Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada.
Enova International Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$33.17|
|52 Week High||US$15.13|
|52 Week Low||US$41.06|
|1 Month Change||3.82%|
|3 Month Change||-4.66%|
|1 Year Change||115.25%|
|3 Year Change||14.97%|
|5 Year Change||245.88%|
|Change since IPO||16.51%|
Recent News & Updates
|ENVA||US Consumer Finance||US Market|
Return vs Industry: ENVA exceeded the US Consumer Finance industry which returned 91.1% over the past year.
Return vs Market: ENVA exceeded the US Market which returned 36.2% over the past year.
Stable Share Price: ENVA is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: ENVA's weekly volatility (5%) has been stable over the past year.
About the Company
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; income share agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides Enova Decisions, an analytics as a service designed to automate or augment customer decisions, which include credit risk, fraud risk, identity verification, customer profitability, payments, and collection.
Enova International Fundamentals Summary
|ENVA fundamental statistics|
Is ENVA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|ENVA income statement (TTM)|
|Cost of Revenue||US$119.18m|
Last Reported Earnings
Jun 30, 2021
Next Earnings Date
|Earnings per share (EPS)||13.93|
|Net Profit Margin||57.37%|
How did ENVA perform over the long term?See historical performance and comparison
Is Enova International undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: ENVA ($33.17) is trading below our estimate of fair value ($36.45)
Significantly Below Fair Value: ENVA is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: ENVA is good value based on its PE Ratio (2.5x) compared to the US Consumer Finance industry average (7.9x).
PE vs Market: ENVA is good value based on its PE Ratio (2.5x) compared to the US market (17.7x).
Price to Earnings Growth Ratio
PEG Ratio: ENVA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ENVA is good value based on its PB Ratio (1.1x) compared to the US Consumer Finance industry average (1.6x).
How is Enova International forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ENVA's earnings are forecast to decline over the next 3 years (-16.4% per year).
Earnings vs Market: ENVA's earnings are forecast to decline over the next 3 years (-16.4% per year).
High Growth Earnings: ENVA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ENVA's revenue (28.6% per year) is forecast to grow faster than the US market (9.8% per year).
High Growth Revenue: ENVA's revenue (28.6% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ENVA's Return on Equity is forecast to be low in 3 years time (18.5%).
How has Enova International performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ENVA has a large one-off gain of $143.1M impacting its June 30 2021 financial results.
Growing Profit Margin: ENVA's current net profit margins (57.4%) are higher than last year (13.5%).
Past Earnings Growth Analysis
Earnings Trend: ENVA's earnings have grown significantly by 58.1% per year over the past 5 years.
Accelerating Growth: ENVA's earnings growth over the past year (328.3%) exceeds its 5-year average (58.1% per year).
Earnings vs Industry: ENVA earnings growth over the past year (328.3%) exceeded the Consumer Finance industry 126.5%.
Return on Equity
High ROE: ENVA's Return on Equity (43.9%) is considered outstanding.
How is Enova International's financial position?
Financial Position Analysis
Short Term Liabilities: ENVA's short term assets ($1.9B) exceed its short term liabilities ($140.6M).
Long Term Liabilities: ENVA's short term assets ($1.9B) exceed its long term liabilities ($1.2B).
Debt to Equity History and Analysis
Debt Level: ENVA's debt to equity ratio (93.9%) is considered high.
Reducing Debt: ENVA's debt to equity ratio has reduced from 264% to 93.9% over the past 5 years.
Debt Coverage: ENVA's debt is well covered by operating cash flow (46.4%).
Interest Coverage: Insufficient data to determine if ENVA's interest payments on its debt are well covered by EBIT.
What is Enova International current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate ENVA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate ENVA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if ENVA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if ENVA's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ENVA's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
David Fisher (52 yo)
Mr. David A. Fisher, JD, has been Independent Member of Supervisory Board at Just Eat Takeaway.com N.V. since June 15, 2021. He has served as Independent Director of GrubHub, Inc. since August 08, 2013. Mr...
CEO Compensation Analysis
Compensation vs Market: David's total compensation ($USD6.85M) is above average for companies of similar size in the US market ($USD2.35M).
Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.
Experienced Management: ENVA's management team is seasoned and experienced (6.5 years average tenure).
Experienced Board: ENVA's board of directors are considered experienced (6.9 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 22.5%.
Enova International, Inc.'s employee growth, exchange listings and data sources
- Name: Enova International, Inc.
- Ticker: ENVA
- Exchange: NYSE
- Founded: 2011
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: US$1.200b
- Shares outstanding: 36.87m
- Website: https://www.enova.com
Number of Employees
- Enova International, Inc.
- 175 West Jackson Boulevard
- Suite 1000
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/23 23:06|
|End of Day Share Price||2021/09/23 00:00|
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.