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
$2.9B
12.29
$9.37
1.48
-
Price and volume
Market cap
$2.9B
Beta
1.48
52-week high
$124.29
52-week low
$78.46
Average daily volume
264K
Financial strength
Current ratio
20.433
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)
12.292
Price to revenue (TTM)
2.185
Price to book
2.35
Price to tangible book (TTM)
3.06
Price to free cash flow (TTM)
1.837
Free cash flow yield (TTM)
54.45%
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
Q2 2025 revenue rose 22% YoY to $764 million and adjusted EPS increased 46% YoY to $3.23, both beating consensus estimates of $756.6 million and $2.98 respectively, reflecting robust execution across core metrics (Reuters)
Total originations grew 28% YoY to $1.8 billion and combined loans and finance receivables rose 20% to a record $4.3 billion, demonstrating strong market demand and effective credit deployment (PR Newswire)
With $1.1 billion in liquidity and $54 million of share repurchases during Q2, Enova has solid financial flexibility and a clear capital return strategy to support future growth (PR Newswire)
Net revenue margin narrowed to 58% from 59% in Q2 2024 while the net charge-off ratio rose to 8.1% from 7.7%, indicating slight credit cost pressure on core lending operations (PR Newswire)
Early in Q2, a consumer product line experienced elevated 30+ day delinquency and default rates before management tightened credit models, underscoring potential vulnerabilities in consumer lending segments (Fintool)
Enova’s stock declined over 5% to $117.63 following the Q2 earnings release despite strong results, suggesting investor concerns about market volatility and impending leadership transition risks (Investing.com)
Data summarised monthly by Lightyear AI. Last updated on 7 Sept 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 $2.9B as of September 16, 2025.
What is the P/E ratio for Enova International stock?
The price to earnings (P/E) ratio for Enova International (ENVA) stock is 12.29 as of September 16, 2025.
Does Enova International stock pay dividends?
No, Enova International (ENVA) stock does not pay dividends to its shareholders as of September 16, 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.