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

62.16USD+0.91 (+1.49%)Market Closed

Market Summary

USD62.16+0.91

Market Closed

1.49%

ENVA Alerts

2 major insider sales recently.

Big jump in Revenue (Y/Y)

ENVA Stock Price

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ENVA RSI Chart

ENVA Valuation

Market Cap

1.7B

Price/Earnings (Trailing)

9.77

Price/Sales (Trailing)

0.75

EV/EBITDA

9.66

Price/Free Cashflow

1.37

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

73.17%

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

-1.6%

Last 30 days

5.4%

Last 90 days

4.5%

Trailing 12 Months

34.2%

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)

13.12%

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
May 08, 2024	feehan daniel r	acquired	-	-	2,754	-
May 08, 2024	carnahan ellen	acquired	-	-	2,754	-
May 08, 2024	goodyear william m	acquired	-	-	2,754	-
May 08, 2024	kaplan gregg a.	acquired	-	-	2,754	-
May 08, 2024	mcgowan mark	acquired	-	-	2,754	-
May 08, 2024	gray james a	acquired	-	-	2,754	-
May 08, 2024	rice linda johnson	acquired	-	-	2,754	-
May 08, 2024	tebbe mark	acquired	-	-	2,754	-
May 07, 2024	fisher david	acquired	453,934	22.6967	20,000	chief executive officer
May 07, 2024	fisher david	sold	-1,254,400	62.7198	-20,000	chief executive officer

Which funds bought or sold ENVA recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	added	13.56	1,660,790	7,409,980	-%
May 16, 2024	HANCOCK WHITNEY CORP	reduced	-2.24	128,885	1,306,240	0.04%
May 16, 2024	COMERICA BANK	reduced	-11.67	1,923	765,835	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-7.84	82,028	1,867,060	-%
May 15, 2024	NORTHWESTERN MUTUAL WEALTH MANAGEMENT CO	new	-	2,136	2,136	-%
May 15, 2024	Portolan Capital Management, LLC	added	38.59	2,826,420	7,760,320	0.59%
May 15, 2024	AMUNDI	added	1,189	2,838,010	3,058,640	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-23.76	-1,058,030	6,796,010	-%
May 15, 2024	Royal Bank of Canada	reduced	-35.03	-467,000	1,314,000	-%
May 15, 2024	Voya Investment Management LLC	reduced	-7.22	98,279	1,951,120	-%

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
May 17, 2024	4	Insider Trading
May 17, 2024	8-K	Current Report
May 16, 2024	4	Insider Trading
May 15, 2024	144	Notice of Insider Sale Intent
May 14, 2024	144	Notice of Insider Sale Intent
May 14, 2024	144/A	144/A
May 14, 2024	144/A	144/A
May 13, 2024	4	Insider Trading
May 10, 2024	4	Insider Trading
May 10, 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	429.4B	25.7B	0.06%	17.45%	36.25	16.71	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.21	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	180.8M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-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	-18.9%	40.00	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	10.9%	349	314	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	2.7%	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

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ENVA Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Income Statement [Abstract]
Revenue	$ 609,889	$ 483,256
Change in Fair Value	(264,023)	(197,366)
Net Revenue	345,866	285,890
Operating Expenses
Marketing	110,567	79,755
Operations and technology	54,379	49,169
General and administrative	39,865	37,158
Depreciation and amortization	10,263	10,540
Total Operating Expenses	215,074	176,622
Income from Operations	130,792	109,268
Interest expense, net	(65,597)	(43,321)
Foreign currency transaction loss	(48)	(171)
Equity method investment loss		(6)
Other nonoperating expenses	(492)	(133)
Income before Income Taxes	64,655	65,637
Provision for income taxes	16,227	14,714
Net income	$ 48,428	$ 50,923
Earnings per common share:
Basic	$ 1.72	$ 1.62
Diluted	$ 1.64	$ 1.56
Weighted average common shares outstanding:
Basic	28,196	31,341
Diluted	29,503	32,711

ENVA Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($)
$ in Thousands

Mar. 31, 2024

Dec. 31, 2023

Mar. 31, 2023

Assets

Cash and cash equivalents

^[1]

$ 76,458

$ 54,357

$ 97,680

Restricted cash

^[1]

152,469

323,082

190,713

Loans and finance receivables at fair value

^[1]

3,795,210

3,629,167

3,003,366

Income taxes receivable

85,424

44,129

37,884

Other receivables and prepaid expenses

^[1]

65,963

71,982

55,478

Property and equipment, net

111,678

108,705

95,413

Operating lease right-of-use assets

13,651

14,251

12,398

Goodwill

279,275

Intangible assets, net

16,991

19,005

25,046

Other assets

^[1]

39,408

41,583

49,739

Total assets

4,636,527

4,585,536

3,846,992

Liabilities and Stockholders’ Equity

Accounts payable and accrued expenses

^[1]

290,603

261,156

177,869

Operating lease liabilities

26,959

27,042

25,695

Deferred tax liabilities, net

127,887

113,350

108,294

Long-term debt

^[1]

3,040,867

2,943,805

2,314,381

Total liabilities

3,486,316

3,345,353

2,626,239

Commitments and contingencies (Note 7)

Stockholders’ equity:

Common stock, $0.00001 par value, 250,000,000 shares authorized, 46,193,337, 44,917,916 and 45,339,814 shares issued and 27,349,818, 31,334,875 and 29,089,258 outstanding as of March 31, 2024 and 2023 and December 31, 2023, respectively

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

Additional paid in capital

298,191

284,256

258,806

Retained earnings

1,536,734

1,488,306

1,364,108

Accumulated other comprehensive loss

(7,234)

(6,264)

(7,337)

Treasury stock, at cost (18,843,519, 13,583,041 and 16,250,556 shares as of March 31, 2024 and 2023 and December 31, 2023, respectively)

(677,480)

(526,115)

(394,824)

Total stockholders' equity

1,150,211

1,240,183

1,220,753

Total liabilities and stockholders’ equity

$ 4,636,527

$ 4,585,536

$ 3,846,992

[1]	Includes amounts in wholly-owned, bankruptcy-remote special purpose subsidiaries (“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 Fri May 17 2024, market cap of Enova International Inc is 1.69 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 Fri May 17 2024, ENVA's PE ratio (Price to Earnings) is 9.77 and Price to Sales (PS) ratio is 0.75. 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.