ENVA Enova International Inc

Price (delayed)

$63.14

Market cap

$1.78B

P/E Ratio

11.06

Dividend/share

N/A

EPS

$5.71

Enterprise value

$4.37B

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 10% YoY and by 2.9% QoQ
ENVA's revenue is up by 10% year-on-year and by 2.9% since the previous quarter
ENVA's price to earnings (P/E) is 33% more than its last 4 quarters average of 8.3 and 8% more than its 5-year quarterly average of 10.2
Enova International's debt has increased by 30% YoY and by 20% QoQ

Key stats

What are the main financial stats of ENVA
Market
Shares outstanding
28.18M
Market cap
$1.78B
Enterprise value
$4.37B
Valuations
Price to book (P/B)
1.52
Price to sales (P/S)
1.57
EV/EBIT
10.36
EV/EBITDA
9.5
EV/Sales
3.56
Earnings
Revenue
$1.23B
EBIT
$422.03M
EBITDA
$460.18M
Free cash flow
$1.12B
Per share
EPS
$5.71
Free cash flow per share
$36.57
Book value per share
$41.52
Revenue per share
$40.1
TBVPS
$139.77
Balance sheet
Total assets
$4.59B
Total liabilities
$3.35B
Debt
$2.97B
Equity
$1.24B
Working capital
N/A
Liquidity
Debt to equity
2.4
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.64
Margins
EBITDA margin
37.4%
Gross margin
100%
Net margin
14.2%
Operating margin
34.3%
Efficiency
Return on assets
4.3%
Return on equity
14.1%
Return on invested capital
7%
Return on capital employed
N/A
Return on sales
34.3%
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
-0.17%
1 week
2.82%
1 month
14.74%
1 year
26.81%
YTD
14.05%
QTD
14.05%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$1.23B
Gross profit
$1.23B
Operating income
$422.14M
Net income
$175.12M
Gross margin
100%
Net margin
14.2%
Enova International's net margin has decreased by 24% YoY and by 11% QoQ
The net income has contracted by 16% YoY and by 8% from the previous quarter
The operating income has increased by 10% year-on-year
Enova International's gross profit has increased by 10% YoY and by 2.9% QoQ

Growth

What is Enova International's growth rate over time

Valuation

What is Enova International stock price valuation
P/E
11.06
P/B
1.52
P/S
1.57
EV/EBIT
10.36
EV/EBITDA
9.5
EV/Sales
3.56
ENVA's price to earnings (P/E) is 33% more than its last 4 quarters average of 8.3 and 8% more than its 5-year quarterly average of 10.2
The EPS has declined by 11% year-on-year and by 7% since the previous quarter
The price to book (P/B) is 17% higher than the 5-year quarterly average of 1.3 and 17% higher than the last 4 quarters average of 1.3
The company's equity rose by 4.6% YoY
ENVA's price to sales (P/S) is 57% more than its 5-year quarterly average of 1.0 and 21% more than its last 4 quarters average of 1.3
ENVA's revenue is up by 10% year-on-year and by 2.9% since the previous quarter

Efficiency

How efficient is Enova International business performance
The company's return on assets fell by 30% YoY and by 12% QoQ
The ROE has contracted by 23% YoY and by 10% from the previous quarter
The return on invested capital has declined by 11% year-on-year and by 7% since the previous quarter
The ROS has declined by 4.2% 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 37% greater than the total liabilities
ENVA's total liabilities is up by 29% year-on-year and by 18% since the previous quarter
The total assets rose by 21% year-on-year and by 12% since the previous quarter
Enova International's debt is 140% higher than its equity
Enova International's debt has increased by 30% YoY and by 20% QoQ
ENVA's debt to equity is up by 24% year-on-year and by 22% since the previous quarter

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