Enova International, Inc. ENVA R2K

Financial Services · Credit Services · United States

https://www.enova.com

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.

Market & Price

Market Cap

$4.02B

Current Price

$161.51

High / Low (52W)

$174.90 / $92.67

Beta

1.33

Valuation

Stock P/E

13.14

Industry PE

12.01

Forward P/E

8.27

PEG Ratio

Book Value

$56.25

Price to Book

2.87

P/S

2.54

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

6.70%

ROE

25.13%

ROA

5.30%

Profit Margin

20.66%

Op Margin

26.60%

EPS (Latest Qtr)

$3.46

EPS (TTM)

$12.29

Balance Sheet & Liquidity

Debt/Equity

3.47

Quick Ratio

21.56

Current Ratio

22.71

Debt

$4.86B

Total Assets

$6.47B

Current Assets

$6.00B

Working Capital

$5.61B

Ownership

Promoter Holding

4.61%

Chg in Prom Hold

FII / Inst Holding

96.76%

Chg in FII Hold

-0.01%

Financial Snapshot

Enterprise Value

$8.77B

Total Revenue (TTM)

$1.58B

EBITDA

Free Cash Flow

Operating Cash Flow

$1.90B

Shares Outstanding

24.88M

Gross Margin

82.82%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

21.99%

Profit 5Y

14.13%

Revenue (YoY)

25.80%

Earnings (YoY)

28.60%

PROS

Strong return on equity of 25.1%.
Excellent profit margin of 20.7%.
Compounding revenue at 22.0% over 5 years.
Profit CAGR of 14.1% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	161.51	13.14	$4.02B	-	6.70%	25.13%	21.99%	14.13%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	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	-	-	745.54M	764.04M	802.68M	839.39M	875.14M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	399.90M	405.37M	428.93M	426.52M	440.23M
Gross Profit	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	-	-	345.64M	358.68M	373.75M	412.87M	434.91M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	254.28M	257.35M	263.93M	308.65M	321.85M
Operating Income	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	-	-	91.36M	101.33M	109.82M	104.22M	113.06M
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	101.42M	111.67M	122.18M	113.29M	121.97M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	91.03M	101.05M	110.17M	98.78M	112.86M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.08M	24.90M	29.86M	19.80M	21.77M
Net Income	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	-	-	72.94M	76.15M	80.31M	78.98M	91.10M
Diluted EPS	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	-	-	2.69	2.86	3.03	3.00	3.46

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	-	1.74B	2.12B	2.66B	3.15B
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	734.41M	1.08B	1.42B	1.66B
Gross Profit	372.45M	450.27M	543.05M	435.74M	417.60M	375.42M	469.22M	571.86M	684.19M	-	1.00B	1.04B	1.24B	1.49B
Operating Expenses	-	-	-	-	-	-	-	-	-	-	733.57M	807.79M	944.69M	1.08B
Operating Income	114.18M	142.60M	215.01M	124.39M	121.48M	116.19M	175.55M	248.21M	357.80M	-	268.11M	227.36M	294.32M	406.73M
EBITDA	-	-	-	-	-	-	-	-	-	-	304.97M	265.51M	334.52M	448.56M
Interest Expense	-	-	-	-	-	-	-	-	-	76.51M	115.89M	-	-	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	272.57M	227.25M	271.10M	401.03M
Tax Provision	-	-	-	-	-	-	-	-	-	-	65.15M	52.13M	61.65M	92.64M
Net Income	-	78.04M	111.67M	43.99M	34.60M	29.24M	70.10M	36.61M	377.84M	-	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	-	6.19	5.49	7.43	11.52

Compounded Sales Growth

5 Years:	21.99%
1 Year:	25.80%

Compounded Profit Growth

5 Years:	14.13%
1 Year:	28.60%

Stock Price Performance

1 Year:	+74.29%
6 Months:	+23.88%
3 Months:	+16.15%
1 Month:	-4.19%

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	-	3.78B	4.59B	5.27B	6.47B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	3.31B	4.12B	4.81B	6.00B
Cash & Equivalents	34.41M	37.55M	47.48M	75.11M	42.07M	39.93M	49.77M	28.11M	35.90M	297.27M	-	100.17M	54.36M	73.91M	71.71M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	1.96B	-	-	-	-
Total Liabilities	-	-	519.10M	606.21M	634.57M	736.18M	877.77M	986.58M	1.20B	1.19B	-	2.59B	3.35B	4.07B	5.13B
Current Liabilities	-	-	49.61M	64.08M	-	-	-	-	-	-	-	198.32M	261.16M	249.97M	395.85M
Long Term Debt	-	-	424.13M	494.18M	-	-	-	-	-	-	-	2.26B	2.94B	3.56B	4.41B
Total Debt	-	-	-	-	-	-	-	-	-	-	-	2.29B	2.97B	3.60B	4.53B
Total Equity	41.85M	97.42M	173.05M	153.98M	205.97M	241.70M	281.69M	347.77M	376.61M	917.35M	-	1.19B	1.24B	1.20B	1.34B
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	44.33M	45.34M	46.52M	47.44M

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	-	894.00M	1.17B	1.54B	1.82B
Investing Cash Flow	-	-	-	-	-464.45M	-524.57M	-720.93M	-941.40M	83.58M	-	-1.67B	-1.49B	-1.91B	-2.45B
Financing Cash Flow	-	-	-	-	99.88M	104.58M	22.48M	95.48M	-535.97M	-	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	-	-43.63M	-45.24M	-43.42M	-47.14M
Free Cash Flow	-	-	-	-	378.98M	431.95M	670.18M	828.58M	711.38M	-	850.37M	1.12B	1.50B	1.77B
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-47.41M	198.75M	-53.74M	85.16M
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%	-	57.7%	48.9%	46.6%	47.3%
Operating Margin %	17.3%	18.6%	26.5%	19.1%	16.3%	15.9%	18.0%	21.1%	33.0%	-	15.4%	10.7%	11.1%	12.9%
Net Margin %	-	10.2%	13.8%	6.7%	4.6%	4.0%	7.2%	3.1%	34.9%	-	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%	-	17.5%	14.1%	17.5%	23.1%
ROCE %	-	22.2%	30.9%	-	-	-	-	-	-	-	7.5%	5.3%	5.9%	6.7%

Shareholding Pattern

Insiders

4.61%

Institutions

96.76%

Public Float

101.43%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	16.32%	4.06M	$655.79M
2	Vanguard Capital Management LLC	4.28%	1.07M	$172.03M
3	Dimensional Fund Advisors LP	4.25%	1.06M	$170.67M
4	State Street Corporation	3.88%	965.00K	$155.86M
5	Invesco Ltd.	3.57%	888.19K	$143.45M
6	Vanguard Portfolio Management LLC	3.48%	866.45K	$139.94M
7	Renaissance Technologies, LLC	3.01%	750.09K	$121.15M
8	Geode Capital Management, LLC	2.69%	668.62K	$107.99M
9	FMR, LLC	2.43%	603.55K	$97.48M
10	Franklin Resources, Inc.	2.28%	567.83K	$91.71M

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