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ENVA Enova International Inc

Price (delayed)

$93.32

Market cap

$2.37B

P/E Ratio

10.49

Dividend/share

N/A

EPS

$8.9

Enterprise value

$5.84B

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 EPS has soared by 53% year-on-year and by 14% since the previous quarter
The net income has grown by 36% YoY and by 12% from the previous quarter
ENVA's price to earnings (P/E) is 44% more than its 5-year quarterly average of 7.3 but 9% less than its last 4 quarters average of 11.5
Enova International's debt has increased by 24% YoY and by 5% QoQ

Key stats

What are the main financial stats of ENVA
Market
Shares outstanding
25.37M
Market cap
$2.37B
Enterprise value
$5.84B
Valuations
Price to earnings (P/E)
10.49
Price to book (P/B)
2.01
Price to sales (P/S)
1.49
EV/EBIT
9.7
EV/EBITDA
9.09
EV/Sales
3.63
Earnings
Revenue
$1.61B
Gross profit
$1.61B
Operating income
$625.87M
Net income
$233.97M
EBIT
$602.86M
EBITDA
$642.87M
Free cash flow
$1.54B
Per share
EPS
$8.9
EPS diluted
$8.48
Free cash flow per share
$59.83
Book value per share
$46.39
Revenue per share
$62.7
TBVPS
$201.32
Balance sheet
Total assets
$5.46B
Total liabilities
$4.26B
Debt
$3.79B
Equity
$1.2B
Working capital
N/A
Liquidity
Debt to equity
3.17
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.41
Margins
EBITDA margin
39.9%
Gross margin
100%
Net margin
14.5%
Operating margin
38.9%
Efficiency
Return on assets
4.6%
Return on equity
19.8%
Return on invested capital
7.5%
Return on capital employed
N/A
Return on sales
37.5%
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
-1.65%
1 week
-3.34%
1 month
-5.95%
1 year
58.06%
YTD
-2.67%
QTD
-3.36%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$1.61B
Gross profit
$1.61B
Operating income
$625.87M
Net income
$233.97M
Gross margin
100%
Net margin
14.5%

ENVA financials

The operating income has increased by 41% year-on-year and by 7% since the previous quarter
The net income has grown by 36% YoY and by 12% from the previous quarter
ENVA's revenue is up by 25% year-on-year and by 5% since the previous quarter
Enova International's gross profit has increased by 25% YoY and by 5% QoQ

Price vs fundamentals

How does ENVA's price correlate with its fundamentals

ENVA Price vs fundamentals

ENVA Earnings waterfall

ENVA Price vs fair value

Growth

What is Enova International's growth rate over time

ENVA growth chart

Valuation

What is Enova International stock price valuation
P/E
10.49
P/B
2.01
P/S
1.49
EV/EBIT
9.7
EV/EBITDA
9.09
EV/Sales
3.63

Valuation vs average

Price to earnings (P/E)

The EPS has soared by 53% year-on-year and by 14% since the previous quarter
ENVA's price to earnings (P/E) is 44% more than its 5-year quarterly average of 7.3 but 9% less than its last 4 quarters average of 11.5

Price to book (P/B)

The price to book (P/B) is 55% higher than the 5-year quarterly average of 1.3 and 6% higher than the last 4 quarters average of 1.9
The company's equity rose by 4% YoY

Price to sales (P/S)

ENVA's revenue is up by 25% year-on-year and by 5% since the previous quarter
ENVA's price to sales (P/S) is 24% more than its 5-year quarterly average of 1.2

Efficiency

How efficient is Enova International business performance
The ROE has grown by 40% YoY and by 11% from the previous quarter
The company's return on assets rose by 15% YoY and by 7% QoQ
The ROS is up by 9% year-on-year and by 2.2% since the previous quarter
The return on invested capital has increased by 9% year-on-year and by 2.7% 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

Assets vs liabilities

The total assets is 28% greater than the total liabilities
ENVA's total liabilities is up by 22% year-on-year and by 4.7% since the previous quarter
The total assets rose by 18% year-on-year and by 3.6% since the previous quarter

Debt vs equity

Enova International's debt has increased by 24% YoY and by 5% QoQ
ENVA's debt to equity is up by 19% year-on-year and by 6% since the previous quarter

Balance sheet

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