ENVA Enova International Inc
Price (delayed)
$102.75
Market cap
$2.65B
P/E Ratio
13.21
Dividend/share
N/A
EPS
$7.78
Enterprise value
$5.92B
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 is up by 36% year-on-year and by 19% since the previous quarter
ENVA's revenue is up by 24% year-on-year and by 6% since the previous quarter
ENVA's price to earnings (P/E) is 32% more than its 5-year quarterly average of 10.0 and 15% more than its last 4 quarters average of 11.5
Enova International's debt has increased by 21% YoY and by 8% QoQ
Key stats
What are the main financial stats of ENVA
Market
Valuations
Earnings
Shares outstanding
25.79M
Market cap
$2.65B
Enterprise value
$5.92B
Price to earnings (P/E)
13.21
Price to book (P/B)
2.25
Price to sales (P/S)
1.81
EV/EBIT
10.55
EV/EBITDA
9.84
EV/Sales
3.87
Revenue
$1.53B
Gross profit
$1.53B
Operating income
$584.76M
Net income
$209.45M
EBIT
$561.54M
EBITDA
$601.75M
Free cash flow
$1.5B
Per share
Balance sheet
Liquidity
EPS
$7.78
EPS diluted
$7.43
Free cash flow per share
$55.54
Book value per share
$45.67
Revenue per share
$56.81
TBVPS
$184.84
Total assets
$5.27B
Total liabilities
$4.07B
Debt
$3.6B
Equity
$1.2B
Working capital
N/A
Debt to equity
3
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.44
Margins
Efficiency
Dividend
EBITDA margin
39.3%
Gross margin
100%
Net margin
13.7%
Operating margin
38.2%
Return on assets
4.3%
Return on equity
17.9%
Return on invested capital
7.3%
Return on capital employed
N/A
Return on sales
36.7%
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
-2.77%
1 week
-7.27%
1 month
-5.96%
1 year
71.82%
YTD
7.17%
QTD
7.17%
Financial performance
How have Enova International's revenue and profit performed over time
Revenue
$1.53B
Gross profit
$1.53B
Operating income
$584.76M
Net income
$209.45M
Gross margin
100%
Net margin
13.7%
The operating income has increased by 39% year-on-year and by 11% since the previous quarter
ENVA's revenue is up by 24% year-on-year and by 6% since the previous quarter
Enova International's gross profit has increased by 24% YoY and by 6% QoQ
The net income has grown by 20% YoY and by 16% from the previous quarter
Growth
What is Enova International's growth rate over time
Valuation
What is Enova International stock price valuation
P/E
13.21
P/B
2.25
P/S
1.81
EV/EBIT
10.55
EV/EBITDA
9.84
EV/Sales
3.87
The EPS is up by 36% year-on-year and by 19% since the previous quarter
ENVA's price to earnings (P/E) is 32% more than its 5-year quarterly average of 10.0 and 15% more than its last 4 quarters average of 11.5
The price to book (P/B) is 88% higher than the 5-year quarterly average of 1.2 and 32% higher than the last 4 quarters average of 1.7
The company's equity fell by 3.5% YoY
ENVA's price to sales (P/S) is 51% more than its 5-year quarterly average of 1.2 and 21% more than its last 4 quarters average of 1.5
ENVA's revenue is up by 24% year-on-year and by 6% since the previous quarter
Efficiency
How efficient is Enova International business performance
The ROE has grown by 27% YoY and by 17% from the previous quarter
The company's return on assets rose by 13% QoQ
The ROS is up by 7% year-on-year and by 4.6% since the previous quarter
The return on invested capital has increased by 6% since the previous quarter and by 4.3% year-on-year
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 29% greater than the total liabilities
ENVA's total liabilities is up by 22% year-on-year and by 7% since the previous quarter
The total assets rose by 15% year-on-year and by 6% since the previous quarter
ENVA's debt to equity is up by 25% year-on-year and by 6% since the previous quarter
Enova International's debt has increased by 21% YoY and by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.