A Business at a Glance
0 of 1 daily views used (1 remaining). Sign up free for +5 more daily views (6 total), or try AAPL for a full preview.
Enova International, Inc.
ENVA
$6.4B
Mkt Cap
$237.27
+8.94%
Enova International, Inc. (ENVA) has a current P/E ratio of 20.6, compared to its historical median P/E of 11.3. The stock is currently considered Expensive based on its historical valuation range.
Enova International, Inc. (ENVA) has a 5-year average return on invested capital (ROIC) of 6.8%. This is below average and may indicate limited pricing power.
Enova International, Inc. (ENVA) has a market capitalization of $5.9B. It is classified as a mid-cap stock.
Enova International, Inc. (ENVA) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 2.85%.
Based on historical P/E analysis, Enova International, Inc. (ENVA) appears expensive. The current P/E of 20.6 is 82% above its historical median of 11.3. The estimated fair value CAGR (P/E method) is 16.6%.
Enova International, Inc. (ENVA) operates in the Personal Credit Institutions industry, within the Financials sector.
We are a leading technology and analytics company focused on providing online financial services. In 2025, we extended approximately $7.8 billion in credit or financing to borrowers. As of December 31, 2025, we offered or arranged loans or draws on lines of credit to consumers in 37 states in the United States and Brazil. We also offered or arranged financing to small businesses in 49 states and Washington D.C. in the United States. We use our proprietary technology, analytics and customer service capabilities to quickly evaluate, underwrite and fund loans or provide financing, allowing us to offer consumers and small businesses credit or financing when and how they want it. Our customers include the large and growing number of consumers and small businesses that have bank accounts but use alternative financial services because of their limited access to more traditional credit from banks, credit card companies and other lenders.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 3.3B | 3.2B | 2.7B | 2.1B | 1.7B | 1.2B |
| Net Income | 327M | 308M | 209M | 175M | 207M | 256M |
| EPS | $13.12 | $11.52 | $7.43 | $5.49 | $6.19 | $6.79 |
| Free Cash Flow | 1.9B | 1.8B | 1.5B | 1.1B | 850M | 442M |
| ROIC | 9.7% | 5.8% | 4.7% | 4.6% | 7.0% | 11.8% |
| Gross Margin | 58.9% | 58.1% | 57.5% | 58.1% | 64.4% | 50.2% |
| Debt/Equity | 3.45 | 3.37 | 2.98 | 2.37 | 1.90 | 1.27 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 775M | 739M | 585M | 422M | 384M | 413M |
| Operating Margin | 23.6% | 23.5% | 22.0% | 19.9% | 22.1% | 34.2% |
| ROE | 23.3% | 24.3% | 17.2% | 14.4% | 18.2% | 25.5% |
| Shares Outstanding | 25M | 27M | 28M | 32M | 34M | 38M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 810M | 653M | 746M | 729M | 973M | 1.2B | 1.1B | 1.2B | 1.7B | 2.1B | 2.7B | 3.2B | 3.3B |
| Gross Margin | 67.1% | 66.8% | 56.0% | 51.5% | 48.2% | 48.7% | 63.1% | 50.2% | 64.4% | 58.1% | 57.5% | 58.1% | 58.9% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 108M | 102M | 98M | 100M | 100K | 109M | 141M | 157M | 140M | 160M | 157M | 170M | 175M |
| EBIT | 215M | 124M | 121M | 116M | 176M | 248M | 358M | 413M | 384M | 422M | 585M | 739M | 775M |
| Op. Margin | 26.5% | 19.1% | 16.3% | 15.9% | 18.0% | 21.1% | 33.0% | 34.2% | 22.1% | 19.9% | 22.0% | 23.5% | 23.6% |
| Net Income | 112M | 44M | 35M | 29M | 70M | 37M | 378M | 256M | 207M | 175M | 209M | 308M | 327M |
| Net Margin | 13.8% | 6.7% | 4.6% | 4.0% | 7.2% | 3.1% | 34.9% | 21.2% | 11.9% | 8.3% | 7.9% | 9.8% | 10.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 17.9% | 6.3% | 4.2% | 3.0% | 6.2% | 2.8% | 23.4% | 11.8% | 7.0% | 4.6% | 4.7% | 5.8% | 9.7% |
| ROE | 68.3% | 24.4% | 15.5% | 11.2% | 22.3% | 10.1% | 58.4% | 25.5% | 18.2% | 14.4% | 17.2% | 24.3% | 23.3% |
| ROA | 15.4% | 5.5% | 3.8% | 2.7% | 5.6% | 2.5% | 20.5% | 10.5% | 6.3% | 4.2% | 4.3% | 5.3% | 4.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 430M | 284M | 393M | 447M | 685M | 849M | 741M | 472M | 894M | 1.2B | 1.5B | 1.8B | 1.9B |
| Free Cash Flow | 417M | 252M | 379M | 432M | 670M | 829M | 711M | 442M | 850M | 1.1B | 1.5B | 1.8B | 1.9B |
| Owner Earnings | 411M | 256M | 369M | 423M | 659M | 822M | 703M | 346M | 835M | 1.1B | 1.5B | 1.7B | 1.7B |
| CapEx | 13M | 32M | 14M | 15M | 15M | 20M | 29M | 30M | 44M | 45M | 43M | 47M | 45M |
| Maint. CapEx | 19M | 18M | 16M | 13M | 14M | 15M | 20M | 105M | 37M | 38M | 40M | 42M | 158M |
| Growth CapEx | 0 | 14M | 0 | 1.9M | 456K | 5.0M | 9.8M | 0 | 6.8M | 7.1M | 3.2M | 5.3M | 0 |
| D&A | 19M | 18M | 16M | 13M | 14M | 15M | 20M | 105M | 37M | 38M | 40M | 42M | 158M |
| CapEx/OCF | 3.1% | 11.4% | 3.7% | 3.7% | 2.1% | 2.4% | 4.0% | 6.3% | 4.9% | 3.9% | 2.8% | 2.6% | 2.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 122M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 16.3% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 187K | 437K | 5.1M | 17M | 34M | 56M | 117M | 143M | 153M | 289M | 215M | 169M |
| Buyback Yield | N/A | 0.1% | 0.1% | 1.0% | 2.5% | 4.2% | 6.7% | 7.5% | 11.3% | 8.5% | 10.5% | 4.9% | 2.9% |
| Stock-Based Comp | 664K | 9.6M | 8.5M | 11M | 12M | 12M | 18M | 21M | 22M | 27M | 32M | 33M | 34M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 563K | 563K |
| Balance Sheet | |||||||||||||
| Net Debt | 419M | 441M | 668M | 739M | 830M | 955M | 649M | 1.2B | 2.2B | 2.9B | 3.5B | 4.4B | 4.7B |
| Cash & Equiv. | 75M | 42M | 40M | 50M | 28M | 36M | 297M | 165M | 100M | 54M | 74M | 72M | 96M |
| Long-Term Debt | 494M | 542M | 650M | 789M | 858M | 991M | 946M | 1.4B | 2.3B | 2.9B | 3.6B | 4.5B | 4.8B |
| Debt/Equity | 3.21 | 2.35 | 2.93 | 2.80 | 2.47 | 2.63 | 1.03 | 1.27 | 1.90 | 2.37 | 2.98 | 3.37 | 3.45 |
| Interest Coverage | 5.6 | 2.4 | 1.9 | 1.6 | 2.2 | 3.3 | 4.1 | 5.4 | 3.3 | 2.2 | 2.0 | 2.2 | 2.2 |
| Equity | 154M | 206M | 242M | 282M | 348M | 377M | 917M | 1.1B | 1.2B | 1.2B | 1.2B | 1.3B | 1.4B |
| Total Assets | 760M | 841M | 978M | 1.2B | 1.3B | 1.6B | 2.1B | 2.8B | 3.8B | 4.6B | 5.3B | 6.5B | 6.9B |
| Total Liabilities | 606M | 635M | 736M | 878M | 987M | 1.2B | 1.2B | 1.7B | 2.6B | 3.3B | 4.1B | 5.1B | 5.5B |
| Intangibles | 39K | 6.5M | 5.4M | 4.3M | 3.3M | 2.2M | 26M | 35M | 27M | 19M | 11M | 3.7M | 2.4M |
| Retained Earnings | 157M | 201M | 235M | 265M | 336M | 373M | 849M | 1.1B | 1.3B | 1.5B | 1.7B | 2.0B | 2.1B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 3.38 | 1.33 | 1.03 | 0.86 | 1.99 | 1.06 | 11.70 | 6.79 | 6.19 | 5.49 | 7.43 | 11.52 | 13.12 |
| Owner EPS | 12.43 | 7.74 | 10.99 | 12.43 | 18.71 | 23.79 | 21.77 | 9.17 | 24.92 | 34.55 | 52.02 | 65.16 | 68.65 |
| Book Value | 4.66 | 6.23 | 7.19 | 8.28 | 9.87 | 10.90 | 28.41 | 28.96 | 35.40 | 38.88 | 42.46 | 49.93 | 56.25 |
| Cash Flow/Share | 13.01 | 8.58 | 11.71 | 13.15 | 19.44 | 24.57 | 22.94 | 12.50 | 26.68 | 36.58 | 54.58 | 67.95 | 19.44 |
| Dividends/Share | 3.71 | 3.71 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 33.0M | 33.1M | 33.6M | 34.0M | 35.2M | 34.5M | 32.3M | 37.7M | 33.5M | 31.9M | 28.2M | 26.8M | 24.9M |
| Valuation | |||||||||||||
| P/E Ratio | 6.5 | 5.0 | 12.4 | 18.0 | 9.7 | 22.1 | 2.2 | 6.1 | 6.1 | 10.3 | 13.2 | 14.3 | 18.1 |
| P/FCF | 1.7 | 0.9 | 1.1 | 1.2 | 1.0 | 1.0 | 1.2 | 3.5 | 1.5 | 1.6 | 1.8 | 2.5 | 3.2 |
| EV/EBIT | 5.0 | 5.5 | 8.2 | 8.8 | 8.5 | 7.0 | 3.3 | 6.3 | 8.7 | 11.0 | 10.6 | 11.9 | 13.7 |
| Price/Book | 4.7 | 1.1 | 1.8 | 1.9 | 2.0 | 2.1 | 0.9 | 1.4 | 1.1 | 1.4 | 2.3 | 3.3 | 4.2 |
| Price/Sales | 0.9 | 0.8 | 0.4 | 0.6 | 1.0 | 0.7 | 0.5 | 1.1 | 0.7 | 0.7 | 0.8 | 0.9 | 1.8 |
| FCF Yield | 57.6% | 113.6% | 88.1% | 82.2% | 98.1% | 102.6% | 85.1% | 28.4% | 67.2% | 62.4% | 54.2% | 40.2% | 31.4% |
| Market Cap | 723M | 222M | 430M | 525M | 683M | 808M | 836M | 1.6B | 1.3B | 1.8B | 2.8B | 4.4B | 5.9B |
| Avg. Price | 22.78 | 16.33 | 8.15 | 14.11 | 26.85 | 23.37 | 17.52 | 33.74 | 35.87 | 47.59 | 73.06 | 110.25 | 237.27 |
| Year-End Price | 21.89 | 6.70 | 12.80 | 15.45 | 19.40 | 23.39 | 25.88 | 41.21 | 37.76 | 56.31 | 97.88 | 164.84 | 237.27 |
Enova International, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
Enova International, Inc. trades at 20.6x trailing earnings, compared to its 15-year median P/E of 11.3x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 3.3x vs a median of 1.4x. The company's 5-year average ROIC is 6.8% with a gross margin of 57.6%. Total shareholder yield (buybacks) is 2.9%. At current prices, the estimated annualized return to fair value is +19.1%.
Enova International, Inc. (ENVA) reported annual revenue of $3.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
Enova International, Inc. (ENVA) has a net profit margin of 9.8%. This is a modest margin.
Enova International, Inc. (ENVA) generated $1.8 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Enova International, Inc. (ENVA) has a debt-to-equity ratio of 3.37. This indicates higher leverage, which may increase financial risk.
Enova International, Inc. (ENVA) reported earnings per share (EPS) of $11.52 in its most recent fiscal year.
Enova International, Inc. (ENVA) has a return on equity (ROE) of 24.3%. This indicates the company generates strong returns for shareholders.
Enova International, Inc. (ENVA) has a 5-year average gross margin of 57.6%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 14 years of financial data for Enova International, Inc. (ENVA), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Enova International, Inc. (ENVA) has a book value per share of $49.93, based on its most recent annual SEC filing.