ENVA - NYSE
Enova International, Inc.
$158.90
-1.5%Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; 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, The Business Backer, Simplic, and Pangea names. Enova International, Inc. was incorporated in 2011 and is headquartered in Chicago, Illinois.
At a Glance
Live SnapshotEnova International, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
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DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.2B | $2.6B | $3.0B | $3.6B | $4.3B | $5.0B | $6.0B | $7.1B | $8.4B | $9.9B |
| Maintenance CapEx | -$11.2M | -$13.2M | -$15.7M | -$18.6M | -$22.0M | -$26.1M | -$31.0M | -$36.7M | -$43.5M | -$51.5M |
| Owner Earnings | $2.1B | $2.5B | $3.0B | $3.6B | $4.2B | $5.0B | $5.9B | $7.0B | $8.3B | $9.9B |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $2.0B | $2.2B | $2.4B | $2.6B | $2.9B | $3.2B | $3.5B | $3.8B | $4.2B | $4.6B |
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