Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $3.49 billion. The enterprise value is $7.93 billion.
Important Dates
The next estimated earnings date is Tuesday, April 28, 2026, after market close.
| Earnings Date | Apr 28, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 25.01 million shares outstanding. The number of shares has decreased by -5.06% in one year.
| Current Share Class | 25.01M |
| Shares Outstanding | 25.01M |
| Shares Change (YoY) | -5.06% |
| Shares Change (QoQ) | -0.43% |
| Owned by Insiders (%) | 4.67% |
| Owned by Institutions (%) | 94.18% |
| Float | 23.83M |
Valuation Ratios
The trailing PE ratio is 12.07 and the forward PE ratio is 8.79.
| PE Ratio | 12.07 |
| Forward PE | 8.79 |
| PS Ratio | 2.34 |
| Forward PS | 0.94 |
| PB Ratio | 2.57 |
| P/TBV Ratio | 3.75 |
| P/FCF Ratio | 1.97 |
| P/OCF Ratio | 1.92 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 25.73 |
| EV / Sales | 5.32 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.48 |
Financial Position
The company has a current ratio of 19.33, with a Debt / Equity ratio of 3.39.
| Current Ratio | 19.33 |
| Quick Ratio | 18.25 |
| Debt / Equity | 3.39 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.56 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 24.34% and return on invested capital (ROIC) is 5.45%.
| Return on Equity (ROE) | 24.34% |
| Return on Assets (ROA) | 5.26% |
| Return on Invested Capital (ROIC) | 5.45% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.76% |
| Revenue Per Employee | $812,057 |
| Profits Per Employee | $167,968 |
| Employee Count | 1,836 |
| Asset Turnover | 0.25 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $92.65 million in taxes.
| Income Tax | 92.65M |
| Effective Tax Rate | 23.10% |
Stock Price Statistics
The stock price has increased by +59.35% in the last 52 weeks. The beta is 1.22, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.22 |
| 52-Week Price Change | +59.35% |
| 50-Day Moving Average | 153.44 |
| 200-Day Moving Average | 126.37 |
| Relative Strength Index (RSI) | 40.75 |
| Average Volume (20 Days) | 277,742 |
Short Selling Information
The latest short interest is 1.86 million, so 7.42% of the outstanding shares have been sold short.
| Short Interest | 1.86M |
| Short Previous Month | 1.87M |
| Short % of Shares Out | 7.42% |
| Short % of Float | 7.79% |
| Short Ratio (days to cover) | 4.71 |
Income Statement
In the last 12 months, ENVA had revenue of $1.49 billion and earned $308.39 million in profits. Earnings per share was $11.52.
| Revenue | 1.49B |
| Gross Profit | 1.23B |
| Operating Income | 400.13M |
| Pretax Income | 401.03M |
| Net Income | 308.39M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $11.52 |
Full Income StatementBalance Sheet
The company has $85.43 million in cash and $4.53 billion in debt, with a net cash position of -$4.44 billion or -$177.73 per share.
| Cash & Cash Equivalents | 85.43M |
| Total Debt | 4.53B |
| Net Cash | -4.44B |
| Net Cash Per Share | -$177.73 |
| Equity (Book Value) | 1.34B |
| Book Value Per Share | 54.08 |
| Working Capital | 5.69B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.82 billion and capital expenditures -$47.14 million, giving a free cash flow of $1.77 billion.
| Operating Cash Flow | 1.82B |
| Capital Expenditures | -47.14M |
| Free Cash Flow | 1.77B |
| FCF Per Share | $70.85 |
Full Cash Flow StatementMargins
Gross margin is 82.68%, with operating and profit margins of 26.84% and 20.68%.
| Gross Margin | 82.68% |
| Operating Margin | 26.84% |
| Pretax Margin | 26.90% |
| Profit Margin | 20.68% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 118.85% |
Dividends & Yields
ENVA does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 5.06% |
| Shareholder Yield | 5.06% |
| Earnings Yield | 8.84% |
| FCF Yield | 50.78% |
Analyst Forecast
The average price target for ENVA is $173.00, which is 24.00% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $173.00 |
| Price Target Difference | 24.00% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
| Last Split Date | n/a |
| Split Type | n/a |
| Split Ratio | n/a |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |
