ENVA
Enova International, Inc.
$157.51
-3.40
(-2.11%)
Mkt Cap
3.92B
Volume
163,965
52W Range
90.87-176.68
Sector
Financial Services
Beta
1.33
EPS (TTM)
13.08
P/E Ratio
12.04
Revenue (TTM)
3.28B
Rev Growth (5Y)
+23.8%
EPS Growth (5Y)
+0.7%
AlphaVal · Fair Value
$171.83
Fair Value · Mild
8.3% below fair value
AlphaQuality · Grade
A-
Banks, Insurers & Asset Managers
81.4 / 100 composite
Company Description
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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 markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 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 | N/A | N/A |
| FCF / Share | 71.57 | 55.54 | 36.57 | 26.34 | 12.16 | 22.30 | 25.38 | 19.67 | 12.85 | 11.42 | N/A | N/A |
| Operating CF | 1.82B | 1.54B | 1.17B | 894.00M | 471.87M | 740.87M | 875.62M | 684.84M | 447.17M | 393.37M | N/A | N/A |
| Total Assets | 6.47B | 5.27B | 4.59B | 3.78B | 2.76B | 2.11B | 1.57B | 1.33B | 1.16B | 977.88M | N/A | N/A |
| Total Debt | 4.56B | 3.60B | 2.99B | 2.29B | 1.43B | 1.01B | 1.03B | 860.10M | 791.54M | 652.91M | N/A | N/A |
| Cash & Equiv | 71.71M | 73.91M | 377.44M | 100.17M | 165.48M | 297.27M | 35.90M | 28.11M | 68.68M | 39.93M | N/A | N/A |
| Book Value | 1.34B | 1.20B | 1.24B | 1.19B | 1.09B | 917.35M | 376.61M | 347.77M | 281.69M | 241.70M | N/A | N/A |
| Return on Equity | 0.23 | 0.17 | 0.14 | 0.17 | 0.23 | 0.41 | 0.10 | 0.20 | 0.10 | 0.14 | N/A | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 875.14M | 839.39M | 802.68M | 764.04M | 745.54M | 729.55M | 689.92M | 628.44M | 609.89M | 583.59M | 551.36M | 499.43M |
| Net Income | 91.10M | 78.98M | 80.31M | 76.15M | 72.94M | 63.70M | 43.41M | 53.91M | 48.43M | 34.77M | 41.28M | 48.15M |
| EPS | 3.66 | 3.19 | 3.22 | 3.01 | 2.84 | 2.44 | 1.64 | 2.00 | 1.72 | 1.17 | 1.35 | 1.55 |
| Free Cash Flow | 463.79M | 487.12M | 470.46M | 436.14M | 378.27M | 420.34M | 387.62M | 349.86M | 337.34M | 302.48M | 258.46M | 289.05M |
| FCF / Share | 18.65 | 19.68 | 18.85 | 17.11 | 14.73 | 16.08 | 14.67 | 12.99 | 11.96 | 10.19 | 8.45 | 9.30 |
| Operating CF | 474.54M | 498.81M | 481.80M | 447.36M | 391.14M | 430.52M | 398.55M | 360.94M | 348.56M | 314.29M | 271.24M | 299.32M |
| Total Assets | 6.88B | 6.47B | 5.96B | 5.72B | 5.46B | 5.27B | 4.98B | 4.82B | 4.64B | 4.59B | 4.10B | 3.91B |
| Total Debt | 4.86B | 4.56B | 4.14B | 4.00B | 3.79B | 3.60B | 3.32B | 3.22B | 3.07B | 2.99B | 2.47B | 2.33B |
| Cash & Equiv | 96.13M | 71.71M | 53.60M | 55.56M | 55.51M | 73.91M | 67.50M | 60.14M | 76.46M | 377.44M | 62.91M | 100.04M |
| Book Value | 1.40B | 1.34B | 1.28B | 1.23B | 1.20B | 1.20B | 1.18B | 1.15B | 1.15B | 1.24B | 1.26B | 1.25B |
| Return on Equity | 0.06 | 0.06 | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 |
ENVA News
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