Enova International/$ENVA
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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 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
- Finance
- Primary listing
- NYSE
- Employees
- 1,836
- Headquarters
- Chicago, United States
- Website
- www.enova.com
ENVA Metrics
BasicAdvanced
$4.1B
11.53
$14.48
1.39
-
Price and volume
Market cap
$4.1B
Beta
1.39
52-week high
$267.45
52-week low
$119.02
Average daily volume
338K
Financial strength
Current ratio
20.656
Quick ratio
19.538
Long term debt to equity
3.448
Total debt to equity
3.448
Profitability
Gross margin (TTM)
83.66%
Net profit margin (TTM)
20.91%
Operating margin (TTM)
27.66%
Effective tax rate (TTM)
22.68%
Revenue per employee (TTM)
$1,000,000
Management effectiveness
Return on assets (TTM)
5.60%
Return on equity (TTM)
26.82%
Valuation
Price to earnings (TTM)
11.533
Price to revenue (TTM)
2.269
Price to book
2.63
Price to tangible book (TTM)
3.21
Price to free cash flow (TTM)
2.068
Free cash flow yield (TTM)
48.35%
Free cash flow per share (TTM)
80.748
Growth
Revenue change (TTM)
29.33%
Earnings per share change (TTM)
33.84%
3-year revenue growth (CAGR)
21.49%
10-year revenue growth (CAGR)
10.78%
3-year earnings per share growth (CAGR)
34.88%
10-year earnings per share growth (CAGR)
32.01%
What the Analysts think about ENVA
Analyst ratings (Buy, Hold, Sell) for Enova International stock.
Analyst projections of the future price of Enova International stock.
Bulls say / Bears say
Enova is growing quickly across its lending businesses: third-quarter originations rose 31%, revenue increased 26% to just over $1 billion, and receivables grew 30% year on year. (Enova International)
Profitability is keeping pace with growth. Adjusted earnings per share rose 33%, while the net revenue margin increased to 61% and the consolidated net charge-off ratio improved to 8.1% from 8.5%. (Enova International)
Management expects fourth-quarter revenue to grow about 25% and adjusted EPS to rise 30%–35% year on year; Enova also ended September with $1.3 billion of liquidity and repurchased $46 million of shares in the quarter. (Investing.com, Enova International)
Some credit indicators are worsening beneath the stronger consolidated charge-off figure: more than 30-day delinquencies rose to 8.0% from 7.2% a year earlier, while the small-business delinquency rate climbed to 7.8% from 6.2%. (Cobalt Intelligence, The Motley Fool)
Enova withdrew its proposed Grasshopper bank acquisition after regulatory uncertainty and political opposition, removing a planned route to bank deposits and broader banking capabilities. S&P consequently revised its outlook from positive to stable. (S&P Global Ratings, Enova International)
The balance sheet leaves limited room for a credit shock: S&P reported leverage of 4.2x and rolling 12-month net charge-offs of 28.2%, and warned that softer spending and higher unemployment could worsen delinquencies and profitability. (S&P Global Ratings)
Data summarised monthly by Lightyear AI. Last updated on 8 Nov 2026.
ENVA Financial Performance
Revenues and expenses
ENVA Earnings Performance
Company profitability
Upcoming events
No upcoming events
ENVA News
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Funds containing ENVA
Fund name | Fund size | $ENVA weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $2.5B | 0.24% |
iShares S&P Small Cap 600£ISP6 | $2.5B | 0.24% |
SPDR Russell 2000 US Small Cap€R2US | $4.7B | 0.14% |
SPDR Russell 2000 US Small Cap£R2SC | $4.7B | 0.14% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.05% |
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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