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Enova International, Inc. ENVA R2K

Financial Services · Credit Services · United States
https://www.enova.com
Company Profile ↓
$235.66
+103.63% 1Y
Mkt Cap$5.86B
P/E19.17
P/B4.10
52W High$242.18
52W Low$100.56
Book Value$56.25
EPS (TTM)$12.29

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 25.1%, 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.

Healthy Margins

Maintains a net profit margin of 20.7%.

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 +25.8%, earnings +28.6%.
  • 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:25.80%

Compounded Profit Growth

5 Years:12.13%
1 Year:28.60%

Stock Price Performance

1 Year:+103.63%
6 Months:+48.93%
3 Months:+53.19%
1 Month:+24.47%

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

Technical Snapshot Bullish
52-Week Range 95% of range
$100.56 $242.18
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)66.34 · Neutral
Price Performance
1M+24.47%
3M+53.19%
6M+48.93%
1Y+103.63%
Valuation vs Sector

P/E of 19.17 is above the sector median of 13.52 — pricier than peers.

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

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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 25.1%.
  • Excellent profit margin of 20.7%.
  • 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.

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Valuation

Stock P/E
19.17
Industry PE
13.52
Forward P/E
12.04
PEG Ratio
-
Book Value
$56.25
Price to Book
4.10
P/S
3.63
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
12.77%
Profit 5Y
12.13%
Revenue (YoY)
25.80%
Earnings (YoY)
28.60%

Profitability & Returns

ROCE
11.55%
ROE
25.13%
ROA
5.30%
Profit Margin
20.66%
Op Margin
26.60%
Gross Margin
82.82%
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
$6.88B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.53%
Chg in Prom Hold
-
FII / Inst Holding
97.16%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$5.86B
Total Revenue (TTM)
$1.58B
EBITDA
-
Free Cash Flow
$442.19M
Operating Cash Flow
$1.90B
Shares Outstanding
24.88M
Gross Margin
82.82%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ENVA Enova International, Inc. R2K 235.66 19.17 $5.86B 0.00% 11.55% 25.13% 12.77% 12.13%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 194.72M165.68M146.28M165.23M175.42M174.65M172.53M195.94M202.44M192.26M189.90M217.88M243.70M219.31M219.29M257.31M276.71M264.44M259.44M305.61M345.26M362.25M253.06M204.54M259.44M264.72M320.16M385.73M407.99M456.20M483.26M499.43M551.36M609.89M628.44M689.92M745.54M764.04M802.68M875.14M
Gross Profit 134.13M127.11M104.74M99.61M104.28M105.08M107.08M100.55M104.89M110.38M110.04M110.54M116.15M126.52M112.93M110.51M119.26M145.58M136.01M143.43M146.84M126.53M132.39M181.77M238.37M259.13M246.38M268.69M264.57M294.19M285.89M299.38M319.61M345.87M370.19M400.36M426.18M441.46M460.71M528.96M
Operating Income -54.09M30.36M18.95M-31.85M28.81M28.10M-38.07M35.20M27.68M-61.71M43.09M37.80M-72.95M58.17M57.50M-29.09M86.56M122.01M123.45M122.71M86.22M90.75M89.48M98.51M109.27M111.60M103.73M130.79M145.06M153.71M171.90M184.11M196.78M207.11M
Net Income -24.53M10.86M4.42M4.18M9.86M8.19M7.84M8.71M13.85M11.87M-3.37M6.88M27.90M18.23M15.30M8.67M35.02M25.06M27.09M-50.55M5.46M48.03M93.67M75.92M80.18M51.55M52.44M52.40M51.71M50.92M48.15M41.28M48.43M53.91M43.41M72.94M76.15M80.31M91.10M
Diluted EPS 0.680.740.330.130.130.300.250.230.260.410.35-0.100.200.810.520.430.251.020.730.78-1.480.171.583.092.032.101.361.501.561.571.561.501.291.641.931.572.692.863.033.46

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 660.93M765.32M809.84M652.60M745.57M728.90M972.62M1.17B1.08B1.21B1.74B2.12B2.66B3.15B
Gross Profit 372.45M450.27M543.05M435.74M417.60M375.42M469.22M571.86M684.19M1.02B1.12B1.23B1.53B1.83B
Operating Income 114.18M142.60M215.01M124.39M121.48M116.19M175.55M248.21M357.80M413.06M383.99M422.13M584.76M739.43M
Net Income -78.04M111.67M43.99M34.60M29.24M70.10M36.61M377.84M256.30M207.42M175.12M209.45M308.39M
Diluted EPS 1.782.363.381.331.030.861.991.0611.706.796.195.497.4311.52

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --692.15M760.20M840.54M977.88M1.16B1.33B1.57B2.11B2.76B3.78B4.59B5.27B6.47B
Total Equity 41.85M97.42M173.05M153.98M205.97M241.70M281.69M347.77M376.61M917.35M1.09B1.19B1.24B1.20B1.34B
Cash & Equivalents 34.41M37.55M47.48M75.11M42.07M39.93M49.77M28.11M35.90M297.27M165.48M100.17M54.36M73.91M71.71M
Long Term Debt --424.13M494.18M541.91M649.91M788.54M857.93M991.18M946.46M1.38B2.26B2.94B3.56B4.50B
Total Liabilities --519.10M606.21M634.57M736.18M877.77M986.58M1.20B1.19B1.67B2.59B3.35B4.07B5.13B
Current Liabilities --49.61M64.08M-----------

Cash Flows (Annual)

Figures in USD.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow ----393.37M447.17M684.84M848.64M740.87M471.87M894.00M1.17B1.54B1.82B
Investing Cash Flow -----464.45M-524.57M-720.93M-941.40M83.58M-980.37M-1.67B-1.49B-1.91B-2.45B
Financing Cash Flow ----99.88M104.58M22.48M95.48M-535.97M365.15M724.87M526.54M318.88M711.82M
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 ----378.98M431.95M670.18M828.58M711.38M442.19M----
Share Buybacks ---187.00K437.00K5.08M17.31M33.78M56.41M116.66M143.07M153.19M289.29M214.59M
Dividends Paid --122.38M-----------

Ratios (Annual)

Figures in %.

Metric Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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
97.16%
Public Float
-

Analyst View

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Latest News

Recent headlines for ENVA

Google News Wed, 15 Jul 2026

Enova International (NYSE: ENVA) names Maria Veltre to key board committee - Stock Titan

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Google News hu, 09 Jul 2026

Enova International (ENVA) Upgraded to Buy: Here's What You Should Know - Yahoo Finance

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Google News Sun, 28 Jun 2026

Enova International Stock Rockets 22% With 8-Day Winning Streak - Trefis

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Google News ue, 09 Jun 2026

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

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Google News hu, 09 Jul 2026

Is Enova International Inc (ENVA) Overvalued After 5.1% Rally? G - GuruFocus

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Google News ue, 14 Jul 2026

Enova International (ENVA) director Maria Veltre files Form 3 showing zero share ownership - Stock Titan

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ENVA — Frequently Asked Questions

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

As of 2026-07-15 16:51 PDT, Enova International, Inc. (ENVA) trades at $235.66 on NYSE. Its 52-week range is $100.56 to $242.18.

What is the market capitalisation of ENVA?

Enova International, Inc. (ENVA) has a market capitalisation of $5.86B on NYSE.

What is the P/E ratio of ENVA?

ENVA trades at a trailing price-to-earnings (P/E) ratio of 19.17. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 4.10.

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

ENVA has a return on equity (ROE) of 25.13%. 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.

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