Enova International/$ENVA
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About Enova International
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.
Ticker
$ENVA
Sector
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
1,787
ISIN
US29357K1034
Website
ENVA Metrics
BasicAdvanced
$2.7B
12.45
$8.48
1.45
-
Price and volume
Market cap
$2.7B
Beta
1.45
52-week high
$117.56
52-week low
$59.88
Average daily volume
219K
Financial strength
Current ratio
18.527
Quick ratio
17.576
Long term debt to equity
316.675
Total debt to equity
316.675
Profitability
Gross margin (TTM)
82.18%
Net profit margin (TTM)
17.94%
Operating margin (TTM)
24.57%
Effective tax rate (TTM)
21.35%
Revenue per employee (TTM)
$730,000
Management effectiveness
Return on assets (TTM)
4.64%
Return on equity (TTM)
19.94%
Valuation
Price to earnings (TTM)
12.447
Price to revenue (TTM)
2.127
Price to book
2.25
Price to tangible book (TTM)
2.97
Price to free cash flow (TTM)
1.806
Free cash flow yield (TTM)
55.36%
Free cash flow per share (TTM)
5,842.85%
Growth
Revenue change (TTM)
21.58%
Earnings per share change (TTM)
52.89%
3-year revenue growth (CAGR)
10.17%
10-year revenue growth (CAGR)
6.12%
3-year earnings per share growth (CAGR)
10.60%
10-year earnings per share growth (CAGR)
11.29%
What the Analysts think about ENVA
Analyst ratings (Buy, Hold, Sell) for Enova International stock.
Bulls say / Bears say
Enova International reported a 22.2% year-over-year increase in total revenue for Q1 2025, reaching $746 million, indicating strong financial growth. (ainvest.com)
The company achieved a 65.1% increase in earnings per share (EPS) in Q1 2025, rising to $2.84, reflecting enhanced profitability. (ainvest.com)
Analysts have raised their price targets for Enova International, with BTIG Research increasing its target from $122.00 to $129.00 and maintaining a 'buy' rating. (americanbankingnews.com)
Enova International's CEO, David Fisher, sold 15,000 shares of company stock in August 2024, which could be perceived as a lack of confidence in the company's future performance. (nasdaq.com)
The company's gross margin stands at 47.62%, which is below the industry average, indicating potential struggles in cost efficiency. (nasdaq.com)
Enova International's debt-to-equity ratio is notably higher than the industry average at 2.81, suggesting a heavier reliance on borrowed funds and raising concerns about financial leverage. (nasdaq.com)
Data summarised monthly by Lightyear AI. Last updated on 6 Jun 2025.
ENVA Financial Performance
Revenues and expenses
ENVA Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for Enova International stock?
Enova International (ENVA) has a market cap of $2.7B as of June 27, 2025.
What is the P/E ratio for Enova International stock?
The price to earnings (P/E) ratio for Enova International (ENVA) stock is 12.45 as of June 27, 2025.
Does Enova International stock pay dividends?
No, Enova International (ENVA) stock does not pay dividends to its shareholders as of June 27, 2025.
When is the next Enova International dividend payment date?
Enova International (ENVA) stock does not pay dividends to its shareholders.
What is the beta indicator for Enova International?
Enova International (ENVA) has a beta rating of 1.45. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.