ENVA Stock Overview
A technology and analytics company, provides online financial services in the United States, Brazil, and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 5/6 |
| Past Performance | 3/6 |
| Financial Health | 3/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
Community vs My Fair Value
Create NarrativeSelect a narrative for quick price alerts from the community, or create your own.
Investments In Machine Learning And Risk Management Will Drive Future Efficiency
My Notes
Capture your thoughts, links and company narrative
Enova International, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$87.18 |
| 52 Week High | US$117.56 |
| 52 Week Low | US$57.46 |
| Beta | 1.44 |
| 1 Month Change | -24.10% |
| 3 Month Change | -14.66% |
| 1 Year Change | 41.18% |
| 3 Year Change | 143.93% |
| 5 Year Change | 529.91% |
| Change since IPO | 206.22% |
Recent News & Updates
Recent updates
Enova International: How Deregulation Could Unlock New Growth
Feb 18A Piece Of The Puzzle Missing From Enova International, Inc.'s (NYSE:ENVA) Share Price
Jan 29
Many Still Looking Away From Enova International, Inc. (NYSE:ENVA)
Oct 30Enova's Strong Earnings Signal Continued Growth Potential
Oct 23Enova International, Inc. (NYSE:ENVA) Stock Rockets 26% But Many Are Still Ignoring The Company
Jul 25Here's Why Shareholders May Want To Be Cautious With Increasing Enova International, Inc.'s (NYSE:ENVA) CEO Pay Packet
May 02Enova International, Inc. (NYSE:ENVA) Could Be Riskier Than It Looks
Apr 23Further Upside For Enova International, Inc. (NYSE:ENVA) Shares Could Introduce Price Risks After 25% Bounce
Jan 06Enova: Small Upside, But Not A Screaming Buy
Jul 10Enova International: Should You Take Some Profit Now?
Jan 06Enova International expands stock buyback program to $150M
Nov 07Blue Tower Asset Management - Enova: Extremely Cheap Valuation, Strong Organic Growth
Oct 16Shareholder Returns
| ENVA | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -12.9% | -7.7% | -1.7% |
| 1Y | 41.2% | 24.7% | 12.1% |
Return vs Industry: ENVA exceeded the US Consumer Finance industry which returned 24.7% over the past year.
Return vs Market: ENVA exceeded the US Market which returned 12.1% over the past year.
Price Volatility
| ENVA volatility | |
|---|---|
| ENVA Average Weekly Movement | 4.5% |
| Consumer Finance Industry Average Movement | 6.1% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.2% |
| 10% least volatile stocks in US Market | 3.3% |
Stable Share Price: ENVA has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: ENVA's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2003 | 1,787 | David Fisher | www.enova.com |
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company provides installment loans; line of credit accounts; 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 offers money transfer services.
Enova International, Inc. Fundamentals Summary
| ENVA fundamental statistics | |
|---|---|
| Market cap | US$2.36b |
| Earnings (TTM) | US$209.45m |
| Revenue (TTM) | US$1.24b |
10.7x
P/E Ratio1.8x
P/S RatioIs ENVA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ENVA income statement (TTM) | |
|---|---|
| Revenue | US$1.24b |
| Cost of Revenue | US$224.39m |
| Gross Profit | US$1.01b |
| Other Expenses | US$805.17m |
| Earnings | US$209.45m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 8.12 |
| Gross Margin | 81.89% |
| Net Profit Margin | 16.90% |
| Debt/Equity Ratio | 297.7% |
How did ENVA perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/10 21:55 |
| End of Day Share Price | 2025/03/10 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
|
| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* 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.
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 Github.
Analyst Sources
Enova International, Inc. is covered by 12 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.
| Analyst | Institution |
|---|---|
| James Fotheringham | BMO Capital Markets Equity Research |
| Vincent Caintic | BTIG |
| Henry Coffey | CRT Capital Group |