Financhill
Buy
88

ENVA Quote, Financials, Valuation and Earnings

Last price:
$157.90
Seasonality move :
12.67%
Day range:
$142.48 - $161.29
52-week range:
$79.41 - $161.29
Dividend yield:
0%
P/E ratio:
14.51x
P/S ratio:
1.40x
P/B ratio:
3.05x
Volume:
751.7K
Avg. volume:
230.2K
1-year change:
51.22%
Market cap:
$3.9B
Revenue:
$2.7B
EPS (TTM):
$10.89

Analysts' Opinion

  • Consensus Rating
    Enova International, Inc. has received a consensus rating of Buy. The company's average rating is a Buy based on 5 Buy ratings, 1 Hold rating, and 0 Sell ratings.
  • Price Target Downside
    According to analysts' consensus price target of $143.75, Enova International, Inc. has an estimated downside of -8.97% from its current price of $157.92.
  • Price Target Upside
    According to analysts, the highest upside price target is $165.00 representing 4.48% upside increase from its current price of $157.92.

Fair Value

  • According to the consensus of 6 analysts, Enova International, Inc. has -8.97% downside to fair value with a price target of $143.75 per share.

ENVA vs. S&P 500

  • Over the past 5 trading days, Enova International, Inc. has overperformed the S&P 500 by 15.71% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Enova International, Inc. does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Enova International, Inc. has grown year-over-year revenues for 18 quarters straight. In the most recent quarter Enova International, Inc. reported revenues of $802.7M.

Earnings Growth

  • Enova International, Inc. has grown year-over-year earnings for 7 quarters straight. In the most recent quarter Enova International, Inc. reported earnings per share of $3.03.
Enterprise value:
7.7B
EV / Invested capital:
1.42x
Price / LTM sales:
1.40x
EV / EBIT:
10.87x
EV / Revenue:
2.53x
PEG ratio (5yr expected):
0.20x
EV / Free cash flow:
4.51x
Price / Operating cash flow:
2.50x
Enterprise value / EBITDA:
10.25x
Gross Profit (TTM):
--
Return On Assets:
5.35%
Net Income Margin (TTM):
9.64%
Return On Equity:
24.09%
Return On Invested Capital:
5.87%
Operating Margin:
24.52%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Income Statement
Revenue $2B $2.5B $3B $689.9M $802.7M
Gross Profit -- -- -- -- --
Operating Income $429.8M $527.1M $708M $153.7M $196.8M
EBITDA $467.5M $566.1M $750.9M $163.8M $209.1M
Diluted EPS $5.91 $6.26 $10.89 $1.57 $3.03
Period Ending 2021-09-30 2022-09-30 2023-09-30 2024-09-30 2025-09-30
Balance Sheet
Current Assets $2B $3B $3.6B $4.5B $5.5B
Total Assets $2.5B $3.5B $4.1B $5B $6B
Current Liabilities $124.6M $169M $275.8M $259.5M $252.9M
Total Liabilities $1.3B $2.4B $2.8B $3.8B $4.7B
Total Equity $1.1B $1.1B $1.3B $1.2B $1.3B
Total Debt $1.1B $2.1B $2.5B $3.3B $4.1B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-09-30 2024-09-30 2025-09-30 2024-09-30 2025-09-30
Cash Flow Statement
Cash Flow Operations $1.1B $1.4B $1.8B $398.6M $481.8M
Cash From Investing -$1.4B -$1.9B -$2.2B -$482.3M -$605.1M
Cash From Financing $272.6M $534.9M $573.7M $66.8M $100.8M
Free Cash Flow $1.1B $1.4B $1.7B $387.6M $470.5M
ENVA
Sector
Market Cap
$3.9B
$573.9M
Price % of 52-Week High
97.91%
91.26%
Dividend Yield
0%
1.62%
Shareholder Yield
1.36%
3.15%
1-Year Price Total Return
51.22%
3.64%
Beta (5-Year)
1.313
0.481
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Buy
Level $138.78
200-day SMA
Buy
Level $108.27
Bollinger Bands (100)
Buy
Level 107.91 - 128.31
Chaikin Money Flow
Buy
Level 3.1M
20-day SMA
Buy
Level $130.92
Relative Strength Index (RSI14)
Buy
Level 83.89
ADX Line
Buy
Level 43.69
Williams %R
Sell
Level -8.1146
50-day SMA
Buy
Level $122.16
MACD (12, 26)
Buy
Level 6.16
25-day Aroon Oscillator
Buy
Level 60
On Balance Volume
Neutral
Level 30.3M

Financial Scores

Hold
Altman Z-Score (Annual)
Level (2.7273)
Sell
CA Score (Annual)
Level (-0.8783)
Buy
Beneish M-Score (Annual)
Level (-4.4025)
Buy
Momentum Score
Level (8)
Buy
Ohlson Score
Level (0.0695)
Buy
Piotroski F Score (Annual)
Level (7)
Buy
Quality Ratio Score
Level (2)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Enova International, Inc. engages in the provision of online financial services. Its products and services include short-term consumer loan, line of credit accounts, instalment loans, receivables purchase agreements, credit services organization program, bank program, and decision management platform-as-a-service & analytics-as-a-service. It caters non-prime credit consumers and small businesses in the United States and Brazil. The company was founded by Albert Goldstein and Alexander Goldstein in 2003 and is headquartered in Chicago, IL.

Stock Forecast FAQ

In the current month, ENVA has received 5 Buy ratings 1 Hold ratings, and 0 Sell ratings. The ENVA average analyst price target in the past 3 months is $143.75.

  • Where Will Enova International, Inc. Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Enova International, Inc. share price will drop to $143.75 per share over the next 12 months.

  • What Do Analysts Say About Enova International, Inc.?

    Analysts are divided on their view about Enova International, Inc. share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Enova International, Inc. is a Sell and believe this share price will rise from its current level to $111.00.

  • What Is Enova International, Inc.'s Price Target?

    The price target for Enova International, Inc. over the next 1-year time period is forecast to be $143.75 according to 6 Wall Street analysts, 5 of them rate the stock a Buy, 0 rate the stock a Sell, and 1 analyst rates the stock a Hold.

  • Is ENVA A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Enova International, Inc. is a Buy. 5 of 6 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of ENVA?

    You can purchase shares of Enova International, Inc. via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Enova International, Inc. shares.

  • What Is The Enova International, Inc. Share Price Today?

    Enova International, Inc. was last trading at $157.90 per share. This represents the most recent stock quote for Enova International, Inc.. Yesterday, Enova International, Inc. closed at $157.92 per share.

  • How To Buy Enova International, Inc. Stock Online?

    In order to purchase Enova International, Inc. stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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