Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $4.20 billion. The enterprise value is $8.96 billion.
Important Dates
The last earnings date was Thursday, April 23, 2026, after market close.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 24.88 million shares outstanding. The number of shares has decreased by -3.68% in one year.
| Current Share Class | 24.88M |
| Shares Outstanding | 24.88M |
| Shares Change (YoY) | -3.68% |
| Shares Change (QoQ) | -0.03% |
| Owned by Insiders (%) | 4.57% |
| Owned by Institutions (%) | 91.70% |
| Float | 23.73M |
Valuation Ratios
The trailing PE ratio is 13.74 and the forward PE ratio is 9.90.
| PE Ratio | 13.74 |
| Forward PE | 9.90 |
| PS Ratio | 2.66 |
| Forward PS | 1.06 |
| PB Ratio | 3.00 |
| P/TBV Ratio | 3.75 |
| P/FCF Ratio | 2.26 |
| P/OCF Ratio | 2.21 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 27.43 |
| EV / Sales | 5.67 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.82 |
Financial Position
The company has a current ratio of 22.71, with a Debt / Equity ratio of 3.47.
| Current Ratio | 22.71 |
| Quick Ratio | 21.56 |
| Debt / Equity | 3.47 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.62 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 25.13% and return on invested capital (ROIC) is 5.40%.
| Return on Equity (ROE) | 25.13% |
| Return on Assets (ROA) | 5.29% |
| Return on Invested Capital (ROIC) | 5.40% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.35% |
| Revenue Per Employee | $860,681 |
| Profits Per Employee | $177,856 |
| Employee Count | 1,836 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $96.33 million in taxes.
| Income Tax | 96.33M |
| Effective Tax Rate | 22.78% |
Stock Price Statistics
The stock price has increased by +78.45% in the last 52 weeks. The beta is 1.33, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.33 |
| 52-Week Price Change | +78.45% |
| 50-Day Moving Average | 149.92 |
| 200-Day Moving Average | 136.28 |
| Relative Strength Index (RSI) | 58.11 |
| Average Volume (20 Days) | 272,447 |
Short Selling Information
The latest short interest is 1.92 million, so 7.71% of the outstanding shares have been sold short.
| Short Interest | 1.92M |
| Short Previous Month | 1.95M |
| Short % of Shares Out | 7.71% |
| Short % of Float | 8.09% |
| Short Ratio (days to cover) | 9.29 |
Income Statement
In the last 12 months, ENVA had revenue of $1.58 billion and earned $326.54 million in profits. Earnings per share was $12.29.
| Revenue | 1.58B |
| Gross Profit | 1.31B |
| Operating Income | 431.04M |
| Pretax Income | 422.87M |
| Net Income | 326.54M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $12.29 |
Full Income StatementBalance Sheet
The company has $110.45 million in cash and $4.86 billion in debt, with a net cash position of -$4.75 billion or -$191.03 per share.
| Cash & Cash Equivalents | 110.45M |
| Total Debt | 4.86B |
| Net Cash | -4.75B |
| Net Cash Per Share | -$191.03 |
| Equity (Book Value) | 1.40B |
| Book Value Per Share | 56.25 |
| Working Capital | 6.13B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.90 billion and capital expenditures -$45.02 million, giving a free cash flow of $1.86 billion.
| Operating Cash Flow | 1.90B |
| Capital Expenditures | -45.02M |
| Depreciation & Amortization | 34.15M |
| Net Borrowing | 1.07B |
| Free Cash Flow | 1.86B |
| FCF Per Share | $74.64 |
Full Cash Flow StatementMargins
Gross margin is 82.82%, with operating and profit margins of 27.28% and 20.66%.
| Gross Margin | 82.82% |
| Operating Margin | 27.28% |
| Pretax Margin | 26.76% |
| Profit Margin | 20.66% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 117.55% |
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 | 3.68% |
| Shareholder Yield | 3.68% |
| Earnings Yield | 7.77% |
| FCF Yield | 44.19% |
Analyst Forecast
The average price target for ENVA is $185.71, which is 9.95% higher than the current price. The consensus rating is "Strong Buy".
| Price Target | $185.71 |
| Price Target Difference | 9.95% |
| Analyst Consensus | Strong 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 | 5 |
