Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $2.82 billion. The enterprise value is $6.54 billion.
Important Dates
The next estimated earnings date is Tuesday, July 22, 2025, after market close.
| Earnings Date | Jul 22, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 25.37 million shares outstanding. The number of shares has decreased by -11.30% in one year.
| Current Share Class | 25.37M |
| Shares Outstanding | 25.37M |
| Shares Change (YoY) | -11.30% |
| Shares Change (QoQ) | -2.03% |
| Owned by Insiders (%) | 4.62% |
| Owned by Institutions (%) | 94.38% |
| Float | 24.18M |
Valuation Ratios
The trailing PE ratio is 11.52 and the forward PE ratio is 8.16.
| PE Ratio | 11.52 |
| Forward PE | 8.16 |
| PS Ratio | 1.97 |
| Forward PS | 0.85 |
| PB Ratio | 2.09 |
| P/TBV Ratio | 3.10 |
| P/FCF Ratio | 1.83 |
| P/OCF Ratio | 1.78 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 27.97 |
| EV / Sales | 5.02 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.26 |
Financial Position
The company has a current ratio of 18.53, with a Debt / Equity ratio of 3.17.
| Current Ratio | 18.53 |
| Quick Ratio | 17.58 |
| Debt / Equity | 3.17 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.47 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 19.94%.
| Return on Equity (ROE) | 19.94% |
| Return on Assets (ROA) | 4.64% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $729,925 |
| Profits Per Employee | $130,926 |
| Employee Count | 1,787 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $63.51 million in taxes.
| Income Tax | 63.51M |
| Effective Tax Rate | 21.35% |
Stock Price Statistics
The stock price has increased by +82.58% in the last 52 weeks. The beta is 1.45, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.45 |
| 52-Week Price Change | +82.58% |
| 50-Day Moving Average | 95.86 |
| 200-Day Moving Average | 96.48 |
| Relative Strength Index (RSI) | 77.71 |
| Average Volume (20 Days) | 301,316 |
Short Selling Information
The latest short interest is 2.14 million, so 8.43% of the outstanding shares have been sold short.
| Short Interest | 2.14M |
| Short Previous Month | 2.17M |
| Short % of Shares Out | 8.43% |
| Short % of Float | 8.84% |
| Short Ratio (days to cover) | 10.39 |
Income Statement
In the last 12 months, ENVA had revenue of $1.30 billion and earned $233.97 million in profits. Earnings per share was $8.48.
| Revenue | 1.30B |
| Gross Profit | 1.07B |
| Operating Income | 320.48M |
| Pretax Income | 235.06M |
| Net Income | 233.97M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.48 |
Full Income StatementBalance Sheet
The company has $61.44 million in cash and $3.79 billion in debt, giving a net cash position of -$3.73 billion or -$146.97 per share.
| Cash & Cash Equivalents | 61.44M |
| Total Debt | 3.79B |
| Net Cash | -3.73B |
| Net Cash Per Share | -$146.97 |
| Equity (Book Value) | 1.20B |
| Book Value Per Share | 46.82 |
| Working Capital | 4.73B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.58 billion and capital expenditures -$45.07 million, giving a free cash flow of $1.54 billion.
| Operating Cash Flow | 1.58B |
| Capital Expenditures | -45.07M |
| Free Cash Flow | 1.54B |
| FCF Per Share | $60.56 |
Full Cash Flow StatementMargins
Gross margin is 82.18%, with operating and profit margins of 24.57% and 17.94%.
| Gross Margin | 82.18% |
| Operating Margin | 24.57% |
| Pretax Margin | 22.81% |
| Profit Margin | 17.94% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 117.76% |
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 | 11.30% |
| Shareholder Yield | 11.30% |
| Earnings Yield | 8.31% |
| FCF Yield | 54.55% |
Dividend DetailsAnalyst Forecast
The average price target for ENVA is $126.33, which is 13.80% higher than the current price. The consensus rating is "Buy".
| Price Target | $126.33 |
| Price Target Difference | 13.80% |
| Analyst Consensus | Buy |
| Analyst Count | 7 |
| 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 |
