Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $4.04 billion. The enterprise value is $8.11 billion.
Important Dates
The next estimated earnings date is Tuesday, February 3, 2026, after market close.
| Earnings Date | Feb 3, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 24.80 million shares outstanding. The number of shares has decreased by -6.65% in one year.
| Current Share Class | 24.80M |
| Shares Outstanding | 24.80M |
| Shares Change (YoY) | -6.65% |
| Shares Change (QoQ) | -0.65% |
| Owned by Insiders (%) | 4.66% |
| Owned by Institutions (%) | 93.41% |
| Float | 23.63M |
Valuation Ratios
The trailing PE ratio is 15.06 and the forward PE ratio is 11.61.
| PE Ratio | 15.06 |
| Forward PE | 11.61 |
| PS Ratio | 2.94 |
| Forward PS | 1.13 |
| PB Ratio | 3.15 |
| P/TBV Ratio | 4.04 |
| P/FCF Ratio | 2.37 |
| P/OCF Ratio | 2.31 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 27.68 |
| EV / Sales | 5.74 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.76 |
Financial Position
The company has a current ratio of 21.73, with a Debt / Equity ratio of 3.22.
| Current Ratio | 21.73 |
| Quick Ratio | 20.53 |
| Debt / Equity | 3.22 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.43 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 23.81%.
| Return on Equity (ROE) | 23.81% |
| Return on Assets (ROA) | 5.36% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $791,335 |
| Profits Per Employee | $164,020 |
| Employee Count | 1,787 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $86.54 million in taxes.
| Income Tax | 86.54M |
| Effective Tax Rate | 22.80% |
Stock Price Statistics
The stock price has increased by +60.51% in the last 52 weeks. The beta is 1.32, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.32 |
| 52-Week Price Change | +60.51% |
| 50-Day Moving Average | 124.10 |
| 200-Day Moving Average | 108.87 |
| Relative Strength Index (RSI) | 84.20 |
| Average Volume (20 Days) | 238,098 |
Short Selling Information
The latest short interest is 1.62 million, so 6.55% of the outstanding shares have been sold short.
| Short Interest | 1.62M |
| Short Previous Month | 1.61M |
| Short % of Shares Out | 6.55% |
| Short % of Float | 6.88% |
| Short Ratio (days to cover) | 7.12 |
Income Statement
In the last 12 months, ENVA had revenue of $1.41 billion and earned $293.10 million in profits. Earnings per share was $10.82.
| Revenue | 1.41B |
| Gross Profit | 1.17B |
| Operating Income | 380.71M |
| Pretax Income | 379.65M |
| Net Income | 293.10M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $10.82 |
Full Income StatementBalance Sheet
The company has $62.63 million in cash and $4.14 billion in debt, giving a net cash position of -$4.08 billion or -$164.35 per share.
| Cash & Cash Equivalents | 62.63M |
| Total Debt | 4.14B |
| Net Cash | -4.08B |
| Net Cash Per Share | -$164.35 |
| Equity (Book Value) | 1.28B |
| Book Value Per Share | 51.59 |
| Working Capital | 5.24B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.75 billion and capital expenditures -$45.62 million, giving a free cash flow of $1.71 billion.
| Operating Cash Flow | 1.75B |
| Capital Expenditures | -45.62M |
| Free Cash Flow | 1.71B |
| FCF Per Share | $68.75 |
Full Cash Flow StatementMargins
Gross margin is 82.38%, with operating and profit margins of 26.92% and 20.73%.
| Gross Margin | 82.38% |
| Operating Margin | 26.92% |
| Pretax Margin | 26.85% |
| Profit Margin | 20.73% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 120.58% |
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 | 6.65% |
| Shareholder Yield | 6.65% |
| Earnings Yield | 7.26% |
| FCF Yield | 42.25% |
Dividend DetailsAnalyst Forecast
The average price target for ENVA is $155.40, which is -4.49% lower than the current price. The consensus rating is "Strong Buy".
| Price Target | $155.40 |
| Price Target Difference | -4.49% |
| 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 |
