ENVA
Enova International, Inc.
Price Chart
Latest Quote
$235.53
-0.13 (-0.06%)
Current Price
| Previous Close | $235.66 |
| Open | $235.42 |
| Day High | $238.94 |
| Day Low | $233.62 |
| Volume | 411,212 |
Stock Information
| Shares Outstanding | 24.88M |
| Total Debt | $4.86B |
| Cash Equivalents | $110.44M |
| Revenue | $1.58B |
| Net Income | $326.54M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $5.79B |
| P/E Ratio | 19.15 |
| EPS (TTM) | $12.14 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $10.54B |
| Sales | $1.58B |
| Income | $326.54M |
| Book/sh | $56.25 |
| Cash/sh | $4.44 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 21.56 |
| Current Ratio | 22.71 |
| Debt/Eq | 347.00 |
| EPS Growth TTM | 24.90% |
Returns & Margins
| ROA | 5.30% |
| ROE | 25.13% |
| Gross Margin | 82.82% |
| Operating Margin | 26.60% |
| Profit Margin | 20.66% |
Ownership
| Insider Ownership | 4.53% |
| Institutional Ownership | 97.22% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.88 |
| P/S | 3.66 |
| P/B | 4.13 |
Analyst Data
| Recommendation | strong_buy |
| Target Price | $250.71 |
Technical Indicators
| SMA20 | $228.93 |
| SMA50 | $193.83 |
| SMA200 | $155.06 |
| RSI | 51.20 |
| ATR | 9.4424 |
| Shares Float | 23.79M |
| Short Float | 11.55% |
| Short Ratio | 5.31 |
| Volatility | 1.22 |
| Rel Volume | 0.56 |
Performance History
| Week | -2.34% |
| Month | +19.98% |
| Quarter | +48.95% |
| 6 Months | +45.42% |
| YTD | +43.57% |
| Year | +104.49% |
| 3 Years | +321.54% |
| 5 Years | +585.29% |
| 10 Years | +2718.42% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $232.52 | 245,100 |
| 2026-07-16 | $235.53 | 411,200 |
| 2026-07-15 | $235.66 | 361,500 |
| 2026-07-14 | $230.64 | 413,300 |
| 2026-07-13 | $232.01 | 304,000 |
| 2026-07-10 | $238.09 | 262,800 |
| 2026-07-09 | $236.40 | 212,400 |
| 2026-07-08 | $224.90 | 459,500 |
| 2026-07-07 | $237.00 | 247,300 |
| 2026-07-06 | $234.78 | 294,400 |
| 2026-07-02 | $235.19 | 665,300 |
| 2026-07-01 | $242.18 | 435,300 |
| 2026-06-30 | $240.73 | 670,400 |
| 2026-06-29 | $235.67 | 496,000 |
| 2026-06-26 | $231.04 | 1,136,000 |
| 2026-06-25 | $221.38 | 383,700 |
| 2026-06-24 | $216.58 | 514,100 |
| 2026-06-23 | $210.99 | 330,100 |
| 2026-06-22 | $204.74 | 315,900 |
| 2026-06-18 | $202.55 | 523,300 |
About Enova International, Inc.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
đ° Latest News
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Enova International (ENVA) After Strong Q1 Results Looks Fully Valued
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Does Enovaâs Earnings Beat And Revenue Growth Change The Bull Case For Enova International (ENVA)?
Simply Wall St. âĸ 2026-07-07T07:16:18Z
Q1 Earnings Outperformers: Enova (NYSE:ENVA) And The Rest Of The Personal Loan Stocks
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $1,660,717,000 | $1,418,793,000 | $1,082,496,000 | $734,408,000 |
| Cost Of Revenue | $1,660,717,000 | $1,418,793,000 | $1,082,496,000 | $734,408,000 |
| Total Revenue | $3,151,653,000 | $2,657,800,000 | $2,117,639,000 | $1,736,085,000 |
| Operating Revenue | $3,110,301,000 | $2,620,296,000 | $2,086,035,000 | $1,712,855,000 |
| Expenses | ||||
| Total Expenses | $2,744,926,000 | $2,363,484,000 | $1,890,283,000 | $1,467,980,000 |
| Other Income Expense | $-5,693,000 | $-23,215,000 | $-109,000 | $4,469,000 |
| Operating Expense | $1,084,209,000 | $944,691,000 | $807,787,000 | $733,572,000 |
| Other Operating Expenses | $258,179,000 | $224,391,000 | $194,905,000 | $173,668,000 |
| Selling And Marketing Expense | $621,077,000 | $523,569,000 | $414,460,000 | $382,573,000 |
| General And Administrative Expense | $163,122,000 | $156,524,000 | $160,265,000 | $140,464,000 |
| Interest Expense | - | - | - | $115,887,000 |
| Net Non Operating Interest Income Expense | - | - | - | $-115,887,000 |
| Interest Expense Non Operating | - | - | - | $115,887,000 |
| Other Non Operating Income Expenses | - | - | - | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Normalized Income | $313,965,788 | $214,669,615 | $175,294,389 | $208,920,126 |
| Net Income From Continuing And Discontinued Operation | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Total Operating Income As Reported | $739,432,000 | $584,758,000 | $422,135,000 | $383,992,000 |
| Net Income Common Stockholders | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Net Income | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Net Income Including Noncontrolling Interests | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Net Income Continuous Operations | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Pretax Income | $401,034,000 | $271,101,000 | $227,247,000 | $272,574,000 |
| Special Income Charges | $-7,619,000 | $-5,691,000 | $-282,000 | $-1,321,000 |
| Earnings From Equity Interest | $1,559,000 | $-16,460,000 | $116,000 | $6,435,000 |
| Operating Income | $406,727,000 | $294,316,000 | $227,356,000 | $268,105,000 |
| Depreciation Amortization Depletion Income Statement | $41,831,000 | $40,207,000 | $38,157,000 | $36,867,000 |
| Depreciation And Amortization In Income Statement | $41,831,000 | $40,207,000 | $38,157,000 | $36,867,000 |
| Gross Profit | $1,490,936,000 | $1,239,007,000 | $1,035,143,000 | $1,001,677,000 |
| Net Interest Income | - | - | - | $-115,887,000 |
| Net Income Discontinuous Operations | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $11.52 | $7.43 | $5.49 | $6.19 |
| Basic EPS | $12.25 | $7.78 | $5.71 | $6.42 |
| Other | ||||
| Tax Effect Of Unusual Items | $-1,675,212 | $-1,533,385 | $-51,611 | $-469,874 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $455,810,000 | $341,278,000 | $265,738,000 | $306,938,000 |
| Total Unusual Items | $-7,252,000 | $-6,755,000 | $-225,000 | $-1,966,000 |
| Total Unusual Items Excluding Goodwill | $-7,252,000 | $-6,755,000 | $-225,000 | $-1,966,000 |
| Reconciled Depreciation | $41,831,000 | $40,207,000 | $38,157,000 | $36,867,000 |
| EBITDA (Bullshit earnings) | $448,558,000 | $334,523,000 | $265,513,000 | $304,972,000 |
| EBIT | $406,727,000 | $294,316,000 | $227,356,000 | $268,105,000 |
| Diluted Average Shares | $26,775,000 | $28,202,000 | $31,921,000 | $33,483,000 |
| Basic Average Shares | $25,169,000 | $26,920,000 | $30,673,000 | $32,290,000 |
| Diluted NI Availto Com Stockholders | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Tax Provision | $92,645,000 | $61,653,000 | $52,126,000 | $65,150,000 |
| Other Special Charges | $1,019,000 | $5,691,000 | $282,000 | $1,321,000 |
| Restructuring And Mergern Acquisition | $6,600,000 | - | - | $0 |
| Gain On Sale Of Security | $367,000 | $-1,064,000 | $57,000 | $-645,000 |
| Selling General And Administration | $784,199,000 | $680,093,000 | $574,725,000 | $523,037,000 |
| Other Gand A | $163,122,000 | $156,524,000 | $160,265,000 | $140,464,000 |
| Minority Interests | - | - | $0 | $0 |
Fetched: 2026-07-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,053,789,000 | $906,698,000 | $941,903,000 | $879,480,000 |
| Total Assets | $6,468,432,000 | $5,266,131,000 | $4,585,536,000 | $3,780,889,000 |
| Total Non Current Assets | $467,254,000 | $452,577,000 | $462,819,000 | $473,953,000 |
| Other Non Current Assets | $35,204,000 | $24,194,000 | $41,583,000 | $54,713,000 |
| Goodwill And Other Intangible Assets | $282,935,000 | $290,226,000 | $298,280,000 | $306,665,000 |
| Other Intangible Assets | $3,660,000 | $10,951,000 | $19,005,000 | $27,390,000 |
| Current Assets | $6,001,178,000 | $4,813,554,000 | $4,122,717,000 | $3,306,936,000 |
| Restricted Cash | $336,154,000 | $248,758,000 | $323,082,000 | $78,235,000 |
| Receivables | $5,593,315,000 | $4,490,886,000 | $3,745,278,000 | $3,128,536,000 |
| Other Receivables | $80,870,000 | $63,752,000 | $71,982,000 | $66,267,000 |
| Taxes Receivable | $40,901,000 | $40,690,000 | $44,129,000 | $43,741,000 |
| Loans Receivable | $5,471,544,000 | $4,386,444,000 | $3,629,167,000 | $3,018,528,000 |
| Cash Cash Equivalents And Short Term Investments | $71,709,000 | $73,910,000 | $54,357,000 | $100,165,000 |
| Cash And Cash Equivalents | $71,709,000 | $73,910,000 | $54,357,000 | $100,165,000 |
| Accounts Receivable | - | - | - | - |
| Debt | ||||
| Net Debt | $4,426,672,000 | $3,489,572,000 | $2,889,448,000 | $2,158,495,000 |
| Total Debt | $4,530,422,000 | $3,595,647,000 | $2,970,847,000 | $2,292,255,000 |
| Long Term Debt And Capital Lease Obligation | $4,440,422,000 | $3,595,647,000 | $2,970,847,000 | $2,292,255,000 |
| Long Term Debt | $4,408,381,000 | $3,563,482,000 | $2,943,805,000 | $2,258,660,000 |
| Current Debt And Capital Lease Obligation | $90,000,000 | $233,333,000 | - | - |
| Current Debt | $90,000,000 | $233,333,000 | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $5,131,708,000 | $4,069,207,000 | $3,345,353,000 | $2,594,744,000 |
| Total Non Current Liabilities Net Minority Interest | $4,735,859,000 | $3,819,237,000 | $3,084,197,000 | $2,396,424,000 |
| Non Current Deferred Liabilities | $295,437,000 | $223,590,000 | $113,350,000 | $104,169,000 |
| Non Current Deferred Taxes Liabilities | $295,437,000 | $223,590,000 | $113,350,000 | $104,169,000 |
| Current Liabilities | $395,849,000 | $249,970,000 | $261,156,000 | $198,320,000 |
| Other Current Liabilities | $103,212,000 | $82,463,000 | $135,229,000 | $87,679,000 |
| Payables And Accrued Expenses | $202,637,000 | $167,507,000 | $125,927,000 | $110,641,000 |
| Interest Payable | $33,882,000 | $30,501,000 | $27,673,000 | $22,978,000 |
| Payables | $78,962,000 | $58,950,000 | $43,330,000 | $30,778,000 |
| Accounts Payable | $78,962,000 | $58,950,000 | $43,330,000 | $30,778,000 |
| Current Deferred Liabilities | - | - | - | - |
| Total Tax Payable | - | - | - | - |
| Income Tax Payable | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $1,336,724,000 | $1,196,924,000 | $1,240,183,000 | $1,186,145,000 |
| Total Equity Gross Minority Interest | $1,336,724,000 | $1,196,924,000 | $1,240,183,000 | $1,186,145,000 |
| Stockholders Equity | $1,336,724,000 | $1,196,924,000 | $1,240,183,000 | $1,186,145,000 |
| Gains Losses Not Affecting Retained Earnings | $-9,500,000 | $-13,691,000 | $-6,264,000 | $-5,990,000 |
| Retained Earnings | $2,006,143,000 | $1,697,754,000 | $1,488,306,000 | $1,313,185,000 |
| Other | ||||
| Treasury Shares Number | $22,725,620 | $20,712,820 | $16,250,556 | $13,106,071 |
| Ordinary Shares Number | $24,715,608 | $25,808,096 | $29,089,258 | $31,220,928 |
| Share Issued | $47,441,228 | $46,520,916 | $45,339,814 | $44,326,999 |
| Tangible Book Value | $1,053,789,000 | $906,698,000 | $941,903,000 | $879,480,000 |
| Invested Capital | $5,835,105,000 | $4,760,406,000 | $4,183,988,000 | $3,444,805,000 |
| Working Capital | $5,605,329,000 | $4,563,584,000 | $3,861,561,000 | $3,108,616,000 |
| Capital Lease Obligations | $32,041,000 | $32,165,000 | $27,042,000 | $33,595,000 |
| Total Capitalization | $5,745,105,000 | $4,760,406,000 | $4,183,988,000 | $3,444,805,000 |
| Treasury Stock | $1,029,997,000 | $815,407,000 | $526,115,000 | $372,928,000 |
| Additional Paid In Capital | $370,078,000 | $328,268,000 | $284,256,000 | $251,878,000 |
| Capital Stock | $0 | $0 | $0 | $0 |
| Common Stock | $0 | $0 | $0 | $0 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $32,041,000 | $32,165,000 | $27,042,000 | $33,595,000 |
| Line Of Credit | $90,000,000 | $0 | - | - |
| Current Accrued Expenses | $123,675,000 | $108,557,000 | $82,597,000 | $79,863,000 |
| Goodwill | $279,275,000 | $279,275,000 | $279,275,000 | $279,275,000 |
| Net PPE | $149,115,000 | $138,157,000 | $122,956,000 | $112,575,000 |
| Accumulated Depreciation | $-158,936,000 | $-141,289,000 | $-131,128,000 | $-116,349,000 |
| Gross PPE | $308,051,000 | $279,446,000 | $254,084,000 | $228,924,000 |
| Leases | $16,745,000 | $16,724,000 | $21,644,000 | $24,503,000 |
| Other Properties | $16,549,000 | $18,201,000 | $14,251,000 | $19,347,000 |
| Machinery Furniture Equipment | $274,757,000 | $244,521,000 | $218,189,000 | $185,074,000 |
| Properties | $0 | $0 | $0 | $0 |
| Minority Interest | - | - | - | - |
| Current Deferred Revenue | - | - | - | - |
Fetched: 2026-07-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,771,981,000 | $1,495,154,000 | $1,121,628,000 | $850,369,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,819,121,000 | $1,538,576,000 | $1,166,869,000 | $893,998,000 |
| Cash Flow From Continuing Operating Activities | $1,819,121,000 | $1,538,576,000 | $1,166,869,000 | $893,998,000 |
| Operating Gains Losses | $1,019,000 | $5,690,000 | $282,000 | $4,388,000 |
| Cash From Discontinued Operating Activities | - | - | - | $0 |
| Investing Activities | ||||
| Capital Expenditure | $-47,140,000 | $-43,422,000 | $-45,241,000 | $-43,629,000 |
| Investing Cash Flow | $-2,445,783,000 | $-1,911,195,000 | $-1,494,658,000 | $-1,666,270,000 |
| Cash Flow From Continuing Investing Activities | $-2,445,783,000 | $-1,911,195,000 | $-1,494,658,000 | $-1,666,270,000 |
| Net Other Investing Changes | $-2,398,643,000 | $-1,867,773,000 | $-1,449,417,000 | $-1,631,354,000 |
| Capital Expenditure Reported | $-47,140,000 | $-43,422,000 | $-45,241,000 | $-43,629,000 |
| Cash From Discontinued Investing Activities | - | - | - | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-214,590,000 | $-289,292,000 | $-153,187,000 | $-143,070,000 |
| Financing Cash Flow | $711,818,000 | $318,882,000 | $526,541,000 | $724,866,000 |
| Cash Flow From Continuing Financing Activities | $711,818,000 | $318,882,000 | $526,541,000 | $724,866,000 |
| Net Other Financing Charges | $-15,864,000 | $-28,066,000 | $-22,422,000 | $-7,473,000 |
| Net Common Stock Issuance | $-214,590,000 | $-289,292,000 | $-153,187,000 | $-143,070,000 |
| Other | ||||
| Repayment Of Debt | $-2,520,656,000 | $-2,345,817,000 | $-1,136,313,000 | $-95,487,000 |
| Issuance Of Debt | $3,454,214,000 | $2,969,861,000 | $1,832,823,000 | $966,657,000 |
| Interest Paid Supplemental Data | $321,080,000 | $274,117,000 | $182,407,000 | $108,006,000 |
| Income Tax Paid Supplemental Data | $1,439,000 | - | - | - |
| End Cash Position | $407,863,000 | $322,668,000 | $377,439,000 | $178,400,000 |
| Beginning Cash Position | $322,668,000 | $377,439,000 | $178,400,000 | $225,883,000 |
| Effect Of Exchange Rate Changes | $39,000 | $-1,034,000 | $287,000 | $-77,000 |
| Changes In Cash | $85,156,000 | $-53,737,000 | $198,752,000 | $-47,406,000 |
| Proceeds From Stock Option Exercised | $8,714,000 | $12,196,000 | $5,640,000 | $4,239,000 |
| Common Stock Payments | $-214,590,000 | $-289,292,000 | $-153,187,000 | $-143,070,000 |
| Net Issuance Payments Of Debt | $933,558,000 | $624,044,000 | $696,510,000 | $871,170,000 |
| Net Long Term Debt Issuance | $933,558,000 | $624,044,000 | $696,510,000 | $762,170,000 |
| Long Term Debt Payments | $-2,520,656,000 | $-2,345,817,000 | $-1,136,313,000 | $-65,487,000 |
| Long Term Debt Issuance | $3,454,214,000 | $2,969,861,000 | $1,832,823,000 | $827,657,000 |
| Change In Working Capital | $32,719,000 | $-14,033,000 | $30,009,000 | $-8,590,000 |
| Change In Other Working Capital | $20,538,000 | $-49,327,000 | $47,162,000 | $50,905,000 |
| Change In Payables And Accrued Expense | $34,964,000 | $35,053,000 | $18,137,000 | $-2,843,000 |
| Change In Receivables | $-22,783,000 | $241,000 | $-35,290,000 | $-56,652,000 |
| Changes In Account Receivables | $1,391,000 | $-12,513,000 | $-44,169,000 | $-32,317,000 |
| Other Non Cash Items | $18,116,000 | $16,960,000 | $8,666,000 | $2,771,000 |
| Stock Based Compensation | $33,096,000 | $31,816,000 | $26,738,000 | $21,950,000 |
| Unrealized Gain Loss On Investment Securities | $1,313,391,000 | $1,119,214,000 | $879,351,000 | $612,154,000 |
| Asset Impairment Charge | $0 | $16,552,000 | $0 | $0 |
| Deferred Tax | $70,560,000 | $112,722,000 | $8,545,000 | $17,034,000 |
| Deferred Income Tax | $70,560,000 | $112,722,000 | $8,545,000 | $17,034,000 |
| Depreciation Amortization Depletion | $41,831,000 | $40,207,000 | $38,157,000 | $36,867,000 |
| Depreciation And Amortization | $41,831,000 | $40,207,000 | $38,157,000 | $36,867,000 |
| Net Income From Continuing Operations | $308,389,000 | $209,448,000 | $175,121,000 | $207,424,000 |
| Net Short Term Debt Issuance | - | $97,000,000 | $47,000,000 | $109,000,000 |
| Short Term Debt Payments | - | $-755,000,000 | $-376,000,000 | $-30,000,000 |
| Short Term Debt Issuance | - | $852,000,000 | $423,000,000 | $139,000,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $8,713,000 |
| Sale Of Business | - | $0 | $0 | $8,713,000 |
| Change In Payable | - | $35,053,000 | $18,137,000 | $-2,843,000 |
| Change In Account Payable | - | $35,053,000 | $18,137,000 | $-2,843,000 |
| Gain Loss On Sale Of Business | - | $0 | $0 | $4,388,000 |
| Purchase Of Business | - | - | $0 | $0 |
| Net PPE Purchase And Sale | - | - | - | $-43,629,000 |
| Purchase Of PPE | - | - | - | $-43,629,000 |
| Other Cash Adjustment Outside Changein Cash | - | - | - | - |
Fetched: 2026-07-15