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Enova International

DB:27E
Snowflake Description

Adequate balance sheet and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
27E
DB
$718M
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

Enova International, Inc., a technology and analytics company, provides online financial services. The last earnings update was 81 days ago. More info.


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  • Enova International has significant price volatility in the past 3 months.
27E Share Price and Events
7 Day Returns
1.4%
DB:27E
-1.3%
Europe Consumer Finance
-0.7%
DE Market
1 Year Returns
-42.1%
DB:27E
-18.4%
Europe Consumer Finance
-7.6%
DE Market
27E Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Enova International (27E) 1.4% -6.2% -14.9% -42.1% 159.9% -
Europe Consumer Finance -1.3% -3.3% -10.7% -18.4% -38.2% -35.7%
DE Market -0.7% -0.9% -3.8% -7.6% 8.2% 11.1%
1 Year Return vs Industry and Market
  • 27E underperformed the Consumer Finance industry which returned -18.4% over the past year.
  • 27E underperformed the Market in Germany which returned -7.6% over the past year.
Price Volatility
27E
Industry
5yr Volatility vs Market

27E Value

 Is Enova International undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Enova International to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Enova International.

DB:27E Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $8.18 * 14%
$1.15
Book Value of Equity per Share Median Book Value from the past 5 years. $8.18
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year DE Government Bond Rate 0.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for DB:27E
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year DE Govt Bond Rate 0.2%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.7
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.698 (1 + (1- 21%) (115.68%))
1.225
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.22
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.23% + (1.225 * 5.96%)
7.53%

Discounted Cash Flow Calculation for DB:27E using Excess Returns Model Model

The calculations below outline how an intrinsic value for Enova International is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

DB:27E Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14% – 7.53%) * $8.18)
$0.53
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.53 / (7.53% - 0.23%)
$7.30
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $8.18 + $7.30
$15.48
DB:27E Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in DB:27E represents 0.89084x of NYSE:ENVA
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.89084x
Value per Share
(Listing Adjusted, EUR)
= Value per Share (USD) x Listing Adjustment Factor
= $ 15.48 x 0.89084
€13.79
Value per share (EUR) From above. €13.79
Current discount Discount to share price of €18.97
= -1 x (€18.97 - €13.79) / €13.79
-37.6%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Enova International is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Enova International's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Enova International's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
DB:27E PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $2.27
NYSE:ENVA Share Price ** NYSE (2019-07-19) in USD $21.29
Europe Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 10.52x
Germany Market PE Ratio Median Figure of 422 Publicly-Listed Companies 19.75x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Enova International.

DB:27E PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NYSE:ENVA Share Price ÷ EPS (both in USD)

= 21.29 ÷ 2.27

9.36x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Enova International is good value based on earnings compared to the Europe Consumer Finance industry average.
  • Enova International is good value based on earnings compared to the Germany market.
Price based on expected Growth
Does Enova International's expected growth come at a high price?
Raw Data
DB:27E PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 9.36x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
14.5%per year
Europe Consumer Finance Industry PEG Ratio Median Figure of 18 Publicly-Listed Consumer Finance Companies 0.68x
Germany Market PEG Ratio Median Figure of 270 Publicly-Listed Companies 1.44x

*Line of best fit is calculated by linear regression .

DB:27E PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 9.36x ÷ 14.5%

0.64x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Enova International is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Enova International's assets?
Raw Data
DB:27E PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $11.26
NYSE:ENVA Share Price * NYSE (2019-07-19) in USD $21.29
Europe Consumer Finance Industry PB Ratio Median Figure of 39 Publicly-Listed Consumer Finance Companies 1.16x
Germany Market PB Ratio Median Figure of 570 Publicly-Listed Companies 1.71x
DB:27E PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NYSE:ENVA Share Price ÷ Book Value per Share (both in USD)

= 21.29 ÷ 11.26

1.89x

* Primary Listing of Enova International.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Enova International is overvalued based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess Enova International's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Enova International has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

27E Future Performance

 How is Enova International expected to perform in the next 1 to 3 years based on estimates from 5 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
14.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Enova International expected to grow at an attractive rate?
  • Enova International's earnings growth is expected to exceed the low risk savings rate of 0.2%.
Growth vs Market Checks
  • Enova International's earnings growth is expected to exceed the Germany market average.
  • Enova International's revenue growth is expected to exceed the Germany market average.
Annual Growth Rates Comparison
Raw Data
DB:27E Future Growth Rates Data Sources
Data Point Source Value (per year)
DB:27E Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 14.5%
DB:27E Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 16%
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 14.6%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 10.6%
Germany Market Earnings Growth Rate Market Cap Weighted Average 12.5%
Germany Market Revenue Growth Rate Market Cap Weighted Average 5.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
DB:27E Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
DB:27E Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 1,714 120 1
2020-12-31 1,484 116 5
2019-12-31 1,276 101 5
DB:27E Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 1,074 753 77
2018-12-31 1,035 685 70
2018-09-30 964 604 68
2018-06-30 890 557 50
2018-03-31 829 480 43
2017-12-31 770 447 29
2017-09-30 732 404 31
2017-06-30 713 399 42
2017-03-31 696 415 39
2016-12-31 680 393 35
2016-09-30 657 379 30
2016-06-30 629 330 27

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Enova International's earnings are expected to grow by 14.5% yearly, however this is not considered high growth (20% yearly).
  • Enova International's revenue is expected to grow by 16% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
DB:27E Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below

All data from Enova International Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:27E Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 3.38 3.38 3.38 1.00
2020-12-31 3.40 3.77 2.77 4.00
2019-12-31 2.96 3.09 2.66 4.00
DB:27E Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 2.27
2018-12-31 2.06
2018-09-30 2.02
2018-06-30 1.47
2018-03-31 1.29
2017-12-31 0.87
2017-09-30 0.93
2017-06-30 1.27
2017-03-31 1.16
2016-12-31 1.04
2016-09-30 0.91
2016-06-30 0.81

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Enova International will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Enova International's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Enova International has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

27E Past Performance

  How has Enova International performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Enova International's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Enova International's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • Enova International's 1-year earnings growth exceeds its 5-year average (78.4% vs -16.7%)
  • Enova International's earnings growth has exceeded the Europe Consumer Finance industry average in the past year (78.4% vs 7.4%).
Earnings and Revenue History
Enova International's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Enova International Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

DB:27E Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 1,073.78 77.22 230.91
2018-12-31 1,034.73 70.10 232.33
2018-09-30 964.43 68.31 231.12
2018-06-30 890.38 49.64 222.91
2018-03-31 829.32 43.29 212.53
2017-12-31 769.74 29.24 203.15
2017-09-30 732.41 31.07 195.51
2017-06-30 712.65 42.28 191.38
2017-03-31 696.27 38.59 194.83
2016-12-31 679.97 34.60 198.66
2016-09-30 657.11 30.07 209.09
2016-06-30 629.22 26.65 219.47
2016-03-31 606.08 29.33 214.67
2015-12-31 599.72 43.99 215.26
2015-09-30 619.13 62.31 216.96
2015-06-30 659.23 76.38 223.11
2015-03-31 720.02 96.15 231.14
2014-12-31 771.36 111.67 234.32
2014-09-30 793.63 108.88 237.09
2014-06-30 794.79 107.49 227.05
2014-03-31 774.93 97.48 221.68
2013-12-31 745.54 78.04 219.76
2012-12-31 639.93 58.87 181.50

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst Enova International has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
  • Enova International used its assets more efficiently than the Europe Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Enova International improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Enova International's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Enova International has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

27E Health

 How is Enova International's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Enova International's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Enova International is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Enova International's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Enova International's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.2x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Enova International Company Filings, last reported 3 months ago.

DB:27E Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 379.21 791.91 92.83
2018-12-31 347.77 857.93 52.92
2018-09-30 352.67 954.09 164.12
2018-06-30 333.65 765.83 47.41
2018-03-31 315.73 757.71 69.90
2017-12-31 281.69 791.54 68.68
2017-09-30 274.81 768.40 110.05
2017-06-30 274.57 641.75 46.21
2017-03-31 258.47 634.12 97.03
2016-12-31 241.70 652.91 39.93
2016-09-30 233.09 638.18 45.68
2016-06-30 224.28 591.82 39.17
2016-03-31 217.61 597.54 112.21
2015-12-31 205.97 544.91 42.07
2015-09-30 199.28 497.69 34.31
2015-06-30 195.09 494.59 96.24
2015-03-31 177.82 494.47 143.44
2014-12-31 153.98 494.18 75.11
2014-09-30 135.91 494.02 104.27
2014-06-30 122.43 493.86 79.69
2014-03-31 173.05 424.13 47.48
2013-12-31 173.05 424.13 47.48
2012-12-31 97.42 427.89 37.55
  • Enova International's level of debt (208.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (246.3% vs 208.8% today).
  • Debt is well covered by operating cash flow (95.1%, greater than 20% of total debt).
  • Unable to confirm if the interest payments on Enova International's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Enova International's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Enova International has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

27E Dividends

 What is Enova International's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Enova International dividends.
If you bought €2,000 of Enova International shares you are expected to receive €0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Enova International's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Enova International's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
DB:27E Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 5 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 22 Stocks 4.1%
Germany Market Average Dividend Yield Market Cap Weighted Average of 325 Stocks 3.2%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.5%
Germany Top 25% Dividend Yield 75th Percentile 3.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

DB:27E Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Enova International has not reported any payouts.
  • Unable to verify if Enova International's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Enova International's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Enova International has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Enova International's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Enova International afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Enova International has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

27E Management

 What is the CEO of Enova International's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
David Fisher
COMPENSATION $5,709,683
AGE 50
TENURE AS CEO 6.5 years
CEO Bio

Mr. David A. Fisher, JD, has been President of Enova International, Inc. since March 2013. Mr. Fisher has been Chief Executive Officer of Enova International, Inc. since joining on January 29, 2013. Mr. Fisher has been a Director of Enova International, Inc since February 11, 2013 and has been its Chairman of Board since October 2014. Mr. Fisher was Chief Executive Officer of optionsXpress Holdings, Inc. (“optionsXpress”) from October 2007 until The Charles Schwab Corporation acquired the business in September 2011. Following the acquisition, Mr. Fisher served as President of optionsXpress from September 2011 to February 2012. Mr. Fisher also served as the President of optionsXpress from March 2007 to October 2007 and as the Chief Financial Officer of optionsXpress from August 2004 to March 2007. Prior to joining optionsXpress, Mr. Fisher served as Chief Financial Officer of Potbelly Sandwich Works from February 2001 to July 2004 and was Chief Financial Officer and General Counsel for Prism Financial Corporation from December 1998 through January 2001. He was Senior Vice President of Derivatives at The Charles Schwab Corporation. In addition, He is a Non-Executive Member of FRISS Fraudebestrijding B.V. since January 1, 2019. Mr. Fisher has served on the Board of Directors of InnerWorkings, Inc., since November 2011 and has served on the Board of Directors of GrubHub, Inc. since August 08, 2013. Mr. Fisher also served as Chief Financial Officer of RBC Mortgage from 2000 through 2001. He also serves on the board of directors of Roti Modern Mediterranean, the restaurant chain. From June 2012 until the August 08, 2013, Mr. Fisher served on the board of directors of Grubhub Holdings. Mr. Fisher also served on the Boards of Directors of optionsXpress from October 2007 until September 2011 and CBOE Holdings, Inc. from January 2007 until October 2011. Mr. Fisher also serves on the Board of Trustees of the Museum of Science and Industry in Chicago. Mr. Fisher received a Bachelor of Science degree in Finance from the University of Illinois in 1991 and his Juris Doctor from Northwestern University School of Law in 1994.

CEO Compensation
  • David's compensation has been consistent with company performance over the past year, both up more than 20%.
  • David's remuneration is higher than average for companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the Enova International management team in years:

4.6
Average Tenure
50.5
Average Age
  • The tenure for the Enova International management team is about average.
Management Team

David Fisher

TITLE
Chairman
COMPENSATION
$6M
AGE
50
TENURE
6.5 yrs

Steve Cunningham

TITLE
Executive VP
COMPENSATION
$2M
AGE
49
TENURE
3.1 yrs

Sean Rahilly

TITLE
General Counsel
COMPENSATION
$1M
AGE
46
TENURE
1.1 yrs

Kirk L. Chartier

TITLE
Chief Marketing Officer & Executive VP
COMPENSATION
$2M
AGE
55

John Higginson

TITLE
CTO & VP
COMPENSATION
$1M
AGE
51
TENURE
4.6 yrs

Monica Gould

TITLE
Investor Relations

Stacey Kraft

TITLE
Chief People Officer
TENURE
1.5 yrs

Joe DeCosmo

TITLE
Chief Analytics Officer & VP
COMPENSATION
$686K
AGE
53
TENURE
5.5 yrs

Nick Drew

TITLE
Head of UK Operations
TENURE
5.5 yrs
Board of Directors Tenure

Average tenure and age of the Enova International board of directors in years:

4.8
Average Tenure
57
Average Age
  • The tenure for the Enova International board of directors is about average.
Board of Directors

David Fisher

TITLE
Chairman
COMPENSATION
$6M
AGE
50
TENURE
4.8 yrs

Dan Feehan

TITLE
Director
COMPENSATION
$236K
AGE
68
TENURE
7.8 yrs

Jim Gray

TITLE
Lead Independent Director
COMPENSATION
$238K
AGE
54
TENURE
5.5 yrs

Ellen Carnahan

TITLE
Director
COMPENSATION
$204K
AGE
63
TENURE
4.2 yrs

Bill Goodyear

TITLE
Director
COMPENSATION
$228K
AGE
70
TENURE
4.8 yrs

Gregg Kaplan

TITLE
Director
COMPENSATION
$203K
AGE
49
TENURE
4.8 yrs

Mark Tebbe

TITLE
Director
COMPENSATION
$203K
AGE
57
TENURE
4.8 yrs

Mark McGowan

TITLE
Director
COMPENSATION
$203K
TENURE
3.3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess Enova International's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Enova International has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

27E News

Simply Wall St News

27E Company Info

Description

Enova International, Inc., a technology and analytics company, provides online financial services. The company offers short-term consumer loans; line of credit accounts; installment loans; receivables purchase agreements; CSO programs, including credit-related services, such as arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs comprising technology, loan servicing, and marketing services to the bank, as well as Enova Decisions, an analytics as a service that enables companies to take decisions about their customers. It offers loans to consumers under the names CashNetUSA and NetCredit in the United States; QuickQuid, Pounds to Pocket, and On Stride Financial names in the United Kingdom; and Simplic name in Brazil. The company also offers financing to small businesses under the names Headway Capital and The Business Backer in the United States. Enova International, Inc. was founded in 2011 and is headquartered in Chicago, Illinois.

Details
Name: Enova International, Inc.
27E
Exchange: DB
Founded: 2011
$639,917,869
33,726,665
Website: http://www.enova.com
Address: Enova International, Inc.
175 West Jackson Boulevard,
Suite 1000,
Chicago,
Illinois, 60604,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NYSE ENVA Common Stock New York Stock Exchange US USD 31. Oct 2014
DB 27E Common Stock Deutsche Boerse AG DE EUR 31. Oct 2014
Number of employees
Current staff
Staff numbers
1,218
Enova International employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/21 23:59
End of day share price update: 2019/07/19 00:00
Last estimates confirmation: 2019/07/09
Last earnings filing: 2019/05/01
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.