Enova International Inc

ENVA · NYSE · Financial Services / Credit Services

169.85USD+2.84 (+1.70%)

Price History

Full chart

Market Stats

Previous Close167.01

Open168.62

Day Range167.40 – 170.66

52-Week Range103.02 – 267.45

Volume193.85K

Market Cap4.28B

P/E (TTM)12.78

Forward P/E8.33

EPS13.45

Dividend Yield0.00%

Beta1.21

50-Day Avg230.86

200-Day Avg181.62

About

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMr. Steven E. Cunningham C.F.A.
Employees1.84K
Headquarters175 West Jackson Blvd., Chicago, IL, United States, 60604, USA
Websitehttps://www.enova.com

Leadership

Mr. David A. Fisher J.D.Executive Chairman · b. 1969
Mr. Steven E. Cunningham C.F.A.CEO & Director · b. 1970
Mr. Sean Rahilly J.D.General Counsel, Secretary & Chief Compliance Officer · b. 1973
Mr. Kirk L. F. ChartierChief Strategy Officer · b. 1964
Mr. Scott CornelisCFO & Treasurer · b. 1979
Mr. James Joseph LeeChief Accounting Officer & Controller · b. 1979
Mr. Joseph M. DeCosmoCTO & Chief Analytics Officer · b. 1966
Erin YeagerHead of Communications
Ms. Kelly JordanChief Marketing Officer
Ms. Claudine KourkoumelisChief People Officer

Financials

Income Statement

Currency: USD	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	254.98M	378.46M	480.34M	660.93M	765.32M	809.84M	652.60M	745.57M	728.90M	972.62M	1.17B	1.08B	1.21B	1.74B	2.12B	2.66B	3.15B
Growth (%)	-	+48.43%	+26.92%	+37.60%	+15.80%	+5.82%	-19.42%	+14.25%	-2.24%	+33.44%	+20.78%	-7.75%	+11.46%	+43.72%	+21.98%	+25.51%	+18.58%
Cost of Revenue	121.03M	180.46M	219.11M	309.47M	334.84M	305.26M	269.74M	393.57M	427.49M	582.77M	678.50M	486.21M	260.18M	734.41M	1.08B	1.42B	1.57B
Gross Profit	133.95M	198.00M	261.23M	351.46M	430.48M	504.58M	382.86M	352.00M	301.41M	389.85M	496.26M	597.50M	947.75M	1.00B	1.04B	1.24B	1.58B
Gross Margin	52.53%	52.32%	54.39%	53.18%	56.25%	62.31%	58.67%	47.21%	41.35%	40.08%	42.24%	55.13%	78.46%	57.70%	48.88%	46.62%	50.13%
Operating Expense	106.04M	158.99M	184.94M	237.28M	287.89M	289.57M	258.47M	230.52M	185.22M	214.31M	248.05M	239.71M	534.69M	617.68M	613.01M	654.25M	840.53M
Operating Income	27.91M	39.00M	76.29M	114.18M	142.60M	215.01M	124.39M	121.48M	116.19M	175.55M	248.21M	357.80M	413.06M	383.99M	422.13M	584.76M	739.43M
Operating Margin	10.95%	10.31%	15.88%	17.28%	18.63%	26.55%	19.06%	16.29%	15.94%	18.05%	21.13%	33.02%	34.20%	22.12%	19.93%	22.00%	23.46%
EBITDA	156.23M	228.03M	70.13M	106.45M	139.95M	195.27M	89.89M	71.44M	55.47M	110.38M	187.66M	290.84M	371.93M	304.97M	265.51M	334.52M	529.82M
EBITDA Margin	61.27%	60.25%	14.60%	16.11%	18.29%	24.11%	13.77%	9.58%	7.61%	11.35%	15.97%	26.84%	30.79%	17.57%	12.54%	12.59%	16.81%
Net Income	17.70M	24.82M	37.03M	58.87M	78.04M	111.67M	43.99M	34.60M	29.24M	70.10M	36.61M	377.84M	256.30M	207.42M	175.12M	209.45M	308.39M
Net Income Margin	6.94%	6.56%	7.71%	8.91%	10.20%	13.79%	6.74%	4.64%	4.01%	7.21%	3.12%	34.87%	21.22%	11.95%	8.27%	7.88%	9.78%
R&D	-	-	-	-	-	0	0	0.08	0.04	0.07	0.14	0.4	0.28	0.16	0.11	-	67.50M
R&D as % of Total Revenue	-	-	-	-	-	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-	2.14%
Interest Expense	121.03M	180.46M	219.11M	21.00M	19.79M	38.47M	52.88M	65.60M	74.00M	79.36M	75.60M	86.69M	76.51M	115.89M	194.78M	290.44M	169.57M
Interest Expense % of Total Revenue	47.47%	47.68%	45.61%	3.18%	2.59%	4.75%	8.10%	8.80%	10.15%	8.16%	6.44%	8.00%	6.33%	6.68%	9.20%	10.93%	5.38%

Balance Sheet

Currency: USD	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	375.74M	421.77M	534.44M	612.87M	692.15M	760.20M	880.87M	977.88M	1.16B	1.33B	1.57B	2.11B	2.76B	3.78B	4.59B	5.27B	6.47B
Total Liabilities	320.38M	341.89M	492.90M	515.45M	519.10M	606.21M	674.90M	736.18M	877.77M	980.42M	1.20B	1.19B	1.67B	2.59B	3.35B	4.07B	5.13B
Total Equity	55.35M	79.87M	41.54M	97.42M	173.05M	153.98M	205.97M	241.70M	281.69M	347.77M	376.61M	918.83M	1.09B	1.19B	1.24B	1.20B	1.34B
Cash	27.26M	19.19M	38.16M	37.55M	47.48M	75.11M	42.07M	39.93M	68.68M	52.92M	35.90M	297.27M	165.48M	100.17M	377.44M	73.91M	71.71M
Total Debt	255.80M	270.27M	410.81M	855.78M	426.18M	495.76M	556.27M	652.91M	791.54M	860.10M	1.03B	1.01B	1.43B	2.29B	2.99B	3.60B	4.56B
Net Debt	228.54M	251.08M	372.65M	818.23M	378.70M	420.65M	511.20M	609.98M	719.86M	805.01M	992.51M	717.14M	1.26B	2.19B	2.61B	3.52B	4.49B

Cash Flow

Currency: USD	2009-12-31	2010-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	150.88M	218.45M	257.94M	375.51M	438.30M	422.07M	283.92M	393.37M	447.17M	684.84M	875.62M	740.87M	471.87M	894.00M	1.17B	1.54B	1.82B
Investing Cash Flow	-179.22M	-224.91M	-281.29M	-365.52M	-403.74M	-305.23M	-372.17M	-484.58M	-527.13M	-720.93M	-941.40M	83.58M	-980.37M	-1.67B	-1.49B	-1.91B	-2.45B
Financing Cash Flow	39.32M	-1.03M	43.12M	-9.01M	-28.57M	-79.04M	56.62M	99.88M	104.58M	22.48M	95.48M	-535.97M	365.15M	724.87M	526.54M	318.88M	711.82M
Capital Expenditure	12.36M	12.69M	15.07M	17.87M	14.87M	13.28M	32.24M	14.40M	16.53M	16.08M	20.06M	29.49M	29.67M	43.63M	45.24M	43.42M	47.14M
Free Cash Flow	138.52M	205.77M	242.87M	357.64M	423.43M	408.78M	251.68M	378.98M	430.64M	668.76M	855.55M	711.38M	442.19M	850.37M	1.12B	1.50B	1.77B
Dividends Paid	-	-	-	-	-	122.38M	0	0	0	-	3.56M	189.00K	15.46M	4.24M	22.42M	-	-
FCF to OCF	91.81%	94.19%	94.16%	95.24%	96.61%	96.85%	88.64%	96.34%	96.30%	97.65%	97.71%	96.02%	93.71%	95.12%	96.12%	97.18%	97.41%
Dividend Paid to FCF	-	-	-	-	-	29.94%	0.00%	0.00%	0.00%	-	0.42%	0.03%	3.50%	0.50%	2.00%	-	-

Earnings

Report Date	Nov 14, 2014	Feb 3, 2015	May 6, 2015	Aug 5, 2015	Nov 4, 2015	Feb 4, 2016	Apr 28, 2016	Jul 28, 2016	Oct 27, 2016	Feb 2, 2017	Apr 27, 2017	Jul 27, 2017	Oct 26, 2017	Feb 1, 2018	Apr 26, 2018	Jul 26, 2018	Oct 25, 2018	Jan 31, 2019	Apr 25, 2019	Jul 25, 2019	Oct 24, 2019	Jan 29, 2020	Apr 28, 2020	Jul 28, 2020	Oct 27, 2020	Feb 4, 2021	Apr 29, 2021	Jul 29, 2021	Oct 28, 2021	Feb 3, 2022	May 3, 2022	Jul 28, 2022	Oct 27, 2022	Feb 1, 2023	Apr 25, 2023	Jul 25, 2023	Oct 24, 2023	Jan 30, 2024	Apr 23, 2024	Jul 23, 2024	Oct 22, 2024	Feb 4, 2025	Apr 29, 2025	Jul 24, 2025	Oct 23, 2025	Jan 27, 2026	Apr 23, 2026	Jul 23, 2026	Oct 22, 2026
EPS Estimate	-	0.57	0.69	0.47	0.36	0.13	0.17	0.21	0.22	0.27	0.40	0.37	0.16	0.23	0.67	0.53	0.47	0.52	0.95	0.64	0.81	1.08	1.34	0.92	0.80	1.23	1.29	1.31	1.11	1.18	1.57	1.53	1.64	1.71	1.53	1.68	2.00	1.66	1.72	2.07	2.31	2.27	2.76	2.98	3.03	3.17	3.68	3.73	4.19
EPS Actual	0.56	0.68	0.79	0.44	0.19	0.19	0.31	0.28	0.28	0.25	0.45	0.41	0.25	0.26	1.02	0.59	0.46	0.52	1.16	0.81	0.86	0.92	0.26	1.68	2.97	2.39	2.20	2.26	1.50	1.61	1.67	1.64	1.74	1.76	1.79	1.72	1.50	1.83	1.91	2.21	2.45	2.61	2.98	3.23	3.36	3.46	3.87	4.05	-
Surprise	-	19.30%	14.49%	-6.38%	-47.22%	46.15%	82.35%	33.33%	27.27%	-7.41%	12.50%	10.81%	56.25%	13.04%	52.24%	11.32%	-2.13%	0.00%	22.11%	26.56%	6.17%	-14.81%	-80.60%	82.61%	271.25%	94.31%	70.54%	72.52%	35.14%	36.44%	6.37%	7.19%	6.10%	2.92%	16.99%	2.38%	-25.00%	10.24%	11.05%	6.76%	6.06%	14.98%	7.97%	8.39%	10.89%	9.15%	5.16%	8.58%	-
Timing	After-hours	After-hours	After-hours	Pre-market	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap4.28B

Enterprise Value9.13B

Trailing P/E12.78

Forward P/E8.33

PEG Ratio0.00

Price / Sales2.53

Price / Book2.81

EPS13.45

Book Value60.16

Revenue (TTM)1.69B

Gross Profit (TTM)1.41B

Profit Margin21.01%

Operating Margin29.94%

Return on Equity26.08%

Return on Assets5.49%

Shares Outstanding24.90M

Shares Float23.81M

Beta1.21

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Analyst Ratings

Strong Buy

Based on 8 analystsTarget 241.00

Strong Buy
5
Buy
2
Hold
1

Ownership Breakdown

Institutions: 97.50%
Insiders: 4.53%
Retail / Other: 0.00%

Top Institutional Holders

BlackRock Inc
4.06M16.31%
Vanguard Capital Management, LLC
1.07M4.28%
State Street Corp
965.00K3.88%
Amvescap Plc.
888.19K3.57%
Dimensional Fund Advisors, Inc.
880.28K3.54%
Vanguard Portfolio Management, LLC
866.45K3.48%
Renaissance Technologies Corp
750.09K3.01%
Geode Capital Management, LLC
668.63K2.69%
FMR Inc
603.55K2.42%
Franklin Templeton Inc
567.83K2.28%
American Century Companies Inc
415.10K1.67%
The Goldman Sachs Group Inc
413.96K1.66%
T. Rowe Price Associates, Inc.
407.63K1.64%
Charles Schwab Investment Management Inc
400.75K1.61%
Empyrean Capital Partners, LP
391.00K1.57%

Top Fund Holders

iShares Core S&P Small-Cap ETF
1.52M6.09%
Vanguard MStar Total Stk Mkt Idx Invest
752.23K3.02%
iShares Russell 2000 ETF
623.61K2.50%
Invesco Discovery A
553.46K2.22%
Fidelity Small Cap Growth
369.76K1.49%