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ENVA Enova International Inc
Price (delayed)
$96.47
Market cap
$2.53B
P/E Ratio
14.75
Dividend/share
N/A
EPS
$6.54
Enterprise value
$5.59B
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
Enova International's gross profit has increased by 21% YoY and by 6% QoQ
ENVA's revenue is up by 21% year-on-year and by 6% since the previous quarter
The company's equity fell by 7% YoY but it rose by 2.7% QoQ
ENVA's price to earnings (P/E) is 40% more than its 5-year quarterly average of 10.5 and 37% more than its last 4 quarters average of 10.8
Enova International's debt has increased by 34% YoY and by 3.1% QoQ
Key stats
What are the main financial stats of ENVA
Market
Valuations
Earnings
Shares outstanding
26.21M
Market cap
$2.53B
Enterprise value
$5.59B
Price to earnings (P/E)
14.75
Price to book (P/B)
2.16
Price to sales (P/S)
1.77
EV/EBIT
11.06
EV/EBITDA
10.26
EV/Sales
3.88
Revenue
$1.44B
Gross profit
$1.44B
Net income
$180.52M
EBIT
$505.99M
EBITDA
$545.04M
Free cash flow
$1.38B
Per share
Balance sheet
Liquidity
EPS
$6.54
EPS diluted
$6.28
Free cash flow per share
$52.13
Book value per share
$44.65
Revenue per share
$54.56
TBVPS
$177.27
Total assets
$4.98B
Total liabilities
$3.8B
Debt
$3.32B
Equity
$1.18B
Working capital
N/A
Debt to equity
2.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.62
Margins
Efficiency
Dividend
EBITDA margin
37.8%
Gross margin
100%
Net margin
12.5%
Operating margin
36.6%
Return on assets
3.8%
Return on equity
15.3%
Return on invested capital
6.9%
Return on capital employed
N/A
Return on sales
35.1%
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
1.56%
1 week
-4.43%
1 month
-3.4%
1 year
78.35%
YTD
74.26%
QTD
15.13%
Financial performance
How have Enova International's revenue and profit performed over time
Revenue
$1.44B
Gross profit
$1.44B
Operating income
$527.1M
Net income
$180.52M
Gross margin
100%
Net margin
12.5%
The operating income has increased by 23% year-on-year and by 10% since the previous quarter
Enova International's net margin has decreased by 22% YoY and by 4.6% QoQ
Enova International's gross profit has increased by 21% YoY and by 6% QoQ
ENVA's revenue is up by 21% year-on-year and by 6% since the previous quarter
Growth
What is Enova International's growth rate over time
Valuation
What is Enova International stock price valuation
P/E
14.75
P/B
2.16
P/S
1.77
EV/EBIT
11.06
EV/EBITDA
10.26
EV/Sales
3.88
ENVA's price to earnings (P/E) is 40% more than its 5-year quarterly average of 10.5 and 37% more than its last 4 quarters average of 10.8
The EPS is up by 7% year-on-year and by 4.6% since the previous quarter
The price to book (P/B) is 80% higher than the 5-year quarterly average of 1.2 and 35% higher than the last 4 quarters average of 1.6
The company's equity fell by 7% YoY but it rose by 2.7% QoQ
ENVA's price to sales (P/S) is 61% more than its 5-year quarterly average of 1.1 and 26% more than its last 4 quarters average of 1.4
ENVA's revenue is up by 21% year-on-year and by 6% since the previous quarter
Efficiency
How efficient is Enova International business performance
The company's return on assets fell by 22% YoY and by 2.6% QoQ
The return on invested capital has declined by 8% year-on-year
The ROE has grown by 2.7% from 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 34% year-on-year and by 3.5% since the previous quarter
The total assets rose by 21% year-on-year and by 3.3% since the previous quarter
Enova International's debt is 182% higher than its equity
ENVA's debt to equity is up by 44% year-on-year
Enova International's debt has increased by 34% YoY and by 3.1% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.