Enova International, Inc. ENVA R2KR3KFINANCIAL

Q: What is the current share price of Enova International, Inc. (ENVA)?

As of 2026-09-07 16:24 PDT, Enova International, Inc. (ENVA) trades at $230.58 on NYSE. Its 52-week range is $104.01 to $265.45.

Q: What is the market capitalisation of ENVA?

Enova International, Inc. (ENVA) has a market capitalisation of $5.74B on NYSE.

Q: What is the P/E ratio of ENVA?

ENVA trades at a trailing price-to-earnings (P/E) ratio of 17.13. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 4.20.

Q: What is the return on equity (ROE) of ENVA?

ENVA has a return on equity (ROE) of 26.08%. Its return on capital employed (ROCE) is 11.55%.

Q: Is ENVA a good stock to buy?

This page provides a data-driven analysis of Enova International, Inc. (ENVA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Financial Services · Credit Services · United States

https://www.enova.com

Company Profile ↓

$230.58

+109.10% 1Y

Mkt Cap$5.74B

P/E17.13

P/B4.20

52W High$265.45

52W Low$104.01

Book Value$60.16

EPS (TTM)$13.46

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 26.1%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 12.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 12.8% CAGR over the past five years.

Reasonable Valuation

Trades at an undemanding P/E of 17.1.

Healthy Margins

Maintains a net profit margin of 21.0%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

Dec 2025 Revenue of $3.15B (+18.6% YoY); net profit $308.39M.
Trailing 12 Months Year-on-year growth — revenue +31.1%, earnings +39.9%.
5-Year Trend Long-term compounding — revenue CAGR 12.8%, profit CAGR 12.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:	12.77%
1 Year:	31.10%

Compounded Profit Growth

5 Years:	12.13%
1 Year:	39.90%

Stock Price Performance

1 Year:	+109.10%
6 Months:	+67.60%
3 Months:	+36.58%
1 Month:	-9.92%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed

52-Week Range 78% of range

$104.01 $265.45

Trend Signals

Price vs 50-DMABelow
Price vs 200-DMAAbove
RSI (14)43.09 · Neutral

Price Performance

1M-9.92%

3M+36.58%

6M+67.60%

1Y+109.10%

Valuation vs Sector

P/E of 17.13 is above the sector median of 14.52 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

Price Chart

Robinhood TradingView

Fundamental Growth Charts

Period: Metric:

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

Strong return on equity of 26.1%.
Excellent profit margin of 21.0%.
Compounding revenue at 12.8% over 5 years.
Profit CAGR of 12.1% over 5 years.
Generates positive free cash flow.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Valuation

Stock P/E

17.13

Industry PE

14.52

Forward P/E

11.20

PEG Ratio

Book Value

$60.16

Price to Book

4.20

P/S

3.72

EV/EBITDA

Dividend Yield

0.00%

Growth (CAGR)

Revenue 5Y

12.77%

Profit 5Y

12.13%

Revenue (YoY)

31.10%

Earnings (YoY)

39.90%

Profitability & Returns

ROCE

11.55%

ROE

26.08%

ROA

5.49%

Profit Margin

21.01%

Op Margin

29.94%

Gross Margin

83.29%

EPS (Latest Qtr)

$4.00

EPS (TTM)

$13.46

Balance Sheet & Liquidity

Debt/Equity

3.37

Quick Ratio

19.12

Current Ratio

20.15

Debt

$5.05B

Total Assets

$7.22B

Current Assets

Working Capital

Ownership

Promoter Holding

4.53%

Chg in Prom Hold

0.00%

FII / Inst Holding

97.74%

Chg in FII Hold

-0.00%

Financial Snapshot

Enterprise Value

$5.74B

Total Revenue (TTM)

$1.69B

EBITDA

Free Cash Flow

$442.19M

Operating Cash Flow

$2.00B

Shares Outstanding

24.90M

Gross Margin

83.29%

Payout Ratio

0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	ENVA Enova International, Inc. R2KR3KFINANCIAL	230.58	17.13	$5.74B	0.00%	11.55%	26.08%	12.77%	12.13%
2	JPM JPMorgan Chase & Co. SPXR3KFINANCIAL	358.64	15.37	$953.34B	1.68%	-	17.79%	12.50%	14.83%
3	BRK-B Berkshire Hathaway Inc. SPXFINANCIAL	506.03	15.07	$707.59B	0.00%	-	10.50%	4.18%	9.44%
4	V Visa Inc. SPXR3KFINANCIAL	374.00	31.86	$637.34B	0.72%	37.15%	61.19%	14.33%	13.04%
5	MA Mastercard Incorporated SPXR3KFINANCIAL	579.21	31.82	$503.60B	0.60%	60.19%	-	12.29%	19.21%
6	BAC Bank of America Corporation SPXR3KFINANCIAL	62.68	14.48	$438.31B	2.03%	-	11.20%	3.14%	4.27%
7	BRK-A Berkshire Hathaway Inc. FINANCIAL	759,350.00	15.07	$384.00B	0.00%	-	10.50%	7.60%	10.02%
8	HSBC HSBC Holdings plc FINANCIAL	107.11	15.30	$367.34B	3.62%	-	13.10%	9.75%	12.72%
9	MS Morgan Stanley SPXR3KFINANCIAL	217.72	17.59	$342.26B	2.15%	-	17.97%	3.76%	9.66%

Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric	Mar 2015	Jun 2015	Sep 2015	Dec 2015	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Mar 2026	Jun 2026
Revenue	165.68M	146.28M	165.23M	175.42M	174.65M	172.53M	195.94M	202.44M	192.26M	189.90M	217.88M	243.70M	219.31M	219.29M	257.31M	276.71M	264.44M	259.44M	305.61M	345.26M	362.25M	253.06M	204.54M	259.44M	264.72M	320.16M	385.73M	407.99M	456.20M	483.26M	499.43M	551.36M	609.89M	628.44M	689.92M	745.54M	764.04M	802.68M	875.14M	928.93M
Gross Profit	127.11M	104.74M	99.61M	104.28M	105.08M	107.08M	100.55M	104.89M	110.38M	110.04M	110.54M	116.15M	126.52M	112.93M	110.51M	119.26M	145.58M	136.01M	143.43M	146.84M	126.53M	132.39M	181.77M	238.37M	259.13M	246.38M	268.69M	264.57M	294.19M	285.89M	299.38M	319.61M	345.87M	370.19M	400.36M	426.18M	441.46M	460.71M	528.96M	568.07M
Operating Income	54.09M	30.36M	18.95M	-	31.85M	28.81M	28.10M	-	38.07M	35.20M	27.68M	-	61.71M	43.09M	37.80M	-	72.95M	58.17M	57.50M	-	29.09M	86.56M	122.01M	123.45M	122.71M	86.22M	90.75M	89.48M	98.51M	109.27M	111.60M	103.73M	130.79M	145.06M	153.71M	171.90M	184.11M	196.78M	207.11M	237.15M
Net Income	24.53M	10.86M	4.42M	4.18M	9.86M	8.19M	7.84M	8.71M	13.85M	11.87M	-3.37M	6.88M	27.90M	18.23M	15.30M	8.67M	35.02M	25.06M	27.09M	-50.55M	5.46M	48.03M	93.67M	75.92M	80.18M	51.55M	52.44M	52.40M	51.71M	50.92M	48.15M	41.28M	48.43M	53.91M	43.41M	72.94M	76.15M	80.31M	91.10M	105.06M
Diluted EPS	0.74	0.33	0.13	0.13	0.30	0.25	0.23	0.26	0.41	0.35	-0.10	0.20	0.81	0.52	0.43	0.25	1.02	0.73	0.78	-1.48	0.17	1.58	3.09	2.03	2.10	1.36	1.50	1.56	1.57	1.56	1.50	1.29	1.64	1.93	1.57	2.69	2.86	3.03	3.46	4.00

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	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
Gross Profit	372.45M	450.27M	543.05M	435.74M	417.60M	375.42M	469.22M	571.86M	684.19M	1.02B	1.12B	1.23B	1.53B	1.83B
Operating Income	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
Net Income	-	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
Diluted EPS	1.78	2.36	3.38	1.33	1.03	0.86	1.99	1.06	11.70	6.79	6.19	5.49	7.43	11.52

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	692.15M	760.20M	840.54M	977.88M	1.16B	1.33B	1.57B	2.11B	2.76B	3.78B	4.59B	5.27B	6.47B
Total Equity	41.85M	97.42M	173.05M	153.98M	205.97M	241.70M	281.69M	347.77M	376.61M	917.35M	1.09B	1.19B	1.24B	1.20B	1.34B
Cash & Equivalents	34.41M	37.55M	47.48M	75.11M	42.07M	39.93M	49.77M	28.11M	35.90M	297.27M	165.48M	100.17M	54.36M	73.91M	71.71M
Long Term Debt	-	-	424.13M	494.18M	541.91M	649.91M	788.54M	857.93M	991.18M	946.46M	1.38B	2.26B	2.94B	3.56B	4.50B
Total Liabilities	-	-	519.10M	606.21M	634.57M	736.18M	877.77M	986.58M	1.20B	1.19B	1.67B	2.59B	3.35B	4.07B	5.13B
Current Liabilities	-	-	49.61M	64.08M	-	-	-	-	-	-	-	-	-	-	-

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	-	-	-	-	393.37M	447.17M	684.84M	848.64M	740.87M	471.87M	894.00M	1.17B	1.54B	1.82B
Investing Cash Flow	-	-	-	-	-464.45M	-524.57M	-720.93M	-941.40M	83.58M	-980.37M	-1.67B	-1.49B	-1.91B	-2.45B
Financing Cash Flow	-	-	-	-	99.88M	104.58M	22.48M	95.48M	-535.97M	365.15M	724.87M	526.54M	318.88M	711.82M
Capital Expenditure	-17.87M	-14.87M	-13.28M	-32.24M	-14.40M	-15.23M	-14.66M	-20.06M	-29.49M	-29.67M	-	-	-	-
Free Cash Flow	-	-	-	-	378.98M	431.95M	670.18M	828.58M	711.38M	442.19M	-	-	-	-
Share Buybacks	-	-	-	187.00K	437.00K	5.08M	17.31M	33.78M	56.41M	116.66M	143.07M	153.19M	289.29M	214.59M
Dividends Paid	-	-	122.38M	-	-	-	-	-	-	-	-	-	-	-

Ratios (Annual)

Figures in %.

Metric	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	56.4%	58.8%	67.1%	66.8%	56.0%	51.5%	48.2%	48.7%	63.1%	84.8%	64.4%	58.1%	57.5%	58.1%
Operating Margin %	17.3%	18.6%	26.5%	19.1%	16.3%	15.9%	18.0%	21.1%	33.0%	34.2%	22.1%	19.9%	22.0%	23.5%
Net Margin %	-	10.2%	13.8%	6.7%	4.6%	4.0%	7.2%	3.1%	34.9%	21.2%	11.9%	8.3%	7.9%	9.8%
ROE %	-	45.1%	72.5%	21.4%	14.3%	10.4%	20.2%	9.7%	41.2%	23.4%	17.5%	14.1%	17.5%	23.1%
ROCE %	-	22.2%	30.9%	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

4.53%

Institutions

97.74%

Public Float

102.38%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	16.73%	4.16M	$969.24M
2	Vanguard Capital Management LLC	4.27%	1.06M	$247.61M
3	State Street Corporation	4.08%	1.01M	$236.19M
4	Invesco Ltd.	3.78%	941.18K	$219.03M
5	Dimensional Fund Advisors LP	3.54%	880.28K	$204.86M
6	FMR, LLC	3.49%	868.41K	$202.10M
7	Price (T.Rowe) Associates Inc	3.41%	849.35K	$197.66M
8	Vanguard Portfolio Management LLC	3.34%	831.03K	$193.40M
9	Renaissance Technologies, LLC	3.12%	777.29K	$180.89M
10	Geode Capital Management, LLC	2.84%	707.53K	$164.66M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ENVA

Google News Fri, 04 Sep 2026

ENVA News | ENOVA INTERNATIONAL INC (NYSE:ENVA) - ChartMill

<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTE42WnhFeDJ3cDFfX0FOX2xwcWRXRXAwLXpGaGVrSHBuV21BZXlja01VdklfWEJiWmtIci1kbjl4eUFMRG53cW1HdmNJYlo3YjIyRV9WeUc4YS0zWlE?oc=5" target="_blank">ENVA News | ENOVA INTERNATIONAL INC (NYSE:EN…

Google News hu, 03 Sep 2026

2 Reasons to Sell ENVA and 1 Stock to Buy Instead - Yahoo Finance

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Google News hu, 03 Sep 2026

Enova’s Earnings Surge Meets a Valuation Test - marketbeat.com

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Google News hu, 02 Jul 2026

Enova International Stock On Fire: Up 28% With 11-Day Winning Streak - Trefis

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Google News hu, 27 Aug 2026

Enova (NYSE: ENVA) chair sells option shares in 10b5-1 plan - Stock Titan

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Google News ue, 09 Jun 2026

Enova International Stock: Structurally Undervalued (NYSE:ENVA) - Seeking Alpha

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ENVA — Frequently Asked Questions

What is the current share price of Enova International, Inc. (ENVA)?

As of 2026-09-07 16:24 PDT, Enova International, Inc. (ENVA) trades at $230.58 on NYSE. Its 52-week range is $104.01 to $265.45.

What is the market capitalisation of ENVA?

Enova International, Inc. (ENVA) has a market capitalisation of $5.74B on NYSE.

What is the P/E ratio of ENVA?

ENVA trades at a trailing price-to-earnings (P/E) ratio of 17.13. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 4.20.

What is the return on equity (ROE) of ENVA?

ENVA has a return on equity (ROE) of 26.08%. Its return on capital employed (ROCE) is 11.55%.

Is ENVA a good stock to buy?

This page provides a data-driven analysis of Enova International, Inc. (ENVA), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

Explore More

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Enova International, Inc. ENVA R2KR3KFINANCIAL

Company Overview

Why Investors Should Care

Recent Developments

Growth & Price Performance

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Price Chart

Technical Trend

Fundamental Growth Charts

PROS

CONS

Valuation

Growth (CAGR)

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

ENVA News | ENOVA INTERNATIONAL INC (NYSE:ENVA) - ChartMill

2 Reasons to Sell ENVA and 1 Stock to Buy Instead - Yahoo Finance

Enova’s Earnings Surge Meets a Valuation Test - marketbeat.com

Enova International Stock On Fire: Up 28% With 11-Day Winning Streak - Trefis

Enova (NYSE: ENVA) chair sells option shares in 10b5-1 plan - Stock Titan

Enova International Stock: Structurally Undervalued (NYSE:ENVA) - Seeking Alpha

ENVA — Frequently Asked Questions

What is the current share price of Enova International, Inc. (ENVA)?

What is the market capitalisation of ENVA?

What is the P/E ratio of ENVA?

What is the return on equity (ROE) of ENVA?

Is ENVA a good stock to buy?

Explore More