ENVAEnova International, Inc.
240.73USD+2.15%Mkt Cap: 5.99B $P/E: 19.60

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; consu…

Industry Peers

Credit Services
Screen all
vs Credit Services
P/E
Pricier
P/B
Pricier
1M Perf
Lower
V
Visa Inc.
$652.47BUSDP/E 29.9
MA
Mastercard Incorporated
$453.81BUSDP/E 29.7
AXP
American Express Company
$230.80BUSDP/E 21.1
COF
Capital One Financial Corporation
$123.59BUSDP/E 61.5
PYPL
PayPal Holdings, Inc.
$38.09BUSDP/E 8.1
AFRM
Affirm Holdings, Inc.
$27.31BUSDP/E 74.1
SYF
Synchrony Financial
$25.58BUSDP/E 7.9
ALLY
Ally Financial Inc.
$14.08BUSDP/E 11.2
FCFS
FirstCash Holdings, Inc.
$9.48BUSDP/E 27.1
OMF
OneMain Holdings, Inc.
$7.04BUSDP/E 9.1
CACC
Credit Acceptance Corporation
$6.66BUSDP/E 15.9
EDEN
Edenred SE
$5.67BUSDP/E 10.6
SEZL
Sezzle Inc.
$5.77BUSDP/E 23.7
SLM
SLM Corporation
$4.89BUSDP/E 7.2
NNI
Nelnet, Inc.
$4.79BUSDP/E 11.6
BFH
Bread Financial Holdings, Inc.
$4.38BUSDP/E 8.8
UPST
Upstart Holdings, Inc.
$3.39BUSDP/E 86.4
WU
The Western Union Company
$2.41BUSDP/E 5.7
KRU
KRUK Spólka Akcyjna
$2.09BUSDP/E 7.9
AGM
Federal Agricultural Mortgage Corporation
$2.16BUSDP/E 11.5
EZPW
EZCORP, Inc.
$2.13BUSDP/E 18.7
ECPG
Encore Capital Group, Inc.
$2.00BUSDP/E 7.3
HOFI
Hoist Finance AB (publ)
$1.49BUSDP/E 13.9
AGM-A
Federal Agricultural Mortgage Corporation
$1.56BUSDP/E 8.3
ATLC
Atlanticus Holdings Corporation
$1.55BUSDP/E 11.2
MOL
Moltiply Group S.p.A.
$1.38BUSDP/E 33.0
OPFI
OppFi Inc.
$1.43BUSDP/E 4.9
JCAP
Jefferson Capital, Inc.
$1.08BUSDP/E 3.8
WRLD
World Acceptance Corporation
$1.04BUSDP/E 32.5
B2I
B2 Impact ASA
$832.04MUSDP/E 13.6
NAVI
Navient Corporation
$799.85MUSD
GDOT
Green Dot Corporation
$765.78MUSD
PRAA
PRA Group, Inc.
$724.30MUSD
BFF
BFF Bank S.p.A.
$631.58MUSDP/E 11.8
HYQ
Hypoport SE
$606.16MUSDP/E 19.8
IPF
International Personal Finance plc
$598.79MUSDP/E 10.3
GLJ
Grenke AG
$577.19MUSDP/E 9.2
GSY
goeasy Ltd.
$507.94MUSD
FCH
Funding Circle Holdings plc
$456.91MUSDP/E 10.6
ACR
Axactor ASA
$387.02MUSDP/E 5.3
GF
Generalfinance S.p.A.
$396.91MUSDP/E 12.7
RM
Regional Management Corp.
$379.38MUSDP/E 8.4
LPRO
Open Lending Corporation
$367.98MUSD
ISFIN
Is Finansal Kiralama Anonim Sirketi
$330.87MUSDP/E 3.6
SUS
S&U plc
$262.83MUSDP/E 10.2
OPRT
Oportun Financial Corporation
$261.17MUSDP/E 15.4
BST
BEST S.A.
$245.24MUSDP/E 7.4
GARFA
Garanti Faktoring A.S.
$274.90MUSDP/E 4.8
FOA
Finance of America Companies Inc.
$244.70MUSDP/E 12.2
CRDFA
Creditwest Faktoring Anonim Sirketi
$270.17MUSDP/E 12.3
MFIN
Medallion Financial Corp.
$235.98MUSDP/E 6.9
INTRUM
Intrum AB (publ)
$215.56MUSD
CPSS
Consumer Portfolio Services, Inc.
$208.20MUSDP/E 11.3
VAKFN
Vakif Finansal Kiralama A.S.
$194.89MUSDP/E 4.2
DFCH
Distribution Finance Capital Holdings plc
$113.26MUSDP/E 7.9
SUIG
SUI Group Holdings Limited
$93.84MUSD
DGR1R
DelfinGroup AS
$75.38MUSDP/E 6.6
ALG
ALBIS Leasing AG
$65.43MUSDP/E 14.9
LIDFA
Lider Faktoring A.S.
$76.29MUSDP/E 3.1
QLIRO
Qliro AB (publ)
$62.79MUSD
PVT
RMS Mezzanine, a.s.
$53.16MUSDP/E 18.7
TIME
Time Finance plc
$47.83MUSDP/E 6.9
VRM
Vroom, Inc.
$40.10MUSD
GVT
Grupa Virtus Spolka Akcyjna
$31.08MUSD
SEKFK
Seker Finansal Kiralama A.S.
$24.56MUSDP/E 4.7
AFCC-H
Automotive Finco Corp.
$19.20MUSDP/E 33.3
FRS
FORIS AG
$17.18MUSD
ORCH
Orchard Funding Group plc
$14.62MUSDP/E 4.5
CAP
Capitea S.A.
$11.07MUSDP/E 4.4
TUF
LIBERO football finance AG I
$8.12MUSD
CRWN
Crown Capital Partners Inc.
$7.84MUSD
MLRZE
Raize - Instituição de Pagamentos, S.A.
$7.12MUSDP/E Infinity
MIT
The Mint Corporation
$5.15MUSD
ACD
Accord Financial Corp.
$3.49MUSD
PBF
PBS Finanse S.A.
$3.12MUSDP/E 118.0
MWT
M.W. Trade SA
$2.09MUSD
AGM-PE
Federal Agricultural Mortgage Corporation
P/E 1.9
ATLCP
Atlanticus Holdings Corporation
P/E 3.2
GAINI
Gladstone Investment Corporation
SLMBP
SLM Corporation
P/E 34.5
AGM-PF
Federal Agricultural Mortgage Corporation
P/E 1.7
COF-PI
Capital One Financial Corporation
P/E 0.7
COF-PJ
Capital One Financial Corporation
P/E 0.7
SYF-PA
Synchrony Financial
P/E 2.5
BTMWW
Bitcoin Depot Inc.
ATLCL
Atlanticus Holdings Corporation 6.125% Senior Notes due 2026
SOFI
SoFi Technologies, Inc.
AGM-PD
Federal Agricultural Mortgage Corporation
P/E 1.9
Indicators:|

Key Statistics

Company
Market Cap5.99B $
Enterprise Value10.74B $
Revenue (TTM)1.58B $
Gross Profit1.49B $
Net Income (TTM)308.39M $
Revenue/Share63.29 USD
Last Price240.73 USD
Fiscal Year EndDec 2025
MR QuarterMar 2026
Employees1.8K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN
Valuation
P/E (Trailing)19.60
P/E (Forward)12.32
PEG
EV/EBITDA
EV/Revenue6.80
P/S3.79
P/B4.28
EPS (TTM)12.28
EPS (Forward)19.53
52W Range
99.6198% of range242.93
52W High242.93 USD
52W Low99.61 USD
Profitability
Gross Margin47.31%
Oper. Margin26.60%
EBITDA Margin0.00%
Profit Margin9.78%
ROE23.07%
ROA4.77%
Growth
Revenue Growth25.80%
Earnings Growth28.60%
Cash Flow & Leverage
Operating CF1.82B $
CapEx (TTM)47.14M $
FCF Margin
FCF Yield
Net Debt4.75B $
Net Debt/EBITDA
Balance Sheet
Debt/Equity3.39
Current Ratio22.71
Quick Ratio21.56
Book Value/Sh56.25 USD
Cash/Share4.438 USD
Dividends
Fwd Div Rate
Trail. Div Rate0.0000 USD
Div. Yield
5Y Avg Yield
Payout Ratio0.00%
Ex-Div Date
Pay Date
Analyst Consensus
Rating1.3 (Strong Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)219.86 USD
Upside (mean)-8.7%
Target Range190.00 USD270.00 USD
$190.00-8.7% to mean$270.00
# Analysts7
Ownership
Shares Out.24.88M
Float23.79M
Insiders4.58%
Institutions97.23%
Short Interest
Short Ratio8.6d
Short % Float10.35%
Short % Out.8.29%
Shares Short2.06M
Short (prev mo.)1.95M
Technical
SMA 50176.40 (+36.5%)
SMA 200147.73 (+63.0%)
Beta1.30
S&P 52W Chg20.05%
Avg Vol (30d)268.85K
Avg Vol (10d)537.44K
Technical Indicators
RSI (14)89.6
MACD17.5331
MACD Signal12.8407
MACD Hist.+4.6924
BB Upper244.71 USD
BB Middle195.65 USD
BB Lower146.60 USD
BB Width50.14%
ATR (14)7.146 USD
Vol Ratio (20d)1.84x