Enova International, Inc.(ENVA) Stock Research - Grey Stern Research
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Enova International, Inc. (ENVA) Stock Analysis

$105.65 (-0.36%)

ENVA Financial Performance


Use the table below to view Enova International, Inc.'s financial profile. This data is gathers from the latest available financial statements. Annual data is taken from the trailing 12 months of statements. All numbers are reported in US Dollars and so any foreign currencies are converted to USD so comparison's can be done.

Based on Financial Statements from Q3 - 2024

Metric Value Ranking among Peers
Price $105.65 -
52 Week Low $43.21 -
52 Week High $108.15 -
Market Cap $2.8 Billion 1/6
Gross Margin 5% 6/6
Profit Margin 6% 4/6
EBITDA margin -2% 5/6
Q3 - 2024 Revenue $689.9 Million 1/6
Q3 - 2024 Earnings $43.4 Million 2/6
Q3 - 2024 Free Cash Flow $420.9 Million 1/6
Trailing 4 Quarters Revenue $2.5 Billion 1/6
Trailing 4 Quarters Earnings $180.5 Million 2/6
Quarterly Earnings Growth 5% 4/6
Annual Earnings Growth -3% 2/6
Quarterly Revenue Growth 25% 2/6
Annual Revenue Growth 23% 2/6
Cash On Hand $67.5 Million 4/6
Short Term Debt $0 2/6
Long Term Debt $3.3 Billion 1/6

Enova International, Inc. Financial Metrics


Financial metrics are a set of useful numbers that can give key performance indicators of a company. The various metrics can include information about profitability, growth, and debt load. When combined and use properly they can tell an analyst a compelling fact-based story of how the company is currently performing. To compare Enova International, Inc.'s metrics versus it's peers make sure to run our peer analysis tool.

Valuation Metrics

Metric Value Ranking among Peers
PE 15.34 1/6
PS 1.10 3/6
PB 1.89 1/6
PC 41.02 3/6
Liabilities to Equity 2.98 2/6
ROA 0.04 1/6
ROE 0.15 2/6
Current Ratio 1.42 2/6
Quick Ratio 0.02 4/6
Long Term Debt to Equity 2.79 1/6
Debt to Equity 2.79 1/6
Burn Rate 0.76 3/6
Cash to Cap 0.02 4/6
CCR 9.69 2/6
EV to EBITDA -526.98 6/6
EV to Revenue 2.39 2/6

Company Details

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.

CEO: Mr. David Fisher

Website: https://www.enova.com

Address: 175 W Jackson Blvd Ste 1000 Chicago, ILLINOIS

Exchange: New York Stock Exchange

Industry: Credit Services

Enova International, Inc. Peer Analysis


A useful and more reliable way of seeing the health of a company is to compare it to other companies operating in the same sector. Below is our list of companies which we rank are the closest peers to Enova International, Inc.. If you feel that peers should be added or removed from this list please contact us. To run an in-depth peer analysis which compares many financial metrics click on the link below.

Stock Ticker Market Cap
Customers Bancorp, Inc. CUBI $1.7 Billion
Encore Capital Group, Inc. ECPG $1.1 Billion
CURO Group Holdings Corp. CURO $2.9 Million
Employers Holdings, Inc. EIG $1.3 Billion
Regional Management Corp. RM $343.0 Million
Run Peer Analysis
Income Statement
Balance Sheet
Cash Flow Statement
ENVA Income Statements
Quarter Year Revenue Earnings
Q3 2024 $ 689.9 Million $43.4 Million
Q2 2024 $ 628.4 Million $53.9 Million
Q1 2024 $ 609.9 Million $48.4 Million
Q4 2023 $ 583.6 Million $34.8 Million
Q3 2023 $ 551.4 Million $41.3 Million
Q2 2023 $ 499.4 Million $48.1 Million
Q1 2023 $ 483.3 Million $50.9 Million
Q4 2022 $ 486.2 Million $50.9 Million

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ENVA Balance Sheets
Quarter Year Cash & Equivalents Total Assets Total Debt Total Equity
Q3 2024 $67.5 Million $5.0 Billion $3.3 Billion $1.2 Billion
Q2 2024 $271.3 Million $4.8 Billion $3.2 Billion $1.1 Billion
Q1 2024 $228.9 Million $4.6 Billion $3.1 Billion $1.2 Billion
Q4 2023 $54.4 Million $4.6 Billion $2.9 Billion $1.2 Billion
Q3 2023 $62.9 Million $4.1 Billion $2.5 Billion $1.3 Billion
Q2 2023 $100.0 Million $3.9 Billion $2.3 Billion $1.2 Billion
Q1 2023 $97.7 Million $3.8 Billion $2.3 Billion $1.2 Billion
Q4 2022 $100.2 Million $3.8 Billion $2.3 Billion $1.2 Billion

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ENVA Cash Flow Statements
Quarter Year freeCashFlow capitalExpenditure netChangeInCash
Q3 2024 $420.9 Million $22.3 Million -$16.9 Million
Q2 2024 $349.9 Million -$11.1 Million $42.4 Million
Q1 2024 $337.3 Million -$11.2 Million -$148.5 Million
Q4 2023 $51.3 Million $0 $51.3 Million
Q3 2023 $258.5 Million -$12.8 Million -$65.3 Million
Q2 2023 $289.1 Million -$10.3 Million -$26.7 Million
Q1 2023 $271.6 Million -$10.4 Million $110.0 Million
Q4 2022 $258.8 Million -$10.3 Million $6.3 Million

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