ENVA Enova International Inc

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

Price (delayed)

$48.81

Market cap

$1.52B

P/E Ratio

7.54

Dividend/share

N/A

EPS

$6.47

Enterprise value

$3.58B

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
The company's equity rose by 13% YoY and by 2.9% QoQ
ENVA's revenue is up by 8% year-on-year
ENVA's price to earnings (P/E) is 35% more than its last 4 quarters average of 5.6 but 33% less than its 5-year quarterly average of 11.3
Enova International's debt has increased by 35% YoY and by 2.1% QoQ
The net income has contracted by 12% YoY
Sector: Financial Services
Industry: Credit Services
Website: https://www.enova.com/
Peers: EZPW AL AMRK

Key stats

What are the main financial stats of ENVA
Market
Shares outstanding
31.21M
Market cap
$1.52B
Enterprise value
$3.58B
Valuations
Price to earnings (P/E)
7.54
Price to book (P/B)
1.26
Price to sales (P/S)
1.35
EV/EBIT
8.79
EV/EBITDA
8.04
EV/Sales
3.15
Earnings
Revenue
$1.13B
EBIT
$406.66M
EBITDA
$444.55M
Free cash flow
$978.59M
Per share
EPS
$6.47
Free cash flow per share
$31.22
Book value per share
$38.69
Revenue per share
$36.21
TBVPS
$113.04
Balance sheet
Total assets
$3.85B
Total liabilities
$2.63B
Debt
$2.34B
Equity
$1.22B
Working capital
N/A
Liquidity
Debt to equity
1.92
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.62
Margins
EBITDA margin
39.2%
Gross margin
100%
Net margin
18.1%
Operating margin
35.5%
Efficiency
Return on assets
5.7%
Return on equity
17.7%
Return on invested capital
7.8%
Return on capital employed
N/A
Return on sales
35.8%
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
4.5%
1 week
4.32%
1 month
12.28%
1 year
54.12%
YTD
27.21%
QTD
9.86%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$1.13B
Gross profit
$1.13B
Operating income
$402.51M
Net income
$205.9M
Gross margin
100%
Net margin
18.1%
Enova International's net margin has decreased by 18% YoY and by 2.7% QoQ
The net income has contracted by 12% YoY
ENVA's revenue is up by 8% year-on-year
Enova International's gross profit has increased by 8% YoY

Growth

What is Enova International's growth rate over time

Valuation

What is Enova International stock price valuation
P/E
7.54
P/B
1.26
P/S
1.35
EV/EBIT
8.79
EV/EBITDA
8.04
EV/Sales
3.15
ENVA's price to earnings (P/E) is 35% more than its last 4 quarters average of 5.6 but 33% less than its 5-year quarterly average of 11.3
The price to book (P/B) is 26% higher than the last 4 quarters average of 1.0 but 16% lower than the 5-year quarterly average of 1.5
The company's equity rose by 13% YoY and by 2.9% QoQ
ENVA's price to sales (P/S) is 35% more than its 5-year quarterly average of 1.0 and 35% more than its last 4 quarters average of 1.0
ENVA's revenue is up by 8% year-on-year

Efficiency

How efficient is Enova International business performance
The company's return on assets fell by 34% YoY and by 7% QoQ
The return on invested capital has declined by 30% year-on-year
The ROE has contracted by 17% YoY and by 3.8% from the previous quarter
The ROS is up by 2.9% 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 46% greater than the total liabilities
ENVA's total liabilities is up by 33% year-on-year
The total assets rose by 26% year-on-year
Enova International's debt is 92% higher than its equity
Enova International's debt has increased by 35% YoY and by 2.1% QoQ
ENVA's debt to equity is up by 19% year-on-year

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