Enova International Statistics
Total Valuation
ENVA has a market cap or net worth of $2.68 billion. The enterprise value is $6.61 billion.
Important Dates
The last earnings date was Thursday, July 24, 2025, after market close.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
ENVA has 25.01 million shares outstanding. The number of shares has decreased by -8.92% in one year.
| Current Share Class | 25.01M |
| Shares Outstanding | 25.01M |
| Shares Change (YoY) | -8.92% |
| Shares Change (QoQ) | -1.69% |
| Owned by Insiders (%) | 4.64% |
| Owned by Institutions (%) | 97.31% |
| Float | 23.83M |
Valuation Ratios
The trailing PE ratio is 11.42 and the forward PE ratio is 8.29.
| PE Ratio | 11.42 |
| Forward PE | 8.29 |
| PS Ratio | 2.03 |
| Forward PS | 0.78 |
| PB Ratio | 2.18 |
| P/TBV Ratio | 2.84 |
| P/FCF Ratio | 1.65 |
| P/OCF Ratio | 1.60 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 25.79 |
| EV / Sales | 4.85 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 4.07 |
Financial Position
The company has a current ratio of 20.43, with a Debt / Equity ratio of 3.25.
| Current Ratio | 20.43 |
| Quick Ratio | 19.18 |
| Debt / Equity | 3.25 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.46 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 21.56%.
| Return on Equity (ROE) | 21.56% |
| Return on Assets (ROA) | 4.86% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $763,187 |
| Profits Per Employee | $143,370 |
| Employee Count | 1,787 |
| Asset Turnover | 0.26 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, ENVA has paid $68.76 million in taxes.
| Income Tax | 68.76M |
| Effective Tax Rate | 21.16% |
Stock Price Statistics
The stock price has increased by +33.24% in the last 52 weeks. The beta is 1.48, so ENVA's price volatility has been higher than the market average.
| Beta (5Y) | 1.48 |
| 52-Week Price Change | +33.24% |
| 50-Day Moving Average | 106.52 |
| 200-Day Moving Average | 101.01 |
| Relative Strength Index (RSI) | 49.84 |
| Average Volume (20 Days) | 382,608 |
Short Selling Information
The latest short interest is 1.98 million, so 7.92% of the outstanding shares have been sold short.
| Short Interest | 1.98M |
| Short Previous Month | 2.33M |
| Short % of Shares Out | 7.92% |
| Short % of Float | 8.31% |
| Short Ratio (days to cover) | 5.48 |
Income Statement
In the last 12 months, ENVA had revenue of $1.36 billion and earned $256.20 million in profits. Earnings per share was $9.37.
| Revenue | 1.36B |
| Gross Profit | 1.12B |
| Operating Income | 347.70M |
| Pretax Income | 235.06M |
| Net Income | 256.20M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.37 |
Full Income StatementBalance Sheet
The company has $64.12 million in cash and $4.00 billion in debt, giving a net cash position of -$3.93 billion or -$157.20 per share.
| Cash & Cash Equivalents | 64.12M |
| Total Debt | 4.00B |
| Net Cash | -3.93B |
| Net Cash Per Share | -$157.20 |
| Equity (Book Value) | 1.23B |
| Book Value Per Share | 49.01 |
| Working Capital | 5.00B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $1.67 billion and capital expenditures -$45.21 million, giving a free cash flow of $1.62 billion.
| Operating Cash Flow | 1.67B |
| Capital Expenditures | -45.21M |
| Free Cash Flow | 1.62B |
| FCF Per Share | $64.86 |
Full Cash Flow StatementMargins
Gross margin is 82.32%, with operating and profit margins of 25.49% and 18.79%.
| Gross Margin | 82.32% |
| Operating Margin | 25.49% |
| Pretax Margin | 23.83% |
| Profit Margin | 18.79% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 118.96% |
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 | 8.92% |
| Shareholder Yield | 8.92% |
| Earnings Yield | 9.57% |
| FCF Yield | 60.63% |
Dividend DetailsAnalyst Forecast
The average price target for ENVA is $126.33, which is 18.09% higher than the current price. The consensus rating is "Buy".
| Price Target | $126.33 |
| Price Target Difference | 18.09% |
| Analyst Consensus | 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 | 6 |