Enova International
Market Cap
US$714.3m
Last Updated
2019/10/23 00:20 UTC
Data Sources
Company Financials +
Executive Summary
Enova International, Inc., a technology and analytics company, provides online financial services.
Snowflake
Fundamentals
Fair value with acceptable track record.
Similar Companies
Share Price & News
How has Enova International's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
3.3%
ENVA
1.7%
US Consumer Finance
0.07%
US Market
1 Year Return
-7.4%
ENVA
9.9%
US Consumer Finance
8.9%
US Market
Return vs Industry: ENVA underperformed the US Consumer Finance industry which returned 9.9% over the past year.
Return vs Market: ENVA underperformed the US Market which returned 8.9% over the past year.
Shareholder returns
| ENVA | Industry | Market | |
|---|---|---|---|
| 7 Day | 3.3% | 1.7% | 0.07% |
| 30 Day | -4.5% | -1.2% | -0.3% |
| 90 Day | -6.6% | -7.2% | -1.6% |
| 1 Year | -7.4%-7.4% | 11.8%9.9% | 11.3%8.9% |
| 3 Year | 136.1%136.1% | 55.7%48.2% | 46.3%36.8% |
| 5 Year | n/a | 38.4%28.3% | 62.1%44.3% |
Price Volatility Vs. Market
How volatile is Enova International's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Did You Miss Enova International's (NYSE:ENVA) Impressive 123% Share Price Gain?4 weeks ago | Simply Wall St
Do You Know What Enova International, Inc.'s (NYSE:ENVA) P/E Ratio Means?1 month ago | Simply Wall St
How Should Investors Feel About Enova International, Inc.'s (NYSE:ENVA) CEO Pay?Valuation
Is Enova International undervalued compared to its fair value and its price relative to the market?
8.48x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ENVA ($21.01) is trading above our estimate of fair value ($14.26)
Significantly Below Fair Value: ENVA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ENVA is good value based on its PE Ratio (8.5x) compared to the Consumer Finance industry average (8.5x).
PE vs Market: ENVA is good value based on its PE Ratio (8.5x) compared to the US market (17.8x).
Price to Earnings Growth Ratio
PEG Ratio: ENVA is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: ENVA is overvalued based on its PB Ratio (1.8x) compared to the US Consumer Finance industry average (1.2x).
Next Steps
Future Growth
How is Enova International forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
13.7%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ENVA's forecast earnings growth (13.7% per year) is above the savings rate (2.7%).
Earnings vs Market: ENVA's earnings (13.7% per year) are forecast to grow slower than the US market (14.5% per year).
High Growth Earnings: ENVA's earnings are forecast to grow, but not significantly.
Revenue vs Market: ENVA's revenue (16.2% per year) is forecast to grow faster than the US market (7.2% per year).
High Growth Revenue: ENVA's revenue (16.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if ENVA's Return on Equity is forecast to be high in 3 years time
Next Steps
Past Performance
How has Enova International performed over the past 5 years?
-11.4%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: ENVA's earnings have declined by -11.4% per year over the past 5 years.
Accelerating Growth: ENVA's earnings growth over the past year (69.3%) exceeds its 5-year average (-11.4% per year).
Earnings vs Industry: ENVA earnings growth over the past year (69.3%) exceeded the Consumer Finance industry 25.5%.
Return on Equity
High ROE: Whilst ENVA's Return on Equity (20.68%) is high, this metric is skewed due to their high level of debt.
Return on Assets
ROA vs Industry: ENVA has a higher Return on Assets than the Consumer Finance industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate ENVA's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is Enova International's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: ENVA has a low level of unsold assets or inventory.
Debt Coverage by Assets: ENVA's debt is covered by short term assets (assets are 1.305390x debt).
Financial Institutions Analysis
Asset Level: ENVA's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if ENVA has a sufficient allowance for bad loans.
Low Risk Liabilities: ENVA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if ENVA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: ENVA has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if ENVA has an appropriate level of bad loans.
Next Steps
Dividend
What is Enova International's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: Unable to evaluate ENVA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate ENVA's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stable Dividend: Insufficient data to determine if ENVA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ENVA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ENVA's dividend in 3 years as they are not forecast to pay a notable one for the US market.
Next Steps
Management
What is the CEO of Enova International's salary, the management and board of directors tenure and is there insider trading?
4.8yrs
Average management tenure
CEO
David Fisher (50yo)
6.8yrs
Tenure
US$5,709,683
Compensation
Mr. David A. Fisher, JD, has been President of Enova International, Inc. since March 2013. Mr. Fisher has been Chief Executive Officer of Enova International, Inc. since joining on January 29, 2013. Mr. Fi ...
CEO Compensation Analysis
Compensation vs. Market: David's total compensation ($USD5.71M) is about average for companies of similar size in the US market ($USD2.67M).
Compensation vs Earnings: David's compensation has increased by more than 20% in the past year.
Management Age and Tenure
4.8yrs
Average Tenure
50.5yo
Average Age
Experienced Management: ENVA's management team is considered experienced (4.8 years average tenure).
Board Age and Tenure
5.0yrs
Average Tenure
57yo
Average Age
Experienced Board: ENVA's board of directors are considered experienced (5 years average tenure).
Insider Trading
Insider Buying: ENVA insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors Independent Director |
| Shares | 13,571 |
| Max Price | US$26.30 |
| Entity | Company |
| Shares | 23,907 |
| Max Price | US$26.55 |
| Entity | Company |
| Shares | 500 |
| Max Price | US$26.60 |
Ownership Breakdown
Management Team
David Fisher (50yo)
Chairman
- Tenure: 6.8yrs
- Compensation: US$5.71m
Stacey Kraft
Chief People Officer
- Tenure: 1.8yrs
Kirk L. Chartier (55yo)
Chief Marketing Officer & Executive VP
- Tenure: 0yrs
- Compensation: US$1.77m
Joe DeCosmo (53yo)
Chief Analytics Officer & VP
- Tenure: 5.8yrs
- Compensation: US$685.79k
Steve Cunningham (49yo)
Executive VP
- Tenure: 3.3yrs
- Compensation: US$2.30m
John Higginson (51yo)
CTO & VP
- Tenure: 4.8yrs
- Compensation: US$1.02m
Sean Rahilly (46yo)
General Counsel
- Tenure: 1.3yrs
- Compensation: US$1.23m
Nick Drew
Head of UK Operations
- Tenure: 5.8yrs
Monica Gould
Investor Relations
- Tenure: 0yrs
Board Members
Ellen Carnahan (63yo)
Independent Director
- Tenure: 4.4yrs
- Compensation: US$203.57k
Mark Tebbe (57yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$203.13k
Dan Feehan (68yo)
Independent Director
- Tenure: 8.1yrs
- Compensation: US$235.69k
Bill Goodyear (70yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$228.13k
David Fisher (50yo)
Chairman
- Tenure: 6.8yrs
- Compensation: US$5.71m
Jim Gray (54yo)
Lead Independent Director
- Tenure: 5.8yrs
- Compensation: US$238.13k
Gregg Kaplan (49yo)
Independent Director
- Tenure: 5yrs
- Compensation: US$203.13k
Mark McGowan
Independent Director
- Tenure: 3.6yrs
- Compensation: US$203.13k
Company Information
Enova International, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: Enova International, Inc.
- Ticker: ENVA
- Exchange: NYSE
- Founded: 2011
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$714.334m
- Shares outstanding: 34.00m
- Website: https://www.enova.com
Number of Employees
Location
- Enova International, Inc.
- 175 West Jackson Boulevard
- Suite 1000
- Chicago
- Illinois
- 60604
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| ENVA | NYSE (New York Stock Exchange) | Yes | Common Stock | US | USD | Oct 2014 |
| 27E | DB (Deutsche Boerse AG) | Yes | Common Stock | DE | EUR | Oct 2014 |
Biography
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 purc ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/23 00:20 |
| End of Day Share Price | 2019/10/22 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.