVA annual revenue is currently -15.37% lower than the consensus analysts' forecast

    Revenue 1-year change

    +25.51%
    ENVA annual revenue is up +25.51% year-on-year

    Revenue Sector rank

    85.55%
    ENVA annual revenue is higher than 85.55% of companies in Financial Services sector

    EPS

    EPS

    $7.43
    ENVA annual earnings per share is $7.43

    EPS Analysts estimate

    $11.77
    ENVA annual earnings per share is currently -36.86% lower than the consensus analysts' forecast

    EPS 1-year change

    +35.34%
    ENVA annual earnings per share is up +35.34% year-on-year

    EPS Sector rank

    89.88%
    ENVA annual earnings per share is higher than 89.88% of companies in Financial Services sector

    Profit

    Gross profit

    $1.24B
    ENVA annual gross profit is $1.24 billion

    Gross margin

    46.62%
    ENVA annual gross profit margin is 46.62%

    Operating profit

    $294.32M
    ENVA annual operating income is $294.32 million

    Operating margin

    11.07%
    ENVA annual operating profit margin is 11.07%

    Net income

    $209.45M
    ENVA annual net profit is $209.45 million

    Net margin

    7.88%
    ENVA annual net profit margin is 7.88%

    Expenses

    Total expenses

    $2.36B
    ENVA annual total expenses is $2.36 billion

    Operating expenses

    $944.69M
    ENVA annual total operating expenses is $944.69 million

    Cost of goods sold

    $1.42B
    ENVA annual cost of goods sold is $1.42 billion

    Selling, general & administrative expenses

    $680.09M
    ENVA annual SGA is $680.09 million

    Depreciation and amortization

    $40.21M
    ENVA annual depreciation & amortization is $40.21 million

    Interest expense

    -
    ENVA annual interest expense value is unknown

    Income tax

    $61.65M
    ENVA annual income tax is $61.65 million

    EBIT & EBITDA

    EBIT

    $294.32M
    ENVA annual earnings before interest & taxes is $294.32 million

    EBITDA

    $334.52M
    ENVA annual EBITDA is $334.52 million

    Balance Sheet

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Assets

    Total assets

    $5.27B
    ENVA annual total assets is $5.27 billion

    Non current assets

    $452.58M
    ENVA annual long term assets is $452.58 million

    Current assets

    $4.81B
    ENVA annual total current assets is $4.81 billion

    Cash and cash equivalents

    $73.91M
    ENVA annual cash & cash equivalents is $73.91 million

    Accounts receivable

    -
    ENVA annual accounts receivable value is unknown

    Inventory

    -
    ENVA annual inventory value is unknown

    Liabilities

    Total liabilities

    $4.07B
    ENVA annual total liabilities is $4.07 billion

    Long term liabilities

    $3.82B
    ENVA annual total long term liabilities is $3.82 billion

    Current liabilities

    $249.97M
    ENVA annual total current liabilities is $249.97 million

    Accounts payable

    $58.95M
    ENVA annual accounts payable is $58.95 million

    Debt

    Total debt

    $3.60B
    ENVA annual total debt is $3.60 billion

    Total debt 1-year change

    +21.03%
    ENVA annual total debt is up +21.03% year-on-year

    Long term debt

    $3.36B
    ENVA annual long term debt is $3.36 billion

    Short term debt

    $233.33M
    ENVA annual short term debt is $233.33 million

    Equity & Capital

    Shareholders equity

    $1.20B
    ENVA annual stockholders equity is $1.20 billion

    Book value

    $1.20B
    ENVA annual book value is $1.20 billion

    Retained earnings

    $1.70B
    ENVA annual retained earnings is $1.70 billion

    Working capital

    $4.56B
    ENVA annual working capital is $4.56 billion

    Cash Flow Statement

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Cashflow Activities

    Cash from operations

    $1.54B
    ENVA annual cash flow from operations is $1.54 billion

    Cash from operations 1-year change

    +31.86%
    ENVA annual cash flow from operations is up +31.86% year-on-year

    Cash from investing

    -$1.91B
    ENVA annual cash flow from investing activities is -$1.91 billion

    Cash from investing 1-year change

    -27.87%
    ENVA annual cash flow from investing activities is down -27.87% year-on-year

    Cash from financing

    $318.88M
    ENVA annual cash flow from financing activities is $318.88 million

    Cash from financing 1-year change

    -39.44%
    ENVA annual cash flow from financing activities is down -39.44% year-on-year

    CAPEX

    CAPEX

    $43.42M
    ENVA annual capital expenditures is $43.42 million

    CAPEX 1-year change

    -4.02%
    ENVA annual capital expenditures is down -4.02% year-on-year

    Free Cash Flow

    Free cash flow

    $1.50B
    ENVA annual free cash flow is $1.50 billion

    Free cash flow 1-year change

    +33.3%
    ENVA annual free cash flow is up +33.3% year-on-year

    Profitability Ratios

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Margins

    Gross margin

    46.62%
    ENVA annual gross profit margin is 46.62%

    Operating margin

    11.07%
    ENVA annual operating profit margin is 11.07%

    Net margin

    7.88%
    ENVA annual net profit margin is 7.88%

    ROA & ROE

    ROA

    4.25%
    ENVA annual return on assets is 4.25%

    ROE

    17.19%
    ENVA annual return on equity is 17.19%

    Valuation

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    PE Ratio

    PE ratio

    13.52
    ENVA price to earnings ratio is 13.52

    PE ratio Sector rank

    42.46%
    ENVA price to earnings ratio is higher than 42.46% of companies in Financial Services sector

    PB Ratio

    PB ratio

    2.43
    ENVA price to book ratio is 2.43

    PB ratio Sector rank

    80.91%
    ENVA price to book ratio is higher than 80.91% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.04
    ENVA price to sales ratio is 1.04

    PS ratio Sector rank

    14.58%
    ENVA price to sales ratio is higher than 14.58% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $6.65B
    ENVA enterprise value is $6.65 billion

    Enterprise value Sector rank

    79.98%
    ENVA enterprise value is higher than 79.98% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    18.44
    ENVA EV/EBITDA is 18.44

    EV/EBITDA Sector rank

    90.79%
    ENVA EV/EBITDA is higher than 90.79% of companies in Financial Services sector

    Financial Health

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Liquidity

    Current ratio

    19.26
    ENVA annual current ratio is 19.26

    Quick ratio

    -
    ENVA annual quick ratio value is unknown

    Leverage

    Debt to equity

    2.98
    ENVA annual debt to equity ratio is 2.98

    Interest coverage ratio

    -
    ENVA annual interest coverage ratio value is unknown

    Risk & Stability

    Piotroski F-Score

    8
    ENVA piotroski f-score is 8

    Altman Z-Score

    2.61
    ENVA altman z-score is 2.61

    Analyst ratings

    Recent major analysts updates

    May 14, 25 Seaport Global
    Buy
    Apr 30, 25 JMP Securities
    Market Outperform
    Feb 6, 25 Maxim Group
    Buy
    Feb 5, 25 Stephens & Co.
    Overweight
    Feb 5, 25 JMP Securities
    Market Outperform
    Feb 5, 25 BTIG
    Buy
    Jan 13, 25 JMP Securities
    Market Outperform
    Nov 13, 24 Stephens & Co.
    Overweight
    Oct 23, 24 TD Cowen
    Hold
    Oct 23, 24 JMP Securities
    Market Outperform

    Institutional Ownership

    Screeners with ENVA included

    Mid cap stocks
    US stocks
    High Piotroski score stocks
    Stocks with high beta
    Best performing stocks last month
    Most recommended stocks
    Best performing stocks last 3 months
    Best performing stocks last 5 years
    Stocks above SMA 50
    Stocks below analysts price target
    • What is the ticker symbol for Enova International, Inc.?
    • Does Enova International, Inc. pay dividends?
    • What sector is Enova International, Inc. in?
    • What industry is Enova International, Inc. in?
    • What country is Enova International, Inc. based in?
    • When did Enova International, Inc. go public?
    • Is Enova International, Inc. in the S&P 500?
    • Is Enova International, Inc. in the NASDAQ 100?
    • Is Enova International, Inc. in the Dow Jones?
    • When was Enova International, Inc.'s last earnings report?
    • When does Enova International, Inc. report earnings?

    What is the ticker symbol for Enova International, Inc.?

    The ticker symbol for Enova International, Inc. is NYSE:ENVA

    Does Enova International, Inc. pay dividends?

    No, Enova International, Inc. does not pay dividends

    What sector is Enova International, Inc. in?

    Enova International, Inc. is in the Financial Services sector

    What industry is Enova International, Inc. in?

    Enova International, Inc. is in the Credit Services industry

    What country is Enova International, Inc. based in?

    Enova International, Inc. is headquartered in United States

    When did Enova International, Inc. go public?

    Enova International, Inc.'s initial public offering (IPO) was on November 13, 2014

    Is Enova International, Inc. in the S&P 500?

    No, Enova International, Inc. is not included in the S&P 500 index

    Is Enova International, Inc. in the NASDAQ 100?

    No, Enova International, Inc. is not included in the NASDAQ 100 index

    Is Enova International, Inc. in the Dow Jones?

    No, Enova International, Inc. is not included in the Dow Jones index

    When was Enova International, Inc.'s last earnings report?

    Enova International, Inc.'s most recent earnings report was on April 29, 2025

    When does Enova International, Inc. report earnings?

    The next expected earnings date for Enova International, Inc. is July 23, 2025
    On this page