Enova International, Inc. (ENVA)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 1,084 | 1,208 | 1,736 | 2,118 | 2,658 | 3,152 | 3,011 | 3,859 |
| Operating profit | $m | 739 | 830 | ||||||
| Net profit | $m | 378 | 256 | 207 | 175 | 209 | 308 | 355 | 455 |
| EPS reported | $ | 11.58 | 13.48 | ||||||
| Operating cashflow per share | $ | 73.48 | 80.36 | ||||||
| Capex per share | $ | 1.90 | 1.87 | ||||||
| FCF per share | $ | 71.57 | 78.49 | ||||||
| Free cash flow | $m | 1,772 | 1,953 | ||||||
| Net debt | $m | 4,459 | 4,923 | ||||||
| Book value equity | $m | 1,337 | 1,497 | ||||||
| Book value per share | $ | 50.72 | 56.83 | ||||||
| Number of shares | m | 26.36 | 26.34 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.58 | 12.87 | ||||||
| P/B LTM | x | 2.91 | 2.60 | ||||||
| P/S LTM | x | 1.23 | 1.29 | ||||||
| P/FCF LTM | x | 2.20 | 1.99 | ||||||
| EV/EBITDA LTM | x | 15.82 | 10.73 | ||||||
| EV/Sales LTM | x | 2.66 | 3.83 | ||||||
| Earnings Yield LTM | % | +7.36% | +7.77% | ||||||
| FCF Yield | % | +45.53% | +50.17% | ||||||
| Quality | |||||||||
| ROE | % | +23.07% | +25.76% | ||||||
| ROIC | % | +2.47% | +9.28% | ||||||
| Operating margin | % | +23.46% | +27.58% | ||||||
| Gross margin | % | +50.13% | +73.95% | ||||||
| FCF/Sales | % | +56.22% | +64.86% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +55.85% | +81.43% | ||||||
| Sales Growth YoY | % | +18.58% | +13.29% | ||||||
| Net Income Growth YoY | % | +47.24% | +69.71% | ||||||
| FCF Growth | % | +18.51% | +30.61% | ||||||
| Operating Profit Growth | % | +26.45% | +41.99% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | 0.39 | 0.39 | ||||||
| Net Debt/EBITDA | x | 8.48 | 6.30 | ||||||
| EBIT/Net interest | x | 4.36 | -8.07 | ||||||
| Net debt/market cap | % | +1.16% | +75.86% | ||||||
| Net debt/Equity | x | 3.34 | 3.29 | ||||||
| Gross debt/equity | x | 3.41 | 3.37 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Enova International, Inc. (ENVA)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
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