Enova International, Inc.

DB:27E Stock Report

Market Cap: €2.5b

Enova International Past Earnings Performance

Past criteria checks 1/6

Enova International's earnings have been declining at an average annual rate of -1.8%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been growing at an average rate of 5.9% per year. Enova International's return on equity is 15.3%, and it has net margins of 15.4%.

Key information

-1.8%

Earnings growth rate

0.6%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate5.9%
Return on equity15.3%
Net Margin15.4%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Enova International makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:27E Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,1711816620
30 Jun 241,1181786370
31 Mar 241,0731736080
31 Dec 231,0351755750
30 Sep 231,0201915350
30 Jun 231,0122025190
31 Mar 239982065120
31 Dec 221,0022075230
30 Sep 221,0102055400
30 Jun 229752055140
31 Mar 229762334830
31 Dec 219482564280
30 Sep 219034383440
30 Jun 218384802690
31 Mar 217104482010
31 Dec 205983781900
30 Sep 207071771860
30 Jun 208311122100
31 Mar 20960952390
31 Dec 191,0991282240
30 Sep 199251011920
30 Jun 19911871910
31 Mar 19904751950
31 Dec 18893642010
30 Sep 18964682290
30 Jun 18890502210
31 Mar 18829432130
31 Dec 17655181760
30 Sep 17732311960
30 Jun 17713421910
31 Mar 17696391950
31 Dec 16680351990
30 Sep 16657302090
30 Jun 16629272190
31 Mar 16606292150
31 Dec 15600442150
30 Sep 15619622170
30 Jun 15659762230
31 Mar 15720962310
31 Dec 147711122340
30 Sep 147941092370
30 Jun 147951072270
31 Mar 14775972220
31 Dec 13746782200

Quality Earnings: 27E has high quality earnings.

Growing Profit Margin: 27E's current net profit margins (15.4%) are lower than last year (18.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 27E's earnings have declined by 1.8% per year over the past 5 years.

Accelerating Growth: 27E's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 27E had negative earnings growth (-5.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.2%).

Return on Equity

High ROE: 27E's Return on Equity (15.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/25 13:15
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Enova International, Inc. is covered by 13 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James FotheringhamBMO Capital Markets Equity Research
Vincent CainticBTIG
Henry CoffeyCRT Capital Group