ENVA Enova International Inc

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

Price (delayed)

$31.98

Market cap

$1.18B

P/E Ratio

2.21

Dividend/share

N/A

EPS

$14.47

Enterprise value

$1.82B

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 130% YoY and by 9% QoQ
ENVA's price to earnings (P/E) is 85% less than its 5-year quarterly average of 14.3 and 26% less than its last 4 quarters average of 3.0
Enova International's debt has increased by 16% QoQ and by 16% 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
36.87M
Market cap
$1.18B
Enterprise value
$1.82B
Valuations
Price to earnings (P/E)
2.21
Price to book (P/B)
1.07
Price to sales (P/S)
1.22
EV/EBIT
2.8
EV/EBITDA
2.69
EV/Sales
1.89
Earnings
Revenue
$965.9M
EBIT
$652.71M
EBITDA
$678.86M
Free cash flow
$446.18M
Per share
EPS
$14.47
Free cash flow per share
$12.12
Book value per share
$29.76
Revenue per share
$26.25
TBVPS
$56.41
Balance sheet
Total assets
$2.39B
Total liabilities
$1.3B
Debt
$1.09B
Equity
$1.09B
Working capital
N/A
Liquidity
Debt to equity
1
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.95
Margins
EBITDA margin
70.3%
Gross margin
100%
Net margin
49.7%
Operating margin
55%
Efficiency
Return on assets
23.2%
Return on equity
53.5%
Return on invested capital
28.1%
Return on capital employed
N/A
Return on sales
67.6%
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
-3.35%
1 week
0.06%
1 month
-6.55%
1 year
98.76%
YTD
29.11%
QTD
-6.52%

Financial performance

How have Enova International's revenue and profit performed over time
Revenue
$965.9M
Gross profit
$965.9M
Operating income
$531.44M
Net income
$480.46M
Gross margin
100%
Net margin
49.7%
The operating income has surged by 128% year-on-year and by 7% since the previous quarter
ENVA's operating margin has surged by 115% year-on-year but it is down by 7% since the previous quarter
Enova International's gross profit has surged by 76% YoY and by 15% QoQ
The gross margin has soared by 66% YoY

Growth

What is Enova International's growth rate over time

Valuation

What is Enova International stock price valuation
P/E
2.21
P/B
1.07
P/S
1.22
EV/EBIT
2.8
EV/EBITDA
2.69
EV/Sales
1.89
ENVA's price to earnings (P/E) is 85% less than its 5-year quarterly average of 14.3 and 26% less than its last 4 quarters average of 3.0
The EPS is up by 4.3% since the previous quarter
The company's equity has surged by 130% YoY and by 9% QoQ
The price to book (P/B) is 41% lower than the 5-year quarterly average of 1.8 and 2.7% lower than the last 4 quarters average of 1.1
ENVA's price to sales (P/S) is 53% more than its 5-year quarterly average of 0.8 and 22% more than its last 4 quarters average of 1.0
ENVA's revenue is up by 15% since the previous quarter and by 6% year-on-year

Efficiency

How efficient is Enova International business performance
The ROE has contracted by 11% from the previous quarter
The ROS has declined by 8% since the previous quarter
The return on invested capital has declined by 3.8% since the previous quarter
The company's return on assets fell by 3.7% QoQ

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 84% greater than the total liabilities
The total assets has surged by 52% year-on-year and by 12% since the previous quarter
ENVA's total liabilities is up by 18% year-on-year and by 15% since the previous quarter
The company's equity has surged by 130% YoY and by 9% QoQ
ENVA's debt to equity is down by 49% year-on-year but it is up by 6% since the previous quarter

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