ENVA
Enova International, Inc.
$182.59
-1.53
(-0.83%)
Mkt Cap
4.55B
Volume
376,727
52W Range
103.02-267.45
Sector
Financial Services
Beta
1.28
EPS (TTM)
14.29 USD
P/E Ratio
12.78
Revenue (TTM)
3.01B USD
Rev Growth (5Y)
+23.8%
EPS Growth (5Y)
+0.7%
AlphaVal · Fair Value
What we estimate one share is worth
$164.91
Overvalued
weak signal
10.7% above fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality does not grade financial companies — their quality is dominated by balance-sheet and capital-structure factors outside the scope of this model.
Company Description
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.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.15B | 2.66B | 2.12B | 1.74B | 1.21B | 1.08B | 1.17B | 972.62M | 728.90M | 745.57M | 652.60M | 809.84M |
| Net Income | 308.39M | 209.45M | 175.12M | 207.42M | 256.30M | 377.84M | 36.61M | 70.10M | 29.24M | 34.60M | 43.99M | 111.67M |
| EPS | 12.26 | 7.78 | 5.71 | 6.42 | 7.05 | 11.85 | 3.80 | 2.06 | 0.87 | 1.04 | 1.33 | 3.38 |
| Free Cash Flow | 1.77B | 1.50B | 1.12B | 850.37M | 442.19M | 711.38M | 855.55M | 668.76M | 430.64M | 378.98M | 251.68M | 408.78M |
| FCF / Share | 71.57 | 55.54 | 36.57 | 26.34 | 12.16 | 22.30 | 25.38 | 19.67 | 12.85 | 11.42 | 7.63 | 12.39 |
| Operating CF | 1.82B | 1.54B | 1.17B | 894.00M | 471.87M | 740.87M | 875.62M | 684.84M | 447.17M | 393.37M | 283.92M | 422.07M |
| Total Assets | 6.47B | 5.27B | 4.59B | 3.78B | 2.76B | 2.11B | 1.57B | 1.33B | 1.16B | 977.88M | 840.54M | 760.20M |
| Total Debt | 4.56B | 3.60B | 2.99B | 2.29B | 1.43B | 1.01B | 1.03B | 860.10M | 791.54M | 652.91M | 544.91M | 495.76M |
| Cash & Equiv | 71.71M | 73.91M | 377.44M | 100.17M | 165.48M | 297.27M | 35.90M | 28.11M | 68.68M | 39.93M | 42.07M | 75.11M |
| Book Value | 1.34B | 1.20B | 1.24B | 1.19B | 1.09B | 917.35M | 376.61M | 347.77M | 281.69M | 241.70M | 205.97M | 153.98M |
| Return on Equity | 0.23 | 0.17 | 0.14 | 0.17 | 0.23 | 0.41 | 0.10 | 0.20 | 0.10 | 0.14 | 0.21 | 0.73 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 493.69M | 875.14M | 839.39M | 802.68M | 764.04M | 745.54M | 729.55M | 689.92M | 628.44M | 609.89M | 583.59M | 551.36M |
| Net Income | 105.06M | 91.10M | 78.98M | 80.31M | 76.15M | 72.94M | 63.70M | 43.41M | 53.91M | 48.43M | 34.77M | 41.28M |
| EPS | 4.22 | 3.66 | 3.19 | 3.22 | 3.01 | 2.84 | 2.44 | 1.64 | 2.00 | 1.72 | 1.17 | 1.35 |
| Free Cash Flow | 531.42M | 463.79M | 487.12M | 470.46M | 436.14M | 378.27M | 420.34M | 387.62M | 349.86M | 337.34M | 302.48M | 258.46M |
| FCF / Share | 21.36 | 18.65 | 19.68 | 18.85 | 17.11 | 14.73 | 16.08 | 14.67 | 12.99 | 11.96 | 10.19 | 8.45 |
| Operating CF | 544.03M | 474.54M | 498.81M | 481.80M | 447.36M | 391.14M | 430.52M | 398.55M | 360.94M | 348.56M | 314.29M | 271.24M |
| Total Assets | 7.22B | 6.88B | 6.47B | 5.96B | 5.72B | 5.46B | 5.27B | 4.98B | 4.82B | 4.64B | 4.59B | 4.10B |
| Total Debt | 5.05B | 4.86B | 4.56B | 4.14B | 4.00B | 3.79B | 3.60B | 3.32B | 3.22B | 3.07B | 2.99B | 2.47B |
| Cash & Equiv | 122.23M | 96.13M | 71.71M | 53.60M | 55.56M | 55.51M | 73.91M | 67.50M | 60.14M | 76.46M | 377.44M | 62.91M |
| Book Value | 1.50B | 1.40B | 1.34B | 1.28B | 1.23B | 1.20B | 1.20B | 1.18B | 1.15B | 1.15B | 1.24B | 1.26B |
| Return on Equity | 0.07 | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.04 | 0.03 | 0.03 |
ENVA News
Enova Announces Date of Third Quarter 2026 Financial Results Conference Call
OnDeck Combines Machine Learning With AI-Enabled Verification to Automate Approval Process
Enova International, Inc. Investigation Continues: Investors May Contact Kirby McInerney LLP, a Securities Fraud Law Firm, If You Lost Money On Your ENVA Investments
Wolf Popper LLP Announces Investigation on Behalf of Enova International, Inc. Investors
Bragar Eagel & Squire, P.C. is Investigating Enova International, Inc. on Behalf of Enova Stockholders and Encourages Investors to Contact the Firm
ENOVA INTERNATIONAL, INC. ENVA INVESTORS: Contact Kirby McInerney LLP About the Firm's Securities Investigation Following 23.4% Share Drop
Enova International (ENVA) Securities Investigation Notice - Levi & Korsinsky
Enova International (ENVA) Securities Investigation Notice - Levi & Korsinsky
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law
ENVA Investors Have Opportunity to Join Enova International, Inc. Fraud Investigation with SBS Law