Enova International, Inc.

Enova International, Inc.

ENVA
Enova International, Inc.US flagNew York Stock Exchange
237.27
USD
+19.47
- -
5.91BMarket Cap
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
184.75
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
19.06
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
107.18
Dividend per Share
- -
3.71
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
5.15
4.75
6.09
7.09
7.9
9.9
11.05
26.63
30.42
40.67
48.52
63.07
79.71
118.07
Tangible Book Value per Share
-2.51
-3.09
-2.05
-0.93
0.31
2.28
3.19
19.59
21.41
27.24
30.71
33.68
41.87
65.17
Basic Weighted Avg Shares
33
33
33
33
34
34
34
32
36
32
31
27
25
19
Sales/Revenue/Turnover
765
810
653
746
729
973
1,175
1,084
1,208
1,736
2,118
2,658
3,152
3,446
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
13.53
Depreciation Expense
17
19
18
16
13
14
15
20
35
37
38
40
42
39
Net Income, GAAP
78
112
44
35
29
70
37
378
256
207
175
209
308
355
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
23.05
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
10.31
Working Capital
341
377
437
575
754
917
1,086
1,495
2,138
3,109
3,862
4,564
5,605
6,416
LT Debt
424
494
542
650
789
858
1,027
985
1,425
2,292
2,971
3,596
4,440
5,045
Total Equity
173
154
206
242
282
348
377
919
1,093
1,186
1,240
1,197
1,337
1,497
Return on Invested Capital (%)
11.36
20.15
7
4.55
4.33
8.82
11.34
14.89
11.52
6.8
4.56
4.92
5.74
6.1
Return on Capital (%)
11.72
21.78
11.01
9.07
9.82
12.73
7.2
27.74
14.28
9.63
4.34
4.19
5.11
5.43
Return on Common Equity (%)
58.54
68.34
24.6
15.86
11.69
23.32
10.33
61.83
26.22
17.15
12.5
13.15
16.65
17.56

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
90
130
- -
LT Borrowings
4,408
4,703
5,014
LT Finance Leases
32
32
32
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
25
25
25
Market Capitalization
2,964
2,534
4,490

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
6,001
6,409
6,751
Cash, Cash Equivalents & STI
72
96
122
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
396
412
335
Payables & Accruals
203
282
335
ST Debt
90
130
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

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

FRC

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
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.72
2
1.64
2.44
7.78
2025
2.84
3,010.2
3.22
3.19
12.25
2026
3.66
4,222.25
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

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

Company Description

APIChatGPT
CEO
Steven E. Cunningham
Full Time Employees
1,836
Sector
Financial Services
Industry
Financial - Credit Services
Address
175 West Jackson Blvd. Chicago IL United States of America 60604
IPO Date
Nov 13, 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

APIChatGPT
  • Enova Q2 Earnings Beat on Higher Revenues, Stock Dips as Costs Rise Y/Y

  • Resilient Shoppers and Confident Small Businesses Drive Enova Lending to Record High

  • Enova International, Inc. (ENVA) Q2 2026 Earnings Call Transcript

  • Enova International (ENVA) Q2 Earnings and Revenues Top Estimates

  • Enova International Q2 Earnings Call Highlights

  • Enova Reports Second Quarter 2026 Results

  • Enova Announces Board of Directors Appointment and Planned Departures

  • Enova Announces Date of Second Quarter 2026 Financial Results Conference Call

  • Enova International (ENVA) Upgraded to Buy: Here's What You Should Know

  • Enova Reached 52-Week High: How Should You Play the Stock Now?

  • Enova International, Inc. (ENVA) Hits Fresh High: Is There Still Room to Run?

  • Enova: The Grasshopper Deal Could Create Long-Term Value Beyond Initial Synergies

  • Why Enova International (ENVA) is a Top Growth Stock for the Long-Term

  • 3 Consumer Loan Stocks Poised to Gain From Improving Industry Dynamics

  • Enova International (ENVA) Moves 5.4% Higher: Will This Strength Last?

  • Enova International, Inc. (ENVA) Hit a 52 Week High, Can the Run Continue?

  • Enova International: Structurally Undervalued

  • Here's Why Enova International (ENVA) is a Strong Growth Stock

  • Enova Stock Outlook: What's Driving Growth and Key Risks Ahead

  • Enova's Small Business Lending Surge: What's Driving the Growth?