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Enova International

NYSE:ENVA
Snowflake Description

High growth potential with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
ENVA
NYSE
$853M
Market Cap
  1. Home
  2. US
  3. Diversified Financials
Company description

Enova International, Inc., a technology and analytics company, provides online financial services. The last earnings update was 20 days ago. More info.


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  • Enova International has significant price volatility in the past 3 months.
ENVA Share Price and Events
7 Day Returns
7.6%
NYSE:ENVA
3.3%
US Consumer Finance
2.4%
US Market
1 Year Returns
13.5%
NYSE:ENVA
-0.1%
US Consumer Finance
1.9%
US Market
ENVA Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Enova International (ENVA) 7.6% 3.1% 37.6% 13.5% 279.6% -
US Consumer Finance 3.3% 3.2% 15.8% -0.1% 50.8% 21.3%
US Market 2.4% 1.7% 11.9% 1.9% 38.2% 42.4%
1 Year Return vs Industry and Market
  • ENVA outperformed the Consumer Finance industry which returned -0.1% over the past year.
  • ENVA outperformed the Market in United States of America which returned 1.9% over the past year.
Price Volatility
ENVA
Industry
5yr Volatility vs Market

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    Our intrinsic value calculation method has changed recently, learn more here.

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

NYSE:ENVA 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
= $8.16 * 14.1%
$1.15
Book Value of Equity per Share Median Book Value from the past 5 years. $8.16
Discount Rate (Cost of Equity) See below 9.6%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

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 NYSE:ENVA
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.68
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.684 (1 + (1- 21%) (100.58%))
1.152
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.15
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.152 * 5.96%)
9.6%

Discounted Cash Flow Calculation for NYSE:ENVA 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.

NYSE:ENVA Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (14.1% – 9.6%) * $8.16)
$0.36
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $0.36 / (9.6% - 2.73%)
$5.30
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $8.16 + $5.30
$13.47
NYSE:ENVA Discount to Share Price
Calculation Result
Value per share (USD) From above. $13.47
Current discount Discount to share price of $25.47
= -1 x ($25.47 - $13.47) / $13.47
-89.2%

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
NYSE:ENVA PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in USD $2.06
NYSE:ENVA Share Price ** NYSE (2019-03-18) in USD $25.47
United States of America Consumer Finance Industry PE Ratio Median Figure of 29 Publicly-Listed Consumer Finance Companies 9.36x
United States of America Market PE Ratio Median Figure of 3,055 Publicly-Listed Companies 17.61x

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

** Primary Listing of Enova International.

NYSE:ENVA PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

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

= 25.47 ÷ 2.06

12.35x

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

  • Enova International is overvalued based on earnings compared to the US Consumer Finance industry average.
  • Enova International is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Enova International's expected growth come at a high price?
Raw Data
NYSE:ENVA PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 12.35x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts
20.8%per year
United States of America Consumer Finance Industry PEG Ratio Median Figure of 24 Publicly-Listed Consumer Finance Companies 0.59x
United States of America Market PEG Ratio Median Figure of 2,109 Publicly-Listed Companies 1.48x

*Line of best fit is calculated by linear regression .

NYSE:ENVA PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 12.35x ÷ 20.8%

0.59x

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
NYSE:ENVA PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in USD $10.35
NYSE:ENVA Share Price * NYSE (2019-03-18) in USD $25.47
United States of America Consumer Finance Industry PB Ratio Median Figure of 41 Publicly-Listed Consumer Finance Companies 1.47x
United States of America Market PB Ratio Median Figure of 5,152 Publicly-Listed Companies 1.87x
NYSE:ENVA PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

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

= 25.47 ÷ 10.35

2.46x

* 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 US 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 2/6, 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.

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
20.8%
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 2.7%.
Growth vs Market Checks
  • Enova International's earnings growth is expected to exceed the United States of America market average.
  • Enova International's revenue growth is expected to exceed the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NYSE:ENVA Future Growth Rates Data Sources
Data Point Source Value (per year)
NYSE:ENVA Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 5 Analysts 20.8%
NYSE:ENVA Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 5 Analysts 16.4%
United States of America Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 3.7%
United States of America Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.3%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.1%

*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
NYSE:ENVA Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (2 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.
NYSE:ENVA Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 1,729 134 1
2020-12-31 1,486 116 4
2019-12-31 1,292 100 5
NYSE:ENVA Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
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
2016-03-31 606 295 29

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Enova International's earnings are expected to grow significantly at over 20% yearly.
  • Enova International's revenue is expected to grow by 16.4% 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
NYSE:ENVA Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (2 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 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:ENVA Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31 3.88 3.88 3.88 1.00
2020-12-31 3.37 3.64 3.21 3.00
2019-12-31 2.88 3.15 2.73 4.00
NYSE:ENVA Past Financials Data
Date (Data in USD Millions) EPS *
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
2016-03-31 0.89

*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.
  • Enova International is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
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 United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America 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 5/6, 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.

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 (139.7% vs -19.8%)
  • Enova International's earnings growth has exceeded the US Consumer Finance industry average in the past year (139.7% vs 32.4%).
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 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NYSE:ENVA Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
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 43.29 214.89
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 US 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.

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 2 months ago.

NYSE:ENVA Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
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 (246.7%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (245.1% vs 246.7% today).
  • Debt is well covered by operating cash flow (79.8%, 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 3/6, 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.

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
NYSE:ENVA 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
United States of America Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 13 Stocks 1.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2004 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

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

NYSE:ENVA 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.

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 $4,718,960
AGE 49
TENURE AS CEO 6.2 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 increased by more than 20% in the past year.
  • David's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

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

3.8
Average Tenure
49
Average Age
  • The tenure for the Enova International management team is about average.
Management Team

David Fisher

TITLE
Chairman
COMPENSATION
$5M
AGE
49
TENURE
6.2 yrs

Steve Cunningham

TITLE
Executive VP
COMPENSATION
$2M
AGE
48
TENURE
2.8 yrs

Greg Zeeman

TITLE
Executive VP & COO
COMPENSATION
$2M
AGE
49
TENURE
3.4 yrs

Kirk L. Chartier

TITLE
Chief Marketing Officer & Executive VP
COMPENSATION
$2M
AGE
54

John Higginson

TITLE
CTO & VP
COMPENSATION
$1M
AGE
50
TENURE
4.3 yrs

Monica Gould

TITLE
Investor Relations

Sean Rahilly

TITLE
General Counsel
AGE
45
TENURE
0.8 yrs

Stacey Kraft

TITLE
Chief People Officer
TENURE
1.2 yrs

Joe DeCosmo

TITLE
Chief Analytics Officer & VP
COMPENSATION
$686K
AGE
52
TENURE
5.2 yrs

Nick Drew

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

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

4.4
Average Tenure
56
Average Age
  • The tenure for the Enova International board of directors is about average.
Board of Directors

David Fisher

TITLE
Chairman
COMPENSATION
$5M
AGE
49
TENURE
4.4 yrs

Dan Feehan

TITLE
Director
COMPENSATION
$177K
AGE
67
TENURE
7.5 yrs

William Goodyear

TITLE
Director
COMPENSATION
$198K
AGE
69
TENURE
4.4 yrs

Jim Gray

TITLE
Presiding Outside Director
COMPENSATION
$208K
AGE
53
TENURE
5.2 yrs

Gregg Kaplan

TITLE
Director
COMPENSATION
$173K
AGE
48
TENURE
4.4 yrs

Mark Tebbe

TITLE
Director
COMPENSATION
$173K
AGE
56
TENURE
4.4 yrs

Ellen Carnahan

TITLE
Director
COMPENSATION
$173K
AGE
62
TENURE
3.8 yrs

Mark McGowan

TITLE
Director
COMPENSATION
$173K
TENURE
3 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
01. Jun 18 Sell Gregg Kaplan Individual 30. May 18 31. May 18 -15,000 $33.65 $-498,302
15. May 18 Sell James Gray Individual 11. May 18 14. May 18 -54,666 $32.75 $-1,779,929
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.

News

Simply Wall St News

What Should You Know About Enova International, Inc.'s (NYSE:ENVA) Earnings Outlook?

The most recent earnings update Enova International, Inc.'s (NYSE:ENVA) released in December 2018a

Simply Wall St -

Investors Who Bought Enova International Shares Three Years Ago Are Now Up 324%

(NYSE:ENVA) share price, which skyrocketed 324% over three years. … During three years of share price growth, Enova International achieved compound earnings per share growth of 16% per year. … In comparison, the 62% per year gain in the share price outpaces the EPS growth.

Simply Wall St -

Enova International, Inc. (NYSE:ENVA): What Does The Future Look Like?

Want to participate in a short research study? … Help shape the future of investing tools and you could win a $250 gift card! … (NYSE:ENVA) announced its earnings update.

Simply Wall St -

Is Enova International, Inc.'s (NYSE:ENVA) High P/E Ratio A Problem For Investors?

This article is written for those who want to get better at using price to earnings ratios (P/E ratios). … Enova International has a price to earnings ratio of 11.08, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)

Simply Wall St -

Did Enova International, Inc. (NYSE:ENVA) Insiders Sell Shares?

So we'll take a look at whether insiders have been buying or selling shares in Enova International, Inc. … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … All up, insiders sold more shares in Enova International than they bought, over the last year

Simply Wall St -

A Look At Enova International Inc's (NYSE:ENVA) Exceptional Fundamentals

Building up an investment case requires looking at a stock holistically. … Today I've chosen to put the spotlight on Enova International Inc (NYSE:ENVA) due to its excellent fundamentals in more than one area. … a excellent

Simply Wall St -

Is Enova International Inc (NYSE:ENVA) Attractive At This PE Ratio?

Enova International Inc (NYSE:ENVA) trades with a trailing P/E of 16.8, which is higher than the industry average of 12.1. … I will deconstruct the P/E ratio and highlight what you need to be careful of when using the P/E ratio … View our latest analysis for Enova International

Simply Wall St -

Is Enova International Inc's (NYSE:ENVA) CEO Salary Justified?

Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … This is because, if incentives are aligned, more value is created for shareholders which directly impacts your returns as an investor. … CEOs leading companies of similar size and profitability

Simply Wall St -

Have Investors Priced In Financial Growth For Enova International Inc (NYSE:ENVA)?

which now face the choice of either being disintermediated or proactively disrupting their own business models to thrive in the future … Many consumer finance firms, particularly the large, complex institutions, have been simplifying their business and operating models over the last few years, both for economic reasons and to reduce organizational complexity … Financial services analysts are forecasting for the entire industry,

Simply Wall St -

Should You Buy Enova International Inc (NYSE:ENVA) At US$35.25?

Enova International Inc (NYSE:ENVA), a consumer finance company based in United States,. … As a stock with high coverage by analysts, you could assume any recent changes in the company’s outlook is already priced into the stock? … Let’s take a look at Enova International’s outlook and value based on the most recent financial data to see if the opportunity still exists

Simply Wall St -

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.
ENVA
Exchange: NYSE
Founded: 2011
$853,008,740
33,490,724
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: 2019/03/19 00:21
End of day share price update: 2019/03/18 00:00
Last estimates confirmation: 2019/02/01
Last earnings filing: 2019/02/27
Last earnings reported: 2018/12/31
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.