Enova International/$ENVA
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09:10
04:45
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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
$3B
13.82
$8.48
1.45
-
Price and volume
Market cap
$3B
Beta
1.45
52-week high
$119.06
52-week low
$63.07
Average daily volume
296K
Financial strength
Current ratio
18.527
Quick ratio
19.986
Long term debt to equity
313.984
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)
13.821
Price to revenue (TTM)
2.362
Price to book
2.5
Price to tangible book (TTM)
3.3
Price to free cash flow (TTM)
2.006
Free cash flow yield (TTM)
49.85%
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% increase in total revenue for Q1 2025, reaching $745.54 million, indicating strong growth momentum. (ainvest.com)
The company's net income for Q1 2025 grew by 51%, showcasing robust profitability. (ainvest.com)
Enova's diversified product offerings and scalable operating model have enabled consistent top- and bottom-line growth, positioning the company well for future expansion. (enova.com)
Despite revenue growth, Enova's net revenue margin declined from 64% in 2022 to 58% in 2024, indicating potential pressure on profitability. (enova.com)
The company's increased focus on small to mid-sized business (SMB) lending could expose it to higher default risks, especially in uncertain economic conditions. (third-news.com)
Enova's aggressive share repurchase program, while returning value to shareholders, may limit available capital for future investments or to buffer against potential downturns. (enova.com)
Data summarised monthly by Lightyear AI. Last updated on 8 Jul 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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
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 $3B as of July 11, 2025.
What is the P/E ratio for Enova International stock?
The price to earnings (P/E) ratio for Enova International (ENVA) stock is 13.82 as of July 11, 2025.
Does Enova International stock pay dividends?
No, Enova International (ENVA) stock does not pay dividends to its shareholders as of July 11, 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.