ENVA logo

Enova International (ENVA)

Profile

Full Name

Enova International, Inc.

Ticker Symbol

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

$89.11(-1.77%)

Market cap

$2.28B(Mid cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$2.66B(+25.51% YoY)

Annual EPS

$7.43(+35.34% YoY)

PE ratio

11.98

Next earnings date

Apr 23, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$89.11
ENVA price is $89.11

30-Day Relative Volume

1.97
ENVA 30-day relative volume is 1.97

Price Performance

Price Most recent change

-1.77%
ENVA price was down -1.77% on Apr 11, 2025

Price YTD change

-7.06%
ENVA price is down -7.06% since January 1st

Price 1-year change

+50.09%
ENVA price is up +50.09% year-on-year

Price 3-year change

+137.31%
ENVA price is up +137.31% over the past 3 years

Price Range

Price All-time high

$117.56
ENVA price is currently -24.20% below its historical high of $117.56

Price 3-year low

$25.80
ENVA price is currently +245.39% above its 3-year low

Capitalization

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Market cap

Market cap

$2.28B
ENVA market capitalization is $2.28 billion

Market cap 3-year change

+85.14%
ENVA market capitalization is up +85.14% over the past 3 years

Market cap All-time high

$3.01B
ENVA market capitalization is currently -24.06% below its historical high of $3.01 billion

Market cap sector rank

69.92%
ENVA market capitalization is higher than 69.92% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

-6.35%
ENVA shares outstanding is down -6.35% year-on-year

Shares Outstanding 3-Year Change

-21.99%
ENVA shares outstanding is down -21.99% over the past 3 years

Technical Indicators

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Beta

1.34
ENVA beta is 1.34

200-day SMA

$91.23
ENVA price is currently -2.33% below its 200-day simple moving average

50-day SMA

$100.18
ENVA price is currently -11.05% below its 50-day simple moving average

RSI

42.93
ENVA 14-day relative strength index is 42.93

Volume

1.97
ENVA 30-day relative volume is 1.97

ATR

$5.62
ENVA average true range is $5.62

10-day Historical Volatility

101.47%
ENVA 10-day historical volatility is 101.47%

Dividend

Income Statement

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Revenue

Revenue

$2.66B
ENVA annual revenue is $2.66 billion

Revenue Analysts estimate

$3.10B
ENVA annual revenue is currently -14.23% 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

85.43%
ENVA annual revenue is higher than 85.43% of companies in Financial Services sector

EPS

EPS

$7.43
ENVA annual earnings per share is $7.43

EPS Analysts estimate

$11.51
ENVA annual earnings per share is currently -35.42% 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

89.69%
ENVA annual earnings per share is higher than 89.69% 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

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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

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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

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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

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PE Ratio

PE ratio

11.98
ENVA price to earnings ratio is 11.98

PE ratio Sector rank

49.64%
ENVA price to earnings ratio is higher than 49.64% of companies in Financial Services sector

PB Ratio

PB ratio

1.91
ENVA price to book ratio is 1.91

PB ratio Sector rank

77.69%
ENVA price to book ratio is higher than 77.69% of companies in Financial Services sector

PS Ratio

PS ratio

0.86
ENVA price to sales ratio is 0.86

PS ratio Sector rank

13.66%
ENVA price to sales ratio is higher than 13.66% of companies in Financial Services sector

Enterprise value

Enterprise value

$5.80B
ENVA enterprise value is $5.80 billion

Enterprise value Sector rank

78.33%
ENVA enterprise value is higher than 78.33% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

17.35
ENVA EV/EBITDA is 17.35

EV/EBITDA Sector rank

92.9%
ENVA EV/EBITDA is higher than 92.9% of companies in Financial Services sector

Financial Health

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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

7
ENVA piotroski f-score is 7

Altman Z-Score

2.52
ENVA altman z-score is 2.52

Analyst ratings

Recent major analysts updates

Feb 6, 25 Maxim Group
Buy
Feb 5, 25 Stephens & Co.
Overweight
Feb 5, 25 JMP Securities
Market Outperform
Feb 5, 25 BTIG
Buy
Nov 13, 24 Stephens & Co.
Overweight
Oct 23, 24 TD Cowen
Hold
Oct 23, 24 JMP Securities
Market Outperform
Oct 23, 24 BTIG
Buy
Oct 14, 24 JMP Securities
Market Outperform
Aug 26, 24 Janney Montgomery Scott
Neutral

Institutional Ownership

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  • What is the ticker symbol for Enova International?
  • Does Enova International pay dividends?
  • What sector is Enova International in?
  • What industry is Enova International in?
  • What country is Enova International based in?
  • When did Enova International go public?
  • Is Enova International in the S&P 500?
  • Is Enova International in the NASDAQ 100?
  • Is Enova International in the Dow Jones?
  • When was Enova International's last earnings report?
  • When does Enova International report earnings?
  • Should I buy Enova International stock now?

What is the ticker symbol for Enova International?

The ticker symbol for Enova International is NYSE:ENVA

Does Enova International pay dividends?

No, Enova International does not pay dividends

What sector is Enova International in?

Enova International is in the Financial Services sector

What industry is Enova International in?

Enova International is in the Credit Services industry

What country is Enova International based in?

Enova International is headquartered in United States

When did Enova International go public?

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

Is Enova International in the S&P 500?

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

Is Enova International in the NASDAQ 100?

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

Is Enova International in the Dow Jones?

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

When was Enova International's last earnings report?

Enova International's most recent earnings report was on Feb 4, 2025

When does Enova International report earnings?

The next expected earnings date for Enova International is Apr 23, 2025

Should I buy Enova International stock now?

As of today, analysts generally recommend a 'Buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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