ENVA - Enova International, Inc.
Price:
--
--
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CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$199.50
DETAILS
HIGH:
$210.00
LOW:
$189.00
MEDIAN:
$199.50
CONSENSUS:
$199.50
UPSIDE:
26.66%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||
| Revenue | 3,151.7 | 2,657.8 | 2,117.6 | 1,736.1 | 1,207.9 | 1,083.7 | 1,174.8 | 972.6 | 728.9 | 745.6 | 652.6 | 809.8 | 765.3 | 660.9 | 480.3 | 378.5 | 255.0 |
| Cost of Revenue | 1,571.7 | 1,418.8 | 1,082.5 | 734.4 | 260.2 | 486.2 | 678.5 | 582.8 | 427.5 | 393.6 | 269.7 | 305.3 | 334.8 | 309.5 | 219.1 | 180.5 | 121.0 |
| Gross Profit | 1,580.0 | 1,239.0 | 1,035.1 | 1,001.7 | 947.8 | 597.5 | 496.3 | 389.9 | 301.4 | 352 | 382.9 | 504.6 | 430.5 | 351.5 | 261.2 | 198.0 | 134.0 |
| Operating Expenses | |||||||||||||||||
| R&D Expenses | 67.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 790.8 | 680.1 | 574.7 | 523.0 | 428.1 | 210.4 | 224.3 | 201.1 | 176.3 | 195.4 | 219.0 | 235.7 | 219.8 | 181.5 | 138.7 | 150.4 | 98.8 |
| Other Expenses | (17.8) | (25.8) | 38.3 | 94.6 | 106.6 | 29.3 | 23.7 | 13.2 | 8.9 | 35.2 | 39.5 | 53.8 | 68.1 | 55.8 | 46.2 | 8.6 | 7.3 |
| Operating Expenses | 840.5 | 654.2 | 613.0 | 617.7 | 534.7 | 239.7 | 248.0 | 214.3 | 185.2 | 230.5 | 258.5 | 289.6 | 287.9 | 237.3 | 184.9 | 159.0 | 106.0 |
| Operating Income | |||||||||||||||||
| Operating Income | 739.4 | 584.8 | 422.1 | 384.0 | 413.1 | 357.8 | 248.2 | 175.5 | 116.2 | 121.5 | 124.4 | 215.0 | 142.6 | 114.2 | 76.3 | 39.0 | 27.9 |
| Interest Expense | 169.6 | 0 | 194.8 | 115.9 | 76.5 | 86.7 | 75.6 | 79.4 | 74.0 | 65.6 | 52.9 | 38.5 | 19.8 | 21.0 | 219.1 | 180.5 | 121.0 |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 480.3 | 378.6 | 255.0 |
| Profitability | |||||||||||||||||
| EBITDA | 529.8 | 334.5 | 265.5 | 305.0 | 371.9 | 290.8 | 187.7 | 110.4 | 55.5 | 71.4 | 89.9 | 195.3 | 140.0 | 106.5 | 70.1 | 228.0 | 156.2 |
| EBIT | 488.0 | 294.3 | 227.4 | 268.1 | 336.6 | 271.1 | 172.6 | 96.2 | 42.2 | 55.9 | 71.5 | 176.5 | 122.8 | 93.2 | 58.9 | 219.5 | 148.9 |
| Income Before Tax | 401.0 | 271.1 | 227.2 | 272.6 | 337.2 | 435.4 | 170.1 | 68.9 | 19.7 | 57.4 | 70.5 | 176.5 | 121.6 | 92.8 | 58.4 | 39.0 | 27.9 |
| Income Tax Expense | 92.6 | 61.7 | 52.1 | 65.2 | 80.1 | 57.2 | 42.1 | 5.3 | 2.1 | 22.8 | 26.5 | 64.8 | 43.6 | 34.0 | 21.4 | 14.2 | 10.2 |
| Net Income | 308.4 | 209.4 | 175.1 | 207.4 | 256.3 | 377.8 | 36.6 | 70.1 | 29.2 | 34.6 | 44.0 | 111.7 | 78.0 | 58.9 | 37.0 | 24.8 | 17.7 |
| Per Share Data | |||||||||||||||||
| EPS (Basic) | 12.26 | 7.78 | 5.71 | 6.42 | 7.05 | 11.85 | 3.80 | 2.06 | 0.87 | 1.04 | 1.33 | 3.38 | 2.36 | 1.78 | 1.12 | 0.75 | 0.54 |
| EPS (Diluted) | 11.58 | 7.43 | 5.49 | 6.19 | 6.79 | 11.70 | 3.72 | 1.99 | 0.86 | 1.03 | 1.33 | 3.38 | 2.36 | 1.78 | 1.12 | 0.75 | 0.54 |
| Shares Outstanding | 24.8 | 26.9 | 30.7 | 32.3 | 36.4 | 31.9 | 33.7 | 34.0 | 33.5 | 33.2 | 33.0 | 33 | 33 | 33 | 33 | 33 | 33 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||
| Cash & Cash Equivalents | 71.7 | 73.9 | 377.4 | 100.2 | 165.5 | 297.3 | 35.9 | 28.1 | 68.7 | 39.9 | 27.3 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 5,512.4 | 63.8 | 3,673.3 | 3,128.5 | 2,068.1 | 1,281.8 | 1,127.2 | 838.6 | 732.6 | 581.1 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | (5,512.4) | 4,675.9 | 72.0 | 78.2 | 60.4 | 71.9 | 45.1 | 139.2 | 29.5 | 26.3 | 0 |
| Total Current Assets | 71.7 | 4,813.6 | 4,122.7 | 3,306.9 | 2,294.0 | 1,651.0 | 1,208.1 | 1,005.8 | 830.8 | 647.3 | 37.9 |
| Non-Current Assets | |||||||||||
| Property, Plant & Equipment | 181.2 | 138.2 | 123.0 | 112.6 | 101.5 | 119.5 | 74.1 | 46.1 | 48.5 | 47.1 | 26.4 |
| Goodwill | 279.3 | 279.3 | 279.3 | 279.3 | 279.3 | 268.0 | 267.0 | 267.0 | 267.0 | 267.0 | 236.9 |
| Intangible Assets | 3.7 | 11.0 | 19.0 | 27.4 | 35.4 | 26.0 | 2.2 | 3.3 | 4.3 | 5.4 | 2.1 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 60.8 |
| Other Non-Current Assets | 0 | 24.2 | 41.6 | 54.7 | 51.3 | 43.5 | 22.9 | 12.2 | 8.8 | 11.1 | 0.4 |
| Total Non-Current Assets | 464.1 | 452.6 | 462.8 | 474.0 | 467.5 | 457.1 | 366.2 | 328.5 | 328.7 | 330.6 | 337.8 |
| Total Assets | 6,468.4 | 5,266.1 | 4,585.5 | 3,780.9 | 2,761.5 | 2,108.1 | 1,574.4 | 1,334.4 | 1,159.5 | 977.9 | 375.7 |
| Current Liabilities | |||||||||||
| Account Payables | 0 | 59.0 | 43.3 | 30.8 | 37.2 | 26.7 | 23.8 | 26.3 | 25.6 | 25.4 | 0 |
| Short-Term Debt | 0 | 233.3 | 22.3 | 0 | 0 | 29.7 | 1.5 | 2.2 | 3 | 3 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 2.2 | 11.3 | 5.6 | 7.1 | 6.9 | 0 |
| Other Current Liabilities | 305.8 | 82.5 | 195.5 | 87.7 | 44.1 | 39.0 | 43.3 | 12.7 | 8.0 | 8.9 | 0 |
| Total Current Liabilities | 305.8 | 483.3 | 261.2 | 198.3 | 156.1 | 156.4 | 122.2 | 89.3 | 77.1 | 72.0 | 40.2 |
| Non-Current Liabilities | |||||||||||
| Long-Term Debt | 4,530.4 | 3,330.1 | 2,943.8 | 2,258.7 | 1,384.4 | 916.7 | 991.2 | 857.9 | 788.5 | 649.9 | 255.8 |
| Deferred Tax Liabilities | 295.4 | 223.6 | 113.3 | 104.2 | 86.9 | 48.1 | 48.7 | 39.3 | 12.1 | 14.3 | 15.8 |
| Other Non-Current Liabilities | (4,857.9) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.5 |
| Total Non-Current Liabilities | 0 | 3,585.9 | 3,084.2 | 2,396.4 | 1,512.3 | 1,032.8 | 1,075.6 | 897.3 | 800.6 | 664.2 | 280.2 |
| Total Liabilities | 5,131.7 | 4,069.2 | 3,345.4 | 2,594.7 | 1,668.4 | 1,189.2 | 1,197.7 | 986.6 | 877.8 | 736.2 | 320.4 |
| Stockholders' Equity | |||||||||||
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 2,006.1 | 1,697.8 | 1,488.3 | 1,313.2 | 1,105.8 | 849.5 | 372.7 | 336.4 | 264.7 | 235.5 | 54.8 |
| Accumulated Other Comprehensive Income | (9.5) | (13.7) | (6.3) | (6.0) | (8.5) | (6.9) | (3.1) | (13.8) | (7.1) | (11.6) | 0.2 |
| Total Stockholders' Equity | 1,336.7 | 1,196.9 | 1,240.2 | 1,186.1 | 1,093.1 | 917.3 | 376.6 | 347.8 | 281.7 | 241.7 | 55.4 |
| Total Liabilities & Equity | 6,468.4 | 5,266.1 | 4,585.5 | 3,780.9 | 2,761.5 | 2,108.1 | 1,574.4 | 1,334.4 | 1,159.5 | 977.9 | 375.7 |
| Debt Metrics | |||||||||||
| Total Debt | 4,562.5 | 3,595.6 | 2,989.0 | 2,292.3 | 1,425.4 | 1,014.4 | 1,028.4 | 860.1 | 791.5 | 652.9 | 255.8 |
| Net Debt | 4,490.8 | 3,521.7 | 2,611.6 | 2,192.1 | 1,259.9 | 717.1 | 992.5 | 832.0 | 722.9 | 613.0 | 228.5 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 308.4 | 209.4 | 175.1 | 207.4 | 257.1 | 377.9 | 36.6 | 70.1 | 29.2 | 34.6 |
| Depreciation & Amortization | 41.8 | 40.2 | 38.2 | 36.9 | 35.4 | 19.7 | 21.1 | 15.2 | 14.4 | 15.6 |
| Stock-Based Compensation | 0 | 31.8 | 26.7 | 21.9 | 21.2 | 18.0 | 12.0 | 11.7 | 11.3 | 8.5 |
| Change in Working Capital | 34.2 | (14.0) | 28.6 | (8.6) | (58.8) | 74.9 | (49.4) | (36.3) | (32.0) | (1.1) |
| Other Non-Cash Items | 1,434.7 | 1,158.4 | 889.8 | 619.3 | 177.7 | 247.0 | 855.4 | 602.2 | 429.0 | 338.0 |
| Operating Cash Flow | 1,819.1 | 1,538.6 | 1,166.9 | 894.0 | 471.9 | 740.9 | 875.6 | 684.8 | 447.2 | 393.4 |
| Investing Activities | ||||||||||
| Capital Expenditure | (47.1) | (43.4) | (45.2) | (43.6) | (29.7) | (29.5) | (20.1) | (16.1) | (16.5) | (14.4) |
| Acquisitions | 0 | 0 | 0 | 8.7 | (27.2) | 109.9 | 0 | 0 | 0 | 0 |
| Purchases of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sales/Maturities of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing Activities | (2,398.6) | (1,867.8) | (1,449.4) | (1,631.4) | (923.5) | 3.2 | (921.3) | (704.9) | (510.6) | (470.2) |
| Investing Cash Flow | (2,445.8) | (1,911.2) | (1,494.7) | (1,666.3) | (980.4) | 83.6 | (941.4) | (720.9) | (527.1) | (484.6) |
| Financing Activities | ||||||||||
| Net Debt Issuance | 917.7 | 624.0 | 696.5 | 871.2 | 472.6 | (478.5) | 130.6 | 64.9 | 141.0 | 107.0 |
| Stock Repurchased | (214.6) | (289.3) | (153.2) | (143.1) | (116.7) | (56.4) | (33.8) | (17.3) | (5.1) | (0.4) |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | 0 | (15.9) | (16.8) | (3.2) | 9.2 | (1.0) | (1.3) | (25.1) | (31.3) | (6.7) |
| Financing Cash Flow | 711.8 | 318.9 | 526.5 | 724.9 | 365.1 | (536.0) | 95.5 | 22.5 | 104.6 | 99.9 |
| Cash Position | ||||||||||
| Net Change in Cash | 85.2 | (54.8) | 199.0 | (47.5) | (143.3) | 288.2 | 30.7 | (20.9) | 28.8 | (2.1) |
| Cash at Beginning | 322.7 | 377.4 | 178.4 | 225.9 | 369.2 | 81.0 | 50.3 | 98.1 | 39.9 | 42.1 |
| Cash at End | 407.9 | 322.7 | 377.4 | 178.4 | 225.9 | 369.2 | 81.0 | 77.3 | 68.7 | 39.9 |
| Free Cash Flow | 1,772.0 | 1,495.2 | 1,121.6 | 850.4 | 442.2 | 711.4 | 855.6 | 668.8 | 430.6 | 379.0 |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||
| Revenue | 3,151.7 | 2,657.8 | 2,117.6 | 1,736.1 | 1,207.9 | 1,083.7 | 1,174.8 | 972.6 | 728.9 | 745.6 | 652.6 | 809.8 | 765.3 | 660.9 | 480.3 | 378.5 | 255.0 |
| Gross Profit | 1,580.0 | 1,239.0 | 1,035.1 | 1,001.7 | 947.8 | 597.5 | 496.3 | 389.9 | 301.4 | 352 | 382.9 | 504.6 | 430.5 | 351.5 | 261.2 | 198.0 | 134.0 |
| Operating Income | 739.4 | 584.8 | 422.1 | 384.0 | 413.1 | 357.8 | 248.2 | 175.5 | 116.2 | 121.5 | 124.4 | 215.0 | 142.6 | 114.2 | 76.3 | 39.0 | 27.9 |
| Net Income | 308.4 | 209.4 | 175.1 | 207.4 | 256.3 | 377.8 | 36.6 | 70.1 | 29.2 | 34.6 | 44.0 | 111.7 | 78.0 | 58.9 | 37.0 | 24.8 | 17.7 |
| EPS (Diluted) | 11.58 | 7.43 | 5.49 | 6.19 | 6.79 | 11.70 | 3.72 | 1.99 | 0.86 | 1.03 | 1.33 | 3.38 | 2.36 | 1.78 | 1.12 | 0.75 | 0.54 |
| Balance Sheet | |||||||||||||||||
| Cash & Equivalents | 71.7 | 73.9 | 377.4 | 100.2 | 165.5 | 297.3 | 35.9 | 28.1 | 68.7 | 39.9 | 27.3 | ||||||
| Total Assets | 6,468.4 | 5,266.1 | 4,585.5 | 3,780.9 | 2,761.5 | 2,108.1 | 1,574.4 | 1,334.4 | 1,159.5 | 977.9 | 375.7 | ||||||
| Total Debt | 4,562.5 | 3,595.6 | 2,989.0 | 2,292.3 | 1,425.4 | 1,014.4 | 1,028.4 | 860.1 | 791.5 | 652.9 | 255.8 | ||||||
| Stockholders' Equity | 1,336.7 | 1,196.9 | 1,240.2 | 1,186.1 | 1,093.1 | 917.3 | 376.6 | 347.8 | 281.7 | 241.7 | 55.4 | ||||||
| Cash Flow | |||||||||||||||||
| Operating Cash Flow | 1,819.1 | 1,538.6 | 1,166.9 | 894.0 | 471.9 | 740.9 | 875.6 | 684.8 | 447.2 | 393.4 | |||||||
| Capital Expenditure | (47.1) | (43.4) | (45.2) | (43.6) | (29.7) | (29.5) | (20.1) | (16.1) | (16.5) | (14.4) | |||||||
| Free Cash Flow | 1,772.0 | 1,495.2 | 1,121.6 | 850.4 | 442.2 | 711.4 | 855.6 | 668.8 | 430.6 | 379.0 | |||||||