ENVA - Enova International, Inc.
NEXT EARNINGS:
May 5, 2026
EPS Est: $3.66
Price:
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$193.00
DETAILS
HIGH:
$199.00
LOW:
$189.00
MEDIAN:
$191.00
CONSENSUS:
$193.00
UPSIDE:
39.86%
Market Cap:
3.41B
Volume:
206,656
Avg Volume:
313,341
52 Week Range:
79.407-176.68
Sector:
Financial Services
Industry:
Financial - Credit Services
Beta:
1.21
Last Dividend:
$N/A
Exchange:
NYSE
Country:
US
Employees:
1,787
IPO Date:
2014-11-13
EPS (TTM):
12.26
P/E Ratio:
12.62
Revenue (TTM):
3.15B
Total Assets:
6.47B
Total Debt:
4.56B
Cash & Equiv:
71.71M
Rev Growth (5Y):
23.8%
EPS Growth (5Y):
0.7%
FCF Growth (5Y):
20.0%
ROCE:
7.9%
Debt/Equity:
3.41
Earnings History
| Date | EPS Actual | EPS Est | EPS Surprise | Rev Actual | Rev Est | Rev Surprise |
|---|---|---|---|---|---|---|
| 2026-01-27 | $3.46 | $3.17 | +9.1% | $839.4M | $838.6M | 0.0% |
| 2025-10-23 | $3.36 | $3.03 | +10.9% | $802.7M | $806.6M | -0.5% |
| 2025-07-24 | $3.23 | $2.97 | +8.8% | $764.0M | $791.1M | -3.4% |
| 2025-04-29 | $2.98 | $2.77 | +7.6% | $745.5M | $734.1M | +1.6% |
| 2025-02-04 | $2.61 | $2.33 | +12.0% | $729.6M | $730.0M | 0.0% |
| 2024-10-22 | $2.45 | $2.30 | +6.5% | $689.9M | $731.0M | -5.6% |
| 2024-07-23 | $2.21 | $2.07 | +6.8% | $628.4M | $622.9M | +0.9% |
| 2024-04-23 | $1.91 | $1.72 | +11.0% | $609.9M | $584.4M | +4.4% |
| 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 |
| 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 & Equivalents | 71.71M | 73.91M | 377.44M | 100.17M | 165.48M | 297.27M | 35.90M | 28.11M | 68.68M | 39.93M | 42.07M | 75.11M |
| Operating Cash Flow | 1.82B | 1.54B | 1.17B | 894.00M | 471.87M | 740.87M | 875.62M | 684.84M | 447.17M | 393.37M | 283.92M | 422.07M |
| 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 per 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 |
| 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 |
| Cash & ST Investments | 71.71M | 73.91M | 377.44M | 100.17M | 165.48M | 297.27M | 35.90M | 28.11M | 68.68M | 39.93M | 42.07M | 75.11M |
| ROC 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 |