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
Employees
1,787
Headquarters
Website
ENVA Metrics
BasicAdvanced
$2.7B
11.31
$9.37
1.48
-
Price and volume
Market cap
$2.7B
Beta
1.48
52-week high
$130.34
52-week low
$79.41
Average daily volume
293K
Financial strength
Current ratio
20.451
Quick ratio
19.194
Long term debt to equity
325.247
Total debt to equity
325.247
Profitability
Gross margin (TTM)
82.32%
Net profit margin (TTM)
18.79%
Operating margin (TTM)
25.49%
Effective tax rate (TTM)
21.16%
Revenue per employee (TTM)
$760,000
Management effectiveness
Return on assets (TTM)
4.86%
Return on equity (TTM)
21.56%
Valuation
Price to earnings (TTM)
11.314
Price to revenue (TTM)
2.011
Price to book
2.16
Price to tangible book (TTM)
2.82
Price to free cash flow (TTM)
1.691
Free cash flow yield (TTM)
59.15%
Free cash flow per share (TTM)
62.689
Growth
Revenue change (TTM)
21.96%
Earnings per share change (TTM)
57.71%
3-year revenue growth (CAGR)
11.82%
10-year revenue growth (CAGR)
7.54%
3-year earnings per share growth (CAGR)
17.96%
10-year earnings per share growth (CAGR)
15.03%
What the Analysts think about ENVA
Analyst ratings (Buy, Hold, Sell) for Enova International stock.
Bulls say / Bears say
Enova International’s Q2 2025 GAAP revenue reached $764 million, up 22% year-over-year and surpassing the $756.58 million consensus estimate, marking the fifth consecutive quarter of >20% revenue growth. (Nasdaq)
Total originations climbed 28% year-over-year to $1.8 billion, driving combined loans and finance receivables to a record $4.3 billion, underlining strong demand across its consumer and small business lending products. (PRNewswire)
Enova ended Q2 2025 with $1.1 billion in liquidity and repurchased $54 million of its common stock, demonstrating both balance sheet strength and commitment to shareholder returns. (PRNewswire)
Enova’s consolidated net charge-off ratio rose to 8.1% in Q2 2025, up from 7.7% in Q2 2024, highlighting growing credit losses that could weigh on future profitability. (PRNewswire)
Enova’s net revenue margin declined to 58% in Q2 2025 from 59% a year earlier, indicating tightening profitability amid competitive pressures and rising credit costs. (PRNewswire)
Investor’s Business Daily assigns Enova an Accumulation/Distribution Rating of D, reflecting moderate recent institutional selling that may cap near-term stock upside. (Investor’s Business Daily)
Data summarised monthly by Lightyear AI. Last updated on 9 Oct 2025.
ENVA Financial Performance
Revenues and expenses
ENVA Earnings Performance
Company profitability
ENVA News
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FAQs
What’s the current market cap for Enova International stock?
Enova International (ENVA) has a market cap of $2.7B as of October 14, 2025.
What is the P/E ratio for Enova International stock?
The price to earnings (P/E) ratio for Enova International (ENVA) stock is 11.31 as of October 14, 2025.
Does Enova International stock pay dividends?
No, Enova International (ENVA) stock does not pay dividends to its shareholders as of October 14, 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 1.48. 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.