ENVA Enova International Inc

Price (delayed)

$36.56

Market cap

$1.34B

P/E Ratio

2.63

Dividend/share

N/A

EPS

$13.88

Enterprise value

$1.91B

Sector: Financial Services
Industry: Credit Services

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 has surged by 129% YoY and by 10% QoQ
The gross margin has soared by 88% YoY
Enova International's gross profit has surged by 74% YoY but it has decreased by 11% QoQ
ENVA's revenue is down by 11% since the previous quarter and by 7% year-on-year

Key stats

What are the main financial stats of ENVA
Market
Shares outstanding
36.75M
Market cap
$1.34B
Enterprise value
$1.91B
Valuations
Price to earnings (P/E)
2.63
Price to book (P/B)
1.32
Price to sales (P/S)
1.38
EV/EBIT
3.1
EV/EBITDA
2.99
EV/Sales
1.99
Earnings
Revenue
$959.82M
EBIT
$616.44M
EBITDA
$639.12M
Free cash flow
$573.94M
Per share
EPS
$13.88
Free cash flow per share
$15.89
Book value per share
$27.69
Revenue per share
$26.58
TBVPS
$50.21
Balance sheet
Total assets
$2.13B
Total liabilities
$1.13B
Debt
$940.6M
Equity
$1B
Working capital
N/A
Liquidity
Debt to equity
0.94
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.89
Margins
EBITDA margin
66.6%
Gross margin
100%
Net margin
46.7%
Operating margin
64.2%
Efficiency
Return on assets
24.1%
Return on equity
60.3%
Return on invested capital
29.2%
Return on capital employed
N/A
Return on sales
64.2%
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
3.36%
1 week
-0.79%
1 month
7.66%
1 year
242.96%
YTD
47.6%
QTD
3.04%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$959.82M
Gross profit
$959.82M
Operating income
$615.96M
Net income
$448.3M
Gross margin
100%
Net margin
46.7%
The gross margin has soared by 88% YoY
Enova International's gross profit has surged by 74% YoY but it has decreased by 11% QoQ
Enova International's net margin has increased by 34% QoQ
The net income has grown by 19% from the previous quarter

Growth

What is Enova International's growth rate over time

Valuation

What is Enova International stock price valuation
P/E
2.63
P/B
1.32
P/S
1.38
EV/EBIT
3.1
EV/EBITDA
2.99
EV/Sales
1.99
ENVA's price to earnings (P/E) is 83% less than its 5-year quarterly average of 14.6 and 57% less than its last 4 quarters average of 5.9
The EPS is up by 17% since the previous quarter
The company's equity has surged by 129% YoY and by 10% QoQ
The price to book (P/B) is 28% higher than the last 4 quarters average of 1.0 but 25% lower than the 5-year quarterly average of 1.7
ENVA's price to sales (P/S) is 90% more than its 5-year quarterly average of 0.7 and 66% more than its last 4 quarters average of 0.8
ENVA's revenue is down by 11% since the previous quarter and by 7% year-on-year

Efficiency

How efficient is Enova International business performance
The ROS is up by 33% since the previous quarter
The return on invested capital has increased by 18% since the previous quarter
The company's return on assets rose by 13% QoQ
The ROE has contracted by 4% 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 89% greater than the total liabilities
The total assets rose by 23% year-on-year
ENVA's total liabilities is down by 13% year-on-year and by 5% since the previous quarter
Enova International's debt is 6% lower than its equity
The company's equity has surged by 129% YoY and by 10% QoQ
ENVA's debt to equity has dropped by 63% year-on-year and by 15% since the previous quarter

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