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Enova International, Inc. ENVA
Financial Services - Financial - Credit Services - NYSE - US
Watchlist
$ 85.91
-6.78 %
$ 2.22 B
Market Cap
11.56
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one ENVA stock under the worst case scenario is HIDDEN Compared to the current market price of 85.9 USD, Enova International, Inc. is HIDDEN

ENVA Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one ENVA stock under the base case scenario is HIDDEN Compared to the current market price of 85.9 USD, Enova International, Inc. is HIDDEN

ENVA Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one ENVA stock under the best case scenario is HIDDEN Compared to the current market price of 85.9 USD, Enova International, Inc. is HIDDEN

ENVA Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ENVA

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1M -7.0%
6M 5%
1Y 37%
3Y 131%
5Y 474%
All
$120.0$120.0$115.0$115.0$110.0$110.0$105.0$105.0$100.0$100.0$95.0$95.0$90.0$90.0$85.0$85.0$80.0$80.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
2.66 B REVENUE
25.51%
Growth Rates
1Year 25.51%
3Years 30.06%
5Years 17.74%
7Years 17.81%
10Years 12.62%
585 M OPERATING INCOME
38.52%
Growth Rates
1Year 38.52%
3Years 12.28%
5Years 27.27%
7Years 23.37%
10Years 10.52%
209 M NET INCOME
19.60%
Growth Rates
1Year 19.60%
3Years -6.60%
5Years 41.74%
7Years 32.48%
10Years 6.49%
1.54 B OPERATING CASH FLOW
31.86%
Growth Rates
1Year 31.86%
3Years 48.29%
5Years 12.38%
7Years 19.31%
10Years 13.81%
-1.91 B INVESTING CASH FLOW
-27.87%
Growth Rates
1Year -27.87%
3Years -24.92%
5Years -16.63%
7Years -20.20%
10Years -20.13%
319 M FINANCING CASH FLOW
-39.44%
Growth Rates
1Year -39.44%
3Years -4.42%
5Years 27.27%
7Years 17.26%
10Years 19.69%
730 M REVENUE
5.74%
Growth Rates
1Year 25.51%
3Years 30.06%
5Years 17.74%
7Years 17.81%
10Years 12.62%
155 M OPERATING INCOME
0.96%
Growth Rates
1Year 38.52%
3Years 12.28%
5Years 27.27%
7Years 23.37%
10Years 10.52%
63.7 M NET INCOME
46.72%
Growth Rates
1Year 19.60%
3Years -6.60%
5Years 41.74%
7Years 32.48%
10Years 6.49%
431 M OPERATING CASH FLOW
8.02%
Growth Rates
1Year 31.86%
3Years 48.29%
5Years 12.38%
7Years 19.31%
10Years 13.81%
-579 M INVESTING CASH FLOW
-20.05%
Growth Rates
1Year -27.87%
3Years -24.92%
5Years -16.63%
7Years -20.20%
10Years -20.13%
217 M FINANCING CASH FLOW
225.04%
Growth Rates
1Year -39.44%
3Years -4.42%
5Years 27.27%
7Years 17.26%
10Years 19.69%
Balance Sheet Enova International, Inc.
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Current Assets 73.9 M
Cash & Short-Term Investments 73.9 M
Receivables 0
Other Current Assets 0
Non-Current Assets 461 M
Long-Term Investments 0
PP&E 138 M
Other Non-Current Assets 322 M
13.83 %25.85 %60.32 %Total Assets$534.5m
Current Liabilities 483 M
Accounts Payable 59 M
Short-Term Debt 233 M
Other Current Liabilities 191 M
Non-Current Liabilities 3.59 B
Long-Term Debt 3.36 B
Other Non-Current Liabilities 224 M
5.73 %4.69 %82.63 %5.49 %Total Liabilities$4.1b
EFFICIENCY
Earnings Waterfall Enova International, Inc.
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Revenue 2.66 B
Cost Of Revenue 1.42 B
Gross Profit 1.24 B
Operating Expenses 654 M
Operating Income 585 M
Other Expenses 375 M
Net Income 209 M
3b3b3b3b2b2b2b2b1b1b500m500m003b(1b)1b(654m)585m(375m)209mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
46.62% GROSS MARGIN
46.62%
Averages
1Year 46.62%
3Years 53.29%
5Years 58.69%
7Years 53.91%
10Years 52.74%
22.00% OPERATING MARGIN
22.00%
Averages
1Year 22.00%
3Years 21.35%
5Years 21.63%
7Years 19.93%
10Years 19.08%
7.88% NET MARGIN
7.88%
Averages
1Year 7.88%
3Years 9.37%
5Years 16.84%
7Years 14.48%
10Years 11.62%
17.50% ROE
17.50%
Averages
1Year 17.50%
3Years 16.37%
5Years 22.75%
7Years 23.98%
10Years 21.39%
3.98% ROA
3.98%
Averages
1Year 3.98%
3Years 4.43%
5Years 8.10%
7Years 7.70%
10Years 6.50%
158.80% ROIC
158.80%
Averages
1Year 158.80%
3Years 58.15%
5Years 38.25%
7Years 30.55%
10Years 24.17%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Enova International, Inc.
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2b2b1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 209 M
Depreciation & Amortization 40.2 M
Capital Expenditures -43.4 M
Stock-Based Compensation 31.8 M
Change in Working Capital -14 M
Others 1.11 B
Free Cash Flow 1.5 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Enova International, Inc.
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Wall Street analysts predict an average 1-year price target for ENVA of $92.7 , with forecasts ranging from a low of $62 to a high of $110 .
ENVA Lowest Price Target Wall Street Target
62 USD -27.83%
ENVA Average Price Target Wall Street Target
92.7 USD 7.86%
ENVA Highest Price Target Wall Street Target
110 USD 28.04%
Price
Max Price Target
Min Price Target
Average Price Target
12012011011010010090908080707060605050May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 4
6. Ownership
Insider Ownership Enova International, Inc.
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Sold
0-3 MONTHS
2.74 M USD 3
3-6 MONTHS
12.1 M USD 7
6-9 MONTHS
6.71 M USD 4
9-12 MONTHS
7.14 M USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
All You Need to Know About Enova International (ENVA) Rating Upgrade to Strong Buy Enova International (ENVA) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 weeks ago
Best Value Stocks to Buy for March 21st ENVA, CENX and BGC made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 21, 2025. zacks.com - 2 weeks ago
New Strong Buy Stocks for March 21st ASLE, STRL, BGC, ENVA and EME have been added to the Zacks Rank #1 (Strong Buy) List on March 21, 2025. zacks.com - 2 weeks ago
Enova Stock Falls 15.6% in a Month: Should You Buy Now or Wait? ENVA shares slide 15.6% in the past month. Let us find out whether its technology-driven loan growth and product diversification moves make it a lucrative bet. zacks.com - 2 weeks ago
Are Investors Undervaluing Enova International (ENVA) Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 weeks ago
Is Enova International (ENVA) a Solid Growth Stock? 3 Reasons to Think "Yes" Enova International (ENVA) possesses solid growth attributes, which could help it handily outperform the market. zacks.com - 3 weeks ago
Best Value Stocks to Buy for March 12th PAGS, ENVA and TAP made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 12, 2025. zacks.com - 3 weeks ago
Is Enova International (ENVA) Stock Undervalued Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
Enova International (ENVA) is an Incredible Growth Stock: 3 Reasons Why Enova International (ENVA) could produce exceptional returns because of its solid growth attributes. zacks.com - 1 month ago
New Report: New Year Brings Increased Optimism Around Growth Expectations for Main Street Businesses CHICAGO , Feb. 25, 2025 /PRNewswire/ -- Small businesses are increasingly optimistic about their growth expectations in 2025, according to the latest  Small Business Cash Flow Trend Report from OnDeck, the leading small business lending company at Enova (NYSE: ENVA) and Ocrolus, the document AI and cash flow analytics platform for lenders. Key findings include: Optimism and Growth: 94% of small businesses anticipate significant or moderate growth in 2025, a 2% increase compared to Q3 2024. prnewswire.com - 1 month ago
Enova International: How Deregulation Could Unlock New Growth Enova International, Inc. stands to benefit significantly from Trump's deregulatory agenda, including relaxed CFPB regulations and potential corporate tax cuts. Deregulation under Trump's first term led to substantial growth for Enova, with revenues rising from $745.6 million in 2016 to $1.175 billion in 2019. Trump's second term promises further regulatory rollbacks, including reinstating the True Lender rule and easing Dodd-Frank Act provisions, enhancing Enova's operational flexibility. seekingalpha.com - 1 month ago
Is Enova International (ENVA) a Great Value Stock Right Now? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 1 month ago
8. Profile Summary

Enova International, Inc. ENVA

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 2.22 B
Dividend Yield 0.00%
Description 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.
Contact 175 West Jackson Boulevard, Chicago, IL, 60604 https://www.enova.com
IPO Date Nov. 13, 2014
Employees 1787
Officers Mr. Joseph M. DeCosmo Chief Technology Officer & Chief Analytics Officer Mr. David A. Fisher J.D. President, Chief Executive Officer & Chairman Mr. Steven E. Cunningham C.F.A. Chief Financial Officer Mr. James Joseph Lee Chief Accounting Officer & Controller Mr. Sean Rahilly J.D. General Counsel, Secretary & Chief Compliance Officer Mr. Kirk L. F. Chartier Chief Strategy Officer Ms. Kelly Jordan Chief Marketing Officer Ms. Claudine Kourkoumelis Chief People Officer Mr. Nick Drew Managing Director Mr. Jim Granat Co-President of Small Business Lending