Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $5.58 billion. The enterprise value is $10.49 billion.
| Market Cap | 5.58B |
| Enterprise Value | 10.49B |
Important Dates
The next estimated earnings date is Thursday, October 22, 2026, after market close.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 24.90 million shares outstanding. The number of shares has decreased by -3.49% in one year.
| Current Share Class | 24.90M |
| Shares Outstanding | 24.90M |
| Shares Change (YoY) | -3.49% |
| Shares Change (QoQ) | -0.28% |
| Owned by Insiders (%) | 4.33% |
| Owned by Institutions (%) | 97.34% |
| Float | 23.81M |
Valuation Ratios
The trailing PE ratio is 16.64 and the forward PE ratio is 11.82.
| PE Ratio | 16.64 |
| Forward PE | 11.82 |
| PS Ratio | 3.30 |
| Forward PS | 1.31 |
| PB Ratio | 3.72 |
| P/TBV Ratio | 4.59 |
| P/FCF Ratio | 2.86 |
| P/OCF Ratio | 2.79 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 29.51 |
| EV / Sales | 6.20 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 5.37 |
Financial Position
The company has a current ratio of 20.15, with a Debt / Equity ratio of 3.37.
| Current Ratio | 20.15 |
| Quick Ratio | 19.12 |
| Debt / Equity | 3.37 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.58 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 26.08% and return on invested capital (ROIC) is 5.65%.
| Return on Equity (ROE) | 26.08% |
| Return on Assets (ROA) | 5.49% |
| Return on Invested Capital (ROIC) | 5.65% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.73% |
| Revenue Per Employee | $921,450 |
| Profits Per Employee | $193,601 |
| Employee Count | 1,836 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $106.47 million in taxes.
| Income Tax | 106.47M |
| Effective Tax Rate | 23.05% |
Stock Price Statistics
The stock price has increased by +89.25% in the last 52 weeks. The beta is 1.21, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.21 |
| 52-Week Price Change | +89.25% |
| 50-Day Moving Average | 241.55 |
| 200-Day Moving Average | 178.51 |
| Relative Strength Index (RSI) | 39.03 |
| Average Volume (20 Days) | 260,763 |
Short Selling Information
The latest short interest is 2.12 million, so 8.51% of the outstanding shares have been sold short.
| Short Interest | 2.12M |
| Short Previous Month | 2.16M |
| Short % of Shares Out | 8.51% |
| Short % of Float | 8.90% |
| Short Ratio (days to cover) | 6.14 |
Income Statement
In the last 12 months, ENVA had revenue of $1.69 billion and earned $355.45 million in profits. Earnings per share was $13.46.
| Revenue | 1.69B |
| Gross Profit | 1.41B |
| Operating Income | 470.53M |
| Pretax Income | 461.93M |
| Net Income | 355.45M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $13.46 |
Balance Sheet
The company has $135.27 million in cash and $5.05 billion in debt, with a net cash position of -$4.91 billion or -$197.21 per share.
| Cash & Cash Equivalents | 135.27M |
| Total Debt | 5.05B |
| Net Cash | -4.91B |
| Net Cash Per Share | -$197.21 |
| Equity (Book Value) | 1.50B |
| Book Value Per Share | 60.16 |
| Working Capital | 6.41B |
Cash Flow
In the last 12 months, operating cash flow was $2.00 billion and capital expenditures -$46.41 million, giving a free cash flow of $1.95 billion.
| Operating Cash Flow | 2.00B |
| Capital Expenditures | -46.41M |
| Depreciation & Amortization | 33.98M |
| Net Borrowing | 1.04B |
| Free Cash Flow | 1.95B |
| FCF Per Share | $78.43 |
Margins
Gross margin is 83.29%, with operating and profit margins of 27.81% and 21.01%.
| Gross Margin | 83.29% |
| Operating Margin | 27.81% |
| Pretax Margin | 27.30% |
| Profit Margin | 21.01% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 115.43% |
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 | 3.49% |
| Shareholder Yield | 3.49% |
| Earnings Yield | 6.37% |
| FCF Yield | 35.01% |
Analyst Forecast
The average price target for ENVA is $277.14, which is 23.71% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $277.14 |
| Price Target Difference | 23.71% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair 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 | 5 |