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XNYSENVA
Market cap2.49bUSD
Jan 10, Last price  
95.04USD
1D
-3.21%
1Q
10.54%
Jan 2017
657.29%
IPO
233.83%
Name

Enova International Inc

Chart & Performance

D1W1MN
XNYS:ENVA chart
P/E
14.22
P/S
1.18
EPS
6.68
Div Yield, %
0.00%
Shrs. gr., 5y
-1.92%
Rev. gr., 5y
13.71%
Revenues
2.12b
+21.98%
133,951,000198,151,000260,746,000660,928,000765,323,000809,837,000652,600,000745,569,000843,741,0001,114,074,0001,174,757,0001,083,710,0001,207,932,0001,736,085,0002,117,639,000
Net income
175m
-15.57%
17,703,00024,821,00037,032,00058,872,00078,038,000111,671,00043,992,00034,602,00029,240,00070,098,000128,016,000377,844,000256,295,000207,424,000175,121,000
CFO
1.17b
+30.52%
150,880,000218,454,000257,940,000375,508,000438,298,000422,067,000283,921,000393,373,000447,173,000684,840,000858,235,000740,871,000471,868,000893,998,0001,166,869,000
Earnings
Jan 28, 2025

Profile

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.
URL
https://www.enova.com/
IPO date
Oct 30, 2014
Employees
1,804
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
2,117,639
21.98%
1,736,085
43.72%
Cost of revenue
1,657,221
1,141,558
Unusual Expense (Income)
NOPBT
460,418
594,527
NOPBT Margin
21.74%
34.25%
Operating Taxes
52,126
65,150
Tax Rate
11.32%
10.96%
NOPAT
408,292
529,377
Net income
175,121
-15.57%
207,424
-19.07%
Dividends
Dividend yield
Proceeds from repurchase of equity
(153,187)
(138,831)
BB yield
8.67%
10.81%
Debt
Debt current
22,343
31,788
Long-term debt
2,997,889
2,325,850
Deferred revenue
(176,038)
Other long-term liabilities
176,038
Net debt
2,965,875
2,213,749
Cash flow
Cash from operating activities
1,166,869
893,998
CAPEX
(45,241)
(43,629)
Cash from investing activities
(1,494,658)
(1,666,270)
Cash from financing activities
526,541
724,866
FCF
(319,415)
(521,230)
Balance
Cash
54,357
100,165
Long term investments
43,724
Excess cash
57,085
Stockholders' equity
1,482,042
4,756,517
Invested Capital
4,233,373
3,453,103
ROIC
10.62%
17.98%
ROCE
10.59%
16.45%
EV
Common stock shares outstanding
31,921
33,483
Price
55.36
44.28%
38.37
-6.32%
Market cap
1,767,147
37.55%
1,284,743
-16.88%
EV
4,733,022
6,947,814
EBITDA
498,575
631,394
EV/EBITDA
9.49
11.00
Interest
194,779
115,887
Interest/NOPBT
42.30%
19.49%