Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $4.40 billion. The enterprise value is $9.70 billion.
| Market Cap | 4.40B |
| Enterprise Value | 9.70B |
Important Dates
The last earnings date was 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 -2.42% in one year.
| Current Share Class | 24.90M |
| Shares Outstanding | 24.90M |
| Shares Change (YoY) | -2.42% |
| Shares Change (QoQ) | +0.61% |
| Owned by Insiders (%) | 4.33% |
| Owned by Institutions (%) | 97.49% |
| Float | 23.81M |
Valuation Ratios
The trailing PE ratio is 12.21 and the forward PE ratio is 8.91.
| PE Ratio | 12.21 |
| Forward PE | 8.91 |
| PS Ratio | 2.41 |
| Forward PS | 1.03 |
| PB Ratio | 2.94 |
| P/TBV Ratio | 3.42 |
| P/FCF Ratio | 2.19 |
| P/OCF Ratio | 2.14 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 25.38 |
| EV / Sales | 5.31 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.84 |
Financial Position
The company has a current ratio of 20.67, with a Debt / Equity ratio of 3.45.
| Current Ratio | 20.67 |
| Quick Ratio | 19.56 |
| Debt / Equity | 3.45 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.70 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 26.82% and return on invested capital (ROIC) is 5.72%.
| Return on Equity (ROE) | 26.82% |
| Return on Assets (ROA) | 5.60% |
| Return on Invested Capital (ROIC) | 5.72% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.07% |
| Revenue Per Employee | $996,126 |
| Profits Per Employee | $208,302 |
| Employee Count | 1,836 |
| Asset Turnover | 0.27 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $112.16 million in taxes.
| Income Tax | 112.16M |
| Effective Tax Rate | 22.68% |
Stock Price Statistics
The stock price has increased by +58.63% in the last 52 weeks. The beta is 1.28, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.28 |
| 52-Week Price Change | +58.63% |
| 50-Day Moving Average | 203.00 |
| 200-Day Moving Average | 183.39 |
| Relative Strength Index (RSI) | 41.25 |
| Average Volume (20 Days) | 319,620 |
Short Selling Information
The latest short interest is 1.89 million, so 7.59% of the outstanding shares have been sold short.
| Short Interest | 1.89M |
| Short Previous Month | 2.05M |
| Short % of Shares Out | 7.59% |
| Short % of Float | 7.94% |
| Short Ratio (days to cover) | 4.54 |
Income Statement
In the last 12 months, ENVA had revenue of $1.83 billion and earned $382.44 million in profits. Earnings per share was $14.48.
| Revenue | 1.83B |
| Gross Profit | 1.53B |
| Operating Income | 500.29M |
| Pretax Income | 494.60M |
| Net Income | 382.44M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $14.48 |
Balance Sheet
The company has $105.96 million in cash and $5.41 billion in debt, with a net cash position of -$5.30 billion or -$213.00 per share.
| Cash & Cash Equivalents | 105.96M |
| Total Debt | 5.41B |
| Net Cash | -5.30B |
| Net Cash Per Share | -$213.00 |
| Equity (Book Value) | 1.57B |
| Book Value Per Share | 63.47 |
| Working Capital | 6.87B |
Cash Flow
In the last 12 months, operating cash flow was $2.05 billion and capital expenditures -$46.69 million, giving a free cash flow of $2.01 billion.
| Operating Cash Flow | 2.05B |
| Capital Expenditures | -46.69M |
| Depreciation & Amortization | 29.72M |
| Net Borrowing | 1.27B |
| Free Cash Flow | 2.01B |
| FCF Per Share | $80.58 |
Margins
Gross margin is 83.66%, with operating and profit margins of 27.35% and 20.91%.
| Gross Margin | 83.66% |
| Operating Margin | 27.35% |
| Pretax Margin | 27.04% |
| Profit Margin | 20.91% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 109.70% |
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 |
| FCF Payout Ratio | n/a |
| Buyback Yield | 2.42% |
| Shareholder Yield | 2.42% |
| Earnings Yield | 8.19% |
| FCF Yield | 45.58% |
Analyst Forecast
The average price target for ENVA is $238.50, which is 34.91% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $238.50 |
| Price Target Difference | 34.91% |
| Analyst Consensus | Strong Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 51.50% |
| EPS Growth Forecast (3Y) | 22.80% |
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 |