ENVA - Enova International Inc Stock Price, Fair Value and News

63.57USD-0.75 (-1.17%)Market Closed

Market Summary

USD63.57-0.75

Market Closed

-1.17%

ENVA Stock Price

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ENVA RSI Chart

ENVA Valuation

Market Cap

1.7B

Price/Earnings (Trailing)

9.62

Price/Sales (Trailing)

0.74

EV/EBITDA

9.61

Price/Free Cashflow

1.38

ENVA Price/Sales (Trailing)

ENVA Profitability

Operating Margin

73.14%

EBT Margin

10.08%

Return on Equity

15.01%

Return on Assets

3.72%

Free Cashflow Yield

72.5%

ENVA Fundamentals

ENVA Revenue

Revenue (TTM)

2.2B

Rev. Growth (Yr)

26.2%

Rev. Growth (Qtr)

4.51%

ENVA Earnings

Earnings (TTM)

172.6M

Earnings Growth (Yr)

-4.9%

Earnings Growth (Qtr)

39.29%

Breaking Down ENVA Revenue

Last 7 days

7.8%

Last 30 days

4.8%

Last 90 days

10.7%

Trailing 12 Months

33.3%

How does ENVA drawdown profile look like?

ENVA Financial Health

Current Ratio

6.88

Debt/Equity

2.64

Debt/Cashflow

0.41

ENVA Investor Care

Dividend Yield

6.11%

Dividend/Share (TTM)

3.71

Buy Backs (1Y)

12.72%

Diluted EPS (TTM)

5.57

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	2.2B	0	0	0
2023	1.8B	1.9B	2.0B	2.1B
2022	1.3B	1.5B	1.6B	1.7B
2021	773.0M	784.6M	900.2M	1.2B
2020	1.3B	1.3B	1.2B	875.8M
2019	1.0B	1.1B	1.1B	1.2B
2018	870.8M	900.2M	939.6M	972.6M
2017	763.2M	780.5M	802.5M	843.7M
2016	661.6M	687.8M	718.5M	745.6M
2015	767.0M	711.8M	671.9M	652.6M
2014	791.5M	816.8M	823.9M	809.8M
2013	687.0M	713.1M	739.2M	765.3M
2012	0	0	0	660.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Enova International Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Feb 28, 2024	rice linda johnson	sold	-310,578	62.1157	-5,000	-
Feb 20, 2024	rahilly sean	sold	-362,580	60.00	-6,043	general counsel and secretary
Feb 16, 2024	rahilly sean	sold	-141,770	60.4047	-2,347	general counsel and secretary
Feb 11, 2024	lee james joseph	sold (taxes)	-16,717	55.54	-301	chief accounting officer
Feb 11, 2024	cunningham steven e	sold (taxes)	-187,559	55.54	-3,377	chief financial officer
Feb 11, 2024	fisher david	sold (taxes)	-701,137	55.54	-12,624	chief executive officer
Feb 11, 2024	chartier kirk	sold (taxes)	-156,623	55.54	-2,820	chief strategy officer
Feb 11, 2024	rahilly sean	sold (taxes)	-76,200	55.54	-1,372	general counsel and secretary
Feb 09, 2024	cunningham steven e	sold	-984,648	56.1117	-17,548	chief financial officer
Feb 09, 2024	cunningham steven e	sold (taxes)	-367,230	55.54	-6,612	chief financial officer

Which funds bought or sold ENVA recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	Livforsakringsbolaget Skandia, Omsesidigt	unchanged	-	236,819	1,976,000	0.17%
Apr 23, 2024	FIFTH THIRD BANCORP	added	5.13	1,251	7,728	-%
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-3.36	79,888	904,752	0.02%
Apr 23, 2024	AMALGAMATED BANK	reduced	-17.11	-36,000	572,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	reduced	-2.81	46,637	854,758	0.01%
Apr 19, 2024	DENALI ADVISORS LLC	sold off	-100	-4,844,000	-	-%
Apr 19, 2024	Maryland State Retirement & Pension System	reduced	-3.45	16,716	617,704	0.01%
Apr 19, 2024	Cutler Group LLC / CA	reduced	-38.65	-6,000	12,000	-%
Apr 19, 2024	State of Alaska, Department of Revenue	reduced	-3.56	96,000	1,113,000	0.01%
Apr 18, 2024	Allspring Global Investments Holdings, LLC	added	9.75	85,472	433,464	-%

Are Funds Buying or Selling ENVA?

Are funds buying ENVA calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own ENVA

No. of Funds

Unveiling Enova International Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	683 capital management, llc	1.9%	580,000	SC 13G/A
Feb 13, 2024	vanguard group inc	6.80%	2,032,174	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	7.4%	2,196,612	SC 13G/A
Jan 19, 2024	blackrock inc.	19.1%	5,718,237	SC 13G/A
Feb 14, 2023	683 capital management, llc	8.0%	2,510,000	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	7.1%	2,220,219	SC 13G
Feb 09, 2023	vanguard group inc	7.09%	2,230,322	SC 13G/A
Jan 26, 2023	blackrock inc.	18.8%	5,918,488	SC 13G/A
Jan 20, 2023	blackrock inc.	18.8%	5,918,488	SC 13G
Feb 08, 2022	dimensional fund advisors lp	4.9%	1,776,531	SC 13G/A

Recent SEC filings of Enova International Inc

View All Filings

Date Filed	Form Type	Document
Apr 24, 2024	10-Q	Quarterly Report
Apr 23, 2024	8-K	Current Report
Mar 28, 2024	ARS	ARS
Mar 28, 2024	DEF 14A	DEF 14A
Mar 28, 2024	DEFA14A	DEFA14A
Mar 08, 2024	4	Insider Trading
Mar 07, 2024	144	Notice of Insider Sale Intent
Mar 07, 2024	144	Notice of Insider Sale Intent
Mar 06, 2024	144	Notice of Insider Sale Intent
Mar 06, 2024	4	Insider Trading

Peers (Alternatives to Enova International Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	436.4B	25.1B	-2.88%	25.45%	38.98	17.39	12.87%	12.74%
AXP	166.1B	62.0B	5.79%	53.16%	18.47	2.68	11.96%	24.39%
PYPL	69.5B	29.8B	-1.76%	-9.67%	16.37	2.33	8.19%	75.53%
COF	56.6B	41.9B	5.91%	56.77%	11.47	1.35	34.26%	32.87%
DFS	32.3B	17.8B	3.03%	26.80%	10.94	1.81	38.72%	-32.51%
ALLY	12.1B	14.0B	0.84%	55.43%	11.85	0.87	31.42%	-40.49%
MID-CAP
CACC	6.4B	1.9B	-4.80%	9.92%	22.5	3.38	3.79%	-46.60%
FCFS	6.0B	3.2B	7.51%	37.67%	27.16	1.89	15.50%	-13.49%
WU	4.4B	4.4B	-0.66%	26.77%	7.17	1.01	0.29%	-19.79%
NNI	3.6B	1.1B	2.92%	1.17%	38.81	3.2	8.54%	-77.53%
SMALL-CAP
ENVA	1.7B	2.2B	4.80%	33.33%	9.62	0.74	22.40%	-16.16%
ATLC	359.1M	1.2B	-16.29%	-10.91%	3.49	0.31	10.41%	-24.15%
CPSS	186.8M	352.0M	17.24%	-6.46%	4.12	0.53	6.77%	-47.27%
AIHS	7.8M	7.3M	-18.81%	-5.75%	-2.03	1.07	-51.06%	-195.09%
CURO	3.7M	853.2M	-40.00%	-95.05%	-0.01	0	-15.13%	-1364.54%

Enova International Inc News

Latest updates

Enova International Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	4.5%	610	584	551	499	483	486	456	408	386	364	320	265	259	56.00	205	253	362	345	306	259	264
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	198	162	123	119
Gross Profit	6.4%	346	325	320	299	286	290	294	265	269	280	246	259	238	244	182	132	127	147	143	136	146
Operating Expenses	-5.5%	215	227	216	188	177	185	196	175	178	200	160	136	115	123	60.00	46.00	97.00	87.00	86.00	78.00	73.00
S&GA Expenses	-100.0%	-	49.00	38.00	36.00	37.00	35.00	37.00	34.00	35.00	41.00	34.00	39.00	44.00	57.00	34.00	22.00	28.00	25.00	27.00	28.00	29.00
EBITDA Margin	-1.3%	0.21*	0.22*	0.23*	0.24*	0.24*	0.24*	0.25*	0.26*	0.31*	0.37*	0.72*	0.87*	-	-	-	-	-	-	-	-	-
Interest Expenses	14.7%	66.00	57.00	49.00	46.00	43.00	38.00	31.00	25.00	22.00	19.00	18.00	19.00	20.00	27.00	19.00	20.00	20.00	131	-18.23	-18.12	-19.50
Income Taxes	136.5%	16.00	7.00	14.00	17.00	15.00	16.00	16.00	17.00	16.00	12.00	17.00	23.00	28.00	26.00	10.00	18.00	3.00	10.00	10.00	9.00	12.00
Earnings Before Taxes	55.3%	65.00	42.00	55.00	65.00	66.00	67.00	68.00	70.00	68.00	61.00	68.00	104	104	257	103	66.00	9.00	40.00	39.00	40.00	51.00
EBT Margin	-6.0%	0.10*	0.11*	0.13*	0.14*	0.15*	0.16*	0.17*	0.18*	0.23*	0.28*	0.59*	0.72*	-	-	-	-	-	-	-	-	-
Net Income	39.3%	48.00	35.00	41.00	48.00	51.00	51.00	52.00	52.00	52.00	49.00	52.00	80.00	76.00	15.00	94.00	48.00	5.00	-50.55	27.00	25.00	35.00
Net Income Margin	-7.0%	0.08*	0.08*	0.09*	0.10*	0.11*	0.12*	0.13*	0.14*	0.17*	0.21*	0.25*	0.34*	-	-	-	-	-	-	-	-	-
Free Cashflow	11.2%	341	307	264	292	274	261	225	231	146	139	98.00	96.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.1%	4,637	4,586	4,103	3,908	3,847	3,781	3,509	1,532	3,047	2,761	2,467	2,395	2,134	2,108	1,634	1,579	1,733	1,574	1,507	1,390	1,345
Cash Equivalents	40.7%	76.00	54.00	63.00	100	98.00	100	88.00	0.00	132	165	229	394	324	297	490	321	161	36.00	29.00	34.00	58.00
Net PPE	2.8%	112	109	104	99.00	95.00	93.00	89.00	89.00	81.00	78.00	81.00	80.00	79.00	79.00	63.00	60.00	56.00	55.00	51.00	49.00	47.00
Goodwill	0%	279	279	279	279	279	279	279	279	279	279	279	279	11.00	268	268	268	268	267	267	267	267
Liabilities	4.2%	3,486	3,345	2,842	2,659	2,626	2,595	2,363	1,137	1,969	1,668	1,333	1,300	1,128	1,189	1,060	1,103	1,295	1,198	1,073	984	965
Long Term Debt	3.3%	3,041	2,944	2,443	2,297	2,314	2,259	2,060	1,130	1,697	1,384	1,075	1,028	410	946	863	907	1,092	991	874	786	792
Shareholder's Equity	-7.3%	1,150	1,240	1,261	1,249	1,221	1,186	1,146	1,108	1,078	1,093	1,133	1,095	1,006	919	574	476	438	377	434	406	379
Retained Earnings	3.3%	1,537	1,488	1,454	1,412	1,364	1,313	1,262	1,211	1,158	1,106	1,057	1,006	925	849	619	525	477	373	423	396	371
Additional Paid-In Capital	4.9%	298	284	274	266	259	252	245	239	233	226	217	212	204	188	75.00	71.00	67.00	64.00	61.00	57.00	52.00
Shares Outstanding	-6.0%	27.00	29.00	30.00	31.00	31.00	31.00	32.00	32.00	33.00	36.00	36.00	37.00	-	-	-	-	-	-	-	-	-
Minority Interest	-	-	-	-	-	-	-	-	-	-	-	1.00	1.00	1.00	1.00	-	-	-	-	-	-	-
Float	-	-	-	-	1,583,653	-	-	-	899	-	-	-	1,230	-	-	-	433	-	-	-	762	-

Cashflow (Last 12 Months)

(In Millions)

Cashflow (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	10.9%	349	314	271	299	282	269	233	239	154	147	105	103	117	118	140	231	253	243	191	194	221
Share Based Compensation	2.4%	8.00	7.00	7.00	6.00	6.00	6.00	5.00	5.00	5.00	5.00	5.00	5.00	6.00	7.00	4.00	4.00	3.00	2.00	3.00	3.00	3.00
Cashflow From Investing	21.7%	-443	-566	-444	-278	-205	-441	-473	-364	-386	-458	-294	-182	-44.45	66.00	74.00	130	-186	-354	-267	-214	-104
Cashflow From Financing	-112.5%	-53.97	433	109	-48.62	34.00	179	199	113	235	250	31.00	152	-67.66	-349	-44.21	-199	57.00	93.00	86.00	-5.91	-77.91
Buy Backs	126.7%	151	67.00	36.00	28.00	22.00	19.00	20.00	26.00	79.00	97.00	16.00	2.00	3.00	2.00	0.00	13.00	42.00	23.00	2.00	1.00	8.00

ENVA Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands, $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Income Statement [Abstract]
Revenue	$ 2,117,639	$ 1,736,085	$ 1,207,932
Change in Fair Value	(887,717)	(618,521)	(183,672)
Net Revenue	1,229,922	1,117,564	1,024,260
Operating Expenses
Marketing	414,460	382,573	271,160
Operations and technology	194,905	173,668	147,700
General and administrative	160,265	140,464	156,962
Depreciation and amortization	38,157	36,867	35,375
Total Operating Expenses	807,787	733,572	611,197
Income from Operations	422,135	383,992	413,063
Interest expense, net	(194,779)	(115,887)	(76,509)
Foreign currency transaction gain (loss), net	57	(645)	(382)
Equity method investment income	116	6,435	2,953
Other nonoperating expenses	(282)	(1,321)	(1,970)
Income before Income Taxes	227,247	272,574	337,155
Provision for income taxes	52,126	65,150	80,087
Net income before noncontrolling interest	175,121	207,424	257,068
Less: Net income attributable to noncontrolling interest			773
Net income attributable to Enova International, Inc.	$ 175,121	$ 207,424	$ 256,295
Earnings per common share
Basic	$ 5.71	$ 6.42	$ 7.05
Diluted	$ 5.49	$ 6.19	$ 6.79
Weighted average common shares outstanding:
Basic	30,673	32,290	36,351
Diluted	31,921	33,483	37,736

ENVA Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands

Dec. 31, 2023

Dec. 31, 2022

Assets

Cash and cash equivalents

^[1]

$ 54,357

$ 100,165

Restricted cash

^[1]

323,082

78,235

Loans and finance receivables at fair value

^[1]

3,629,167

3,018,528

Income taxes receivable

44,129

43,741

Other receivables and prepaid expenses

^[1]

71,982

66,267

Property and equipment, net

108,705

93,228

Operating lease right-of-use asset

14,251

19,347

Goodwill

279,275

Intangible assets, net

19,005

27,390

Other assets

^[1]

41,583

54,713

Total assets

4,585,536

3,780,889

Liabilities and Stockholders' Equity

Accounts payable and accrued expenses

^[1]

261,156

198,320

Operating lease liability

27,042

33,595

Deferred tax liabilities, net

113,350

104,169

Long-term debt

^[1]

2,943,805

2,258,660

Total liabilities

3,345,353

2,594,744

Commitments and contingencies (Note 11)

Stockholders' equity:

Common stock, $0.00001 par value, 250,000,000 shares authorized, 45,339,814 and 44,326,999 shares issued 29,089,258 and 31,220,928 outstanding as of December 31, 2023 and 2022, respectively

Preferred stock, $0.00001 par value, 25,000,000 shares authorized, no shares issued and outstanding

Additional paid in capital

284,256

251,878

Retained earnings

1,488,306

1,313,185

Accumulated other comprehensive loss

(6,264)

(5,990)

Treasury stock, at cost (16,250,556 and 13,106,071 shares as of December 31, 2023 and 2022, respectively)

(526,115)

(372,928)

Total stockholders' equity

1,240,183

1,186,145

Total liabilities and stockholders' equity

$ 4,585,536

$ 3,780,889

[1]	Includes amounts in consolidated variable interest entities (“VIEs”) presented separately in the table below.

About Enova International Inc

Enova International, Inc. operates as a financial services company with online lending that serves small businesses and consumers who are underserved by traditional banks. The company offers installment loans; line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea names. The company, through its analytics and machine learning algorithms, serves approximately 8 million customers. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.

CEO	Mr. David A. Fisher J.D.
WEBSITE	enova.com
INDUSTRY	Credit Services
EMPLOYEES	1804

Enova International Inc Frequently Asked Questions

What is the ticker symbol for Enova International Inc? What does ENVA stand for in stocks?

ENVA is the stock ticker symbol of Enova International Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Enova International Inc (ENVA)?

As of Wed Apr 24 2024, market cap of Enova International Inc is 1.79 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of ENVA stock?

You can check ENVA's fair value in chart for subscribers.

What is the fair value of ENVA stock?

You can check ENVA's fair value in chart for subscribers. The fair value of Enova International Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Enova International Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for ENVA so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Enova International Inc a good stock to buy?

The fair value guage provides a quick view whether ENVA is over valued or under valued. Whether Enova International Inc is cheap or expensive depends on the assumptions which impact Enova International Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for ENVA.

What is Enova International Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Apr 24 2024, ENVA's PE ratio (Price to Earnings) is 10.23 and Price to Sales (PS) ratio is 0.85. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. ENVA PE ratio will change depending on the future growth rate expectations of investors.