ENVA Enova International Inc

  1. Stocks
  2. Financial Services
  3. NYSE: ENVA

Price (delayed)

$81.91

Market cap

$2.16B

P/E Ratio

13.11

Dividend/share

N/A

EPS

$6.25

Enterprise value

$5.11B

Enova International is a leading provider of online financial services to non-prime consumers and small businesses, providing access to credit powered by its advanced analytics, innovative technology, and world-class online ...

Highlights
ENVA's revenue is up by 16% year-on-year and by 5% since the previous quarter
Enova International's gross profit has increased by 16% YoY and by 5% QoQ
The net income has contracted by 12% YoY but it has grown by 3.3% from the previous quarter
The EPS is up by 8% since the previous quarter but it has declined by 2.5% year-on-year
Enova International's debt has increased by 38% YoY and by 5% QoQ
ENVA's price to earnings (P/E) is 35% more than its last 4 quarters average of 9.7 and 29% more than its 5-year quarterly average of 10.2
Sector: Financial Services
Industry: Credit Services
Website: https://www.enova.com/
Peers: EZPW AMRK AL

Key stats

What are the main financial stats of ENVA
Market
Shares outstanding
26.4M
Market cap
$2.16B
Enterprise value
$5.11B
Valuations
Price to earnings (P/E)
13.11
Price to book (P/B)
1.94
Price to sales (P/S)
1.62
EV/EBIT
10.71
EV/EBITDA
9.9
EV/Sales
3.76
Earnings
Revenue
$1.36B
EBIT
$477.48M
EBITDA
$516.44M
Free cash flow
$1.25B
Per share
EPS
$6.25
Free cash flow per share
$46.33
Book value per share
$42.31
Revenue per share
$50.51
TBVPS
$167.9
Balance sheet
Total assets
$4.82B
Total liabilities
$3.67B
Debt
$3.22B
Equity
$1.15B
Working capital
N/A
Liquidity
Debt to equity
2.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.71
Margins
EBITDA margin
38%
Gross margin
100%
Net margin
13.1%
Operating margin
35.1%
Efficiency
Return on assets
3.9%
Return on equity
14.9%
Return on invested capital
6.9%
Return on capital employed
N/A
Return on sales
35.1%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

ENVA stock price

How has the Enova International stock price performed over time
Intraday
1.04%
1 week
12.75%
1 month
34.72%
1 year
45.83%
YTD
47.96%
QTD
31.58%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$1.36B
Gross profit
$1.36B
Operating income
$477.12M
Net income
$178.39M
Gross margin
100%
Net margin
13.1%
Enova International's net margin has decreased by 24% YoY and by 2.2% QoQ
ENVA's revenue is up by 16% year-on-year and by 5% since the previous quarter
Enova International's gross profit has increased by 16% YoY and by 5% QoQ
The operating income has increased by 12% year-on-year and by 8% since the previous quarter

Growth

What is Enova International's growth rate over time

Valuation

What is Enova International stock price valuation
ENVA P/E details
P/E
13.11
P/B
1.94
P/S
1.62
EV/EBIT
10.71
EV/EBITDA
9.9
EV/Sales
3.76
ENVA's price to earnings (P/E) is 35% more than its last 4 quarters average of 9.7 and 29% more than its 5-year quarterly average of 10.2
The EPS is up by 8% since the previous quarter but it has declined by 2.5% year-on-year
The price to book (P/B) is 62% higher than the 5-year quarterly average of 1.2 and 39% higher than the last 4 quarters average of 1.4
The company's equity fell by 8% YoY
ENVA's price to sales (P/S) is 47% more than its 5-year quarterly average of 1.1 and 25% more than its last 4 quarters average of 1.3
ENVA's revenue is up by 16% year-on-year and by 5% since the previous quarter

Efficiency

How efficient is Enova International business performance
The company's return on assets fell by 28% YoY and by 2.5% QoQ
The ROE has contracted by 11% YoY but it has grown by 6% from the previous quarter
The return on invested capital has declined by 10% year-on-year
The ROS has declined by 2.8% year-on-year but it is up by 2% since the previous quarter

Dividends

What is ENVA's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for ENVA.

Financial health

How did Enova International financials performed over time
The total assets is 31% greater than the total liabilities
ENVA's total liabilities is up by 38% year-on-year and by 5% since the previous quarter
The total assets rose by 23% year-on-year and by 3.9% since the previous quarter
Enova International's debt is 181% higher than its equity
ENVA's debt to equity has surged by 51% year-on-year and by 5% since the previous quarter
Enova International's debt has increased by 38% YoY and by 5% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.