Enova International, Inc.

Enova International, Inc.

181.18
USD
+6.08
(+3.47%)
14.51EPS
10.86P/E
4.13BMarket Cap
Feb 04Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
23.19
24.54
19.77
22.46
21.74
28.61
34.84
33.98
33.23
53.77
69.04
98.73
125.22
147
Basic EPS, GAAP
2.36
3.38
1.33
1.04
0.87
2.06
1.09
11.85
7.05
6.42
5.71
7.78
12.25
15.39
Free Cash Flow per Basic Share
12.83
12.63
7.63
11.42
12.89
19.72
24.58
22.3
12.16
26.34
38.04
57.15
72.28
82.62
Dividend per Share
- -
3.71
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
5.24
4.67
6.22
7.26
8.41
10.35
11.42
25.65
32.01
37.99
42.63
46.38
54.08
63.47
Tangible Book Value per Share
-2.51
-3.09
-2.04
-0.92
0.31
2.31
3.26
17.43
22.8
28.17
32.38
35.13
42.64
52.09
Basic Weighted Avg Shares
33
33
33
33
34
34
34
32
36
32
31
27
25
25
Sales/Revenue/Turnover
765
810
653
746
729
973
1,175
1,084
1,208
1,736
2,118
2,658
3,152
3,653
Operating Margin (%)
16.05
21.8
10.96
7.49
5.79
9.89
14.69
25.02
27.86
15.44
10.74
11.07
12.91
13.7
Depreciation Expense
17
19
18
16
13
14
15
20
35
37
38
40
42
37
Net Income, GAAP
78
112
44
35
29
70
37
378
256
207
175
209
308
382
Effective Tax Rate (%)
35.84
36.73
37.62
39.76
10.46
7.7
24.73
13.13
23.75
23.9
22.94
22.74
23.1
22.68
Profit Margin (%)
10.2
13.79
6.74
4.64
4.01
7.21
3.12
34.87
21.22
11.95
8.27
7.88
9.78
10.47
Working Capital
341
377
437
575
754
917
1,086
1,495
2,138
3,109
3,862
4,564
5,605
6,492
LT Debt
424
494
542
650
789
858
1,027
985
1,425
2,292
2,971
3,596
4,440
5,031
Total Equity
173
154
206
242
282
348
377
919
1,093
1,186
1,240
1,197
1,337
1,569
Return on Invested Capital (%)
13.18
24.54
12.17
9.89
11.92
16.09
16.31
19.65
14.14
9.75
8.46
9.78
10.44
10.95
Return on Capital (%)
11.69
21.78
10.99
9.01
9.71
12.57
7.16
27.14
14.1
9.86
4.55
4.54
5.66
6.17
Return on Common Equity (%)
57.71
68.29
24.44
15.46
11.17
22.27
10.11
58.4
25.5
18.2
14.44
17.19
24.34
26.82

Capital Structure

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
ST Debt
130
- -
378
LT Borrowings
4,703
5,014
4,999
LT Finance Leases
32
32
32
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
25
25
25
Market Capitalization
3,385
5,991
4,130

Working Capital

USD

•

in mil. unless spec.
Mar'26
Jun'26
Sep'26
Total Current Assets
6,409
6,751
7,219
Cash, Cash Equivalents & STI
96
122
106
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
412
335
727
Payables & Accruals
282
335
349
ST Debt
130
- -
378
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
24.98%
8.05%
11.68%
Free Cash Flow
27.1%
28.36%
18.23%
Net Income, GAAP
98.72%
0.01%
47.24%
Sales/Revenue/Turnover
17.97%
24.25%
18.58%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
610
628
690
730
2,658
2025
746
764
803
839
3,152
2026
875
929
1,009
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.72
2
1.64
2.44
7.78
2025
2.84
3.01
3.22
3.19
12.25
2026
3.66
4.22
4.31
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Steven E. Cunningham
Full Time Employees
1,836
Sector
Finance
Industry
Finance/Rental/Leasing
Address
175 West Jackson Blvd. Chicago IL United States 60604
IPO Date
Oct 30, 2014
Website
enova.com
Business
Enova International, Inc. is a leading financial technology company that delivers online financial products and related services to both consumers and small businesses. Leveraging advanced analytics and machine learning, the company offers a range of innovative credit solutions for individuals and enterprises often overlooked by traditional banking institutions. Their comprehensive offerings include various installment loan options, flexible lines of credit, and specialized programs for small business financing. Additionally, Enova facilitates bank partnerships by providing marketing and loan servicing support for near-prime unsecured consumer installment loans, and operates a money transfer platform. The company’s diverse portfolio is marketed under key brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea. With a focus on responsible lending, Enova has expanded its reach across the United States and Brazil, with additional international presence. Founded in 2004 and headquartered in Chicago, Illinois, Enova has funded over $65 billion to more than 13 million customers by employing its proprietary technology and sophisticated risk models for rapid credit assessment and decision-making. The company has recently reported strong financial performance in 2025, including significant year-over-year growth in revenue, originations, and adjusted earnings per share. Notably, in November 2025, Enova authorized a new $400 million share repurchase program.

Company News

  • ENOVA ANNOUNCES PRIVATE OFFERING OF $600 MILLION OF SENIOR NOTES DUE 2031

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Enova International, Inc. - ENVA

  • New Report: 93% of Small Businesses Expect Growth as AI Delivers Measurable Results

  • Enova: 3 Key Takeaways for Long-Term Investors

  • Lost Money on Enova International, Inc. Stock? Glancy Prongay Wolke & Rotter LLP Continues Investigating Possible Securities Fraud After 23.43% Share Price Drop

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Enova International, Inc. - ENVA

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Enova International, Inc. - ENVA

  • Enova To Participate in Upcoming Investor Conferences

  • Enova: Growing 33% Without A Bank, Still Trades At 10x Earnings (Buy)

  • These Analysts Increase Their Forecasts On Enova After Upbeat Q3 Results

  • Enova Tops $1 Billion Quarterly Revenue as Online Lending Surges

  • Enova International, Inc. (ENVA) Q3 2026 Earnings Call Transcript

  • What Enova International (ENVA) Said on Its Q3 Earnings Call

  • Enova International (ENVA) Beats Q3 Earnings and Revenue Estimates

  • Enova Reports Third Quarter 2026 Results

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Enova International, Inc. - ENVA

  • Wolf Popper LLP Announces Investigation on Behalf of Enova International, Inc. Investors

  • INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Enova International, Inc. - ENVA

  • Enova International, Inc. $ENVA Shares Sold by State of Alaska Department of Revenue

  • Enova International, Inc. $ENVA Stock Acquired by Assenagon Asset Management S.A.