Financhill
Buy
63

ENVA Quote, Financials, Valuation and Earnings

Last price:
$92.60
Seasonality move :
4.34%
Day range:
$93.30 - $95.32
52-week range:
$57.46 - $117.56
Dividend yield:
0%
P/E ratio:
11.02x
P/S ratio:
0.92x
P/B ratio:
1.98x
Volume:
262.1K
Avg. volume:
298.8K
1-year change:
50.93%
Market cap:
$2.4B
Revenue:
$2.7B
EPS (TTM):
$8.49

Analysts' Opinion

  • Consensus Rating
    Enova International has received a consensus rating of Buy. The company's average rating is a Buy based on 4 Buy ratings, 1 Hold rating, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $126.86, Enova International has an estimated upside of 35.55% from its current price of $93.59.
  • Price Target Downside
    According to analysts, the lowest downside price target is $109.00 representing 100% downside risk from its current price of $93.59.

Fair Value

  • According to the consensus of 5 analysts, Enova International has 35.55% upside to fair value with a price target of $126.86 per share.

ENVA vs. S&P 500

  • Over the past 5 trading days, Enova International has underperformed the S&P 500 by -7.08% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • Enova International 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 has grown year-over-year revenues for 16 quarters straight. In the most recent quarter Enova International reported revenues of $745.5M.

Earnings Growth

  • Enova International has grown year-over-year earnings for 5 quarters straight. In the most recent quarter Enova International reported earnings per share of $2.69.
Enterprise value:
6.1B
EV / Invested capital:
1.23x
Price / LTM sales:
0.92x
EV / EBIT:
18.96x
EV / Revenue:
2.18x
PEG ratio (5yr expected):
0.21x
EV / Free cash flow:
3.96x
Price / Operating cash flow:
1.68x
Enterprise value / EBITDA:
16.85x
Gross Profit (TTM):
$1.3B
Return On Assets:
4.65%
Net Income Margin (TTM):
8.38%
Return On Equity:
19.93%
Return On Invested Capital:
5.15%
Operating Margin:
12.25%
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Income Statement
Revenue $1.8B $2.2B $2.8B $609.9M $745.5M
Gross Profit $998M $1.1B $1.3B $280.3M $345.6M
Operating Income $265.8M $226.6M $320.5M $65.2M $91.4M
EBITDA $303.7M $264.5M $360.5M $75.5M $101.4M
Diluted EPS $6.25 $5.56 $8.49 $1.64 $2.69
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Balance Sheet
Current Assets $1.6B $2.6B $3.4B $4.2B $5B
Total Assets $2.1B $3B $3.8B $4.6B $5.5B
Current Liabilities $126.4M $136.9M $177.9M $290.6M $237.4M
Total Liabilities $1.1B $2B $2.6B $3.5B $4.3B
Total Equity $1B $1.1B $1.2B $1.2B $1.2B
Total Debt $874.5M $1.7B $2.3B $3B $3.8B
Trailing 12 Months Fiscal Quarters
Period Ending 2023-03-31 2024-03-31 2025-03-31 2024-03-31 2025-03-31
Cash Flow Statement
Cash Flow Operations $1B $1.2B $1.6B $348.6M $391.1M
Cash From Investing -$1.5B -$1.7B -$2B -$443.2M -$509.6M
Cash From Financing $523.9M $439M $480.2M -$54M $107.3M
Free Cash Flow $978.6M $1.2B $1.5B $337.3M $378.3M
ENVA
Sector
Market Cap
$2.4B
$600.8M
Price % of 52-Week High
79.61%
84.99%
Dividend Yield
0%
2%
Shareholder Yield
2.46%
3.99%
1-Year Price Total Return
50.93%
8.34%
Beta (5-Year)
1.432
0.590
Dividend yield:
0%
Annualized payout:
$0.00
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Sell
Level $95.87
200-day SMA
Buy
Level $93.15
Bollinger Bands (100)
Sell
Level 92.5 - 107.92
Chaikin Money Flow
Buy
Level 1.8M
20-day SMA
Buy
Level $92.89
Relative Strength Index (RSI14)
Sell
Level 48.54
ADX Line
Buy
Level 12.66
Williams %R
Neutral
Level -55.4833
50-day SMA
Sell
Level $95.32
MACD (12, 26)
Buy
Level 7.69
25-day Aroon Oscillator
Sell
Level -12
On Balance Volume
Neutral
Level 833.7K

Financial Scores

Hold
Altman Z-Score (Annual)
Level (2.4921)
Sell
CA Score (Annual)
Level (-1.1441)
Buy
Beneish M-Score (Annual)
Level (-4.4025)
Buy
Momentum Score
Level (10)
Buy
Ohlson Score
Level (0.1371)
Buy
Piotroski F Score (Annual)
Level (6)
Buy
Quality Ratio Score
Level (4)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and and Brazil. Consumers apply for credit online, the company's technology platforms process the applications, and transactions are completed quickly and efficiently. Its customers are predominantly retail consumers and small businesses. Enova markets its financing products under the names CashNetUSA, NetCredit, OnDeck, Headway Capital, and Simplic. The company also operates a money transfer platform under the name Pangea. Geographically, the company generates a majority of its revenue from its business in the United States and the rest from other international countries.

Stock Forecast FAQ

In the current month, ENVA has received 4 Buy ratings 1 Hold ratings, and 0 Sell ratings. The ENVA average analyst price target in the past 3 months is $126.86.

  • Where Will Enova International Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Enova International share price will rise to $126.86 per share over the next 12 months.

  • What Do Analysts Say About Enova International?

    Analysts are divided on their view about Enova International 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 is a Sell and believe this share price will drop from its current level to $109.00.

  • What Is Enova International's Price Target?

    The price target for Enova International over the next 1-year time period is forecast to be $126.86 according to 5 Wall Street analysts, 4 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 is a Buy. 4 of 5 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of ENVA?

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

  • What Is The Enova International Share Price Today?

    Enova International was last trading at $92.60 per share. This represents the most recent stock quote for Enova International. Yesterday, Enova International closed at $93.59 per share.

  • How To Buy Enova International Stock Online?

    In order to purchase Enova International 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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