Enova International, Inc. (NYSE: ENVA) is a Financial Services company in the Financial - Credit Services industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 19.12 | EPS (ttm) | 13.48 | Insider Own | 10.71% | Shs Outstand | 24.90M | Perf Week | 3.51% |
| Market Cap | 6.42B | Forward P/E | 11.96 | EPS next Y | 21.56 | Insider Trans | -5.01% | Shs Float | 23.80M | Perf Month | 9.80% |
| Enterprise Value | 11.31B | PEG | 0.78 | EPS next Q | 4.46 | Inst Own | - | Short Float | 9.07% | Perf Quarter | 57.28% |
| Income | 355.00M | P/S | 2.13 | EPS this Y | 28.65% | Inst Trans | - | Short Ratio | 6.76 | Perf Half Y | 49.56% |
| Sales | 3.01B | P/B | 4.29 | EPS next Y | 24.32% | ROA | 4.92% | Short Interest | 2.16M | Perf YTD | 63.99% |
| Book/sh | 60.12 | P/C | 52.61 | EPS next 5Y | 24.36% | ROE | 25.76% | 52W High | 262.19 -1.68% | Perf Year | 156.35% |
| Cash/sh | 4.90 | P/FCF | 3.24 | EPS past 3/5Y | 23.22% -0.21% | ROIC | 9.28% | 52W Low | 101.16 154.83% | Perf 3Y | 370.94% |
| Dividend Est. | - | EV/EBITDA | 14.48 | Sales past 3/5Y | 22.00% 23.80% | Gross Margin | 73.95% | Volatility | 3.43% 3.80% | Perf 5Y | 708.37% |
| Dividend TTM | - | EV/Sales | 3.76 | EPS Y/Y TTM | 81.43% | Oper. Margin | 27.58% | ATR (14) | 9.38 | Perf 10Y | 3130.45% |
| Dividend Ex-Date | - | Quick Ratio | 18.42 | Sales Y/Y TTM | 13.28% | Profit Margin | 11.81% | RSI (14) | 68.01 | Recom | 2.30 |
| Dividend Gr. 3/5Y | - | Current Ratio | 18.42 | EPS Q/Q | 33.44% | SMA20 | 8.05% | Beta | 1.20 | Target Price | 248.60 |
| Payout | 0.00% | Debt/Eq | 3.41 | Sales Q/Q | -35.34% | SMA50 | 21.64% | Rel Volume | 1.03 | Prev Close | 258.57 |
| Employees | 1,836 | LT Debt/Eq | 3.41 | Earnings | Oct 22 | SMA200 | 58.17% | Avg Volume | 343.49K | Price | 257.79 |
| IPO Date | Nov 13, 2014 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 8.76% 2.12% | Net Debt/EBITDA | 6.30 | Volume | 355,423 | Change | -0.30% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Jul-27-26 | Reiterated | Seaport Global | $210 → $283 | |
| Jul-08-26 | Reiterated | Jefferies | Buy | $95 → $280 |
| Jun-30-26 | Reiterated | BTIG | Buy | $199 → $270 |
| Apr-27-26 | Reiterated | Maxim Group | Buy | $191 → $200 |
| Apr-24-26 | Reiterated | Stephens & Co. | Overweight | $210 |
| Jan-29-26 | Reiterated | Maxim Group | Buy | $150 → $191 |
| Dec-12-25 | Reiterated | Seaport Global | $189 | |
| Dec-12-25 | Reiterated | BTIG | Buy | $144 → $199 |
| Oct-24-25 | Reiterated | BTIG | Buy | $110 → $144 |
| Oct-23-24 | Reiterated | Maxim Group | Buy | $100 → $108 |
Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business 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 also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 3,011 | 3,152 | 2,658 | 2,118 | 1,736 | 1,208 | 1,084 | 1,175 | 973 | |
| Cost of Goods Sold Incl. D&A | 784 | 1,572 | 1,419 | 1,082 | 734 | 260 | 486 | 678 | 583 | |
| Gross Profit | 2,227 | 1,580 | 1,239 | 1,035 | 1,002 | 948 | 598 | 496 | 390 | |
| Selling, General and Administrative Excl. Other | 911 | 791 | 680 | 575 | 523 | 428 | 210 | 224 | 201 | |
| Research and Development | 68 | 68 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Other Operating Expense | 417 | -18 | -26 | 38 | 95 | 107 | 30 | 24 | 13 | |
| Operating Income | 831 | 739 | 585 | 422 | 384 | 413 | 358 | 248 | 176 | |
| Interest Expense | -103 | 170 | 0 | 195 | 116 | 77 | 87 | 76 | 79 | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | -472 | -169 | -314 | 0 | 4 | 1 | 164 | -3 | -27 | |
| Net Income Before Taxes | 462 | 401 | 271 | 227 | 273 | 337 | 435 | 170 | 69 | |
| Income Taxes | 107 | 93 | 62 | 52 | 65 | 80 | 57 | 42 | 5 | |
| Consolidated Net Income | 355 | 308 | 209 | 175 | 207 | 256 | 378 | 37 | 70 | |
| Net Income From Continuing Operations | 355 | 308 | 209 | 175 | 207 | 257 | 378 | 128 | 64 | |
| Net Income | 355 | 308 | 209 | 175 | 207 | 256 | 378 | 37 | 70 | |
| EPS (Recurring) | 14.29 | 12.26 | 7.78 | 5.71 | 6.42 | 7.05 | 11.85 | 3.80 | 2.06 | |
| EPS (Basic, Before Extraordinaries) | 14.29 | 12.26 | 7.78 | 5.71 | 6.42 | 7.05 | 11.85 | 3.80 | 2.06 | |
| EPS (Diluted) | 13.48 | 11.58 | 7.43 | 5.49 | 6.19 | 6.79 | 11.70 | 3.72 | 1.99 | |
| EBITDA | 781 | 530 | 335 | 266 | 305 | 372 | 291 | 188 | 110 | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 19.12 | 13.58 | 12.90 | 10.08 | 6.20 | 6.03 | 2.12 | 6.47 | 9.78 | |
| Price To Sales Ratio | 2.14 | 1.25 | 0.97 | 0.81 | 0.71 | 1.22 | 0.73 | 0.70 | 0.68 | |
| Gross Margin | 73.96 | 50.13 | 46.61 | 48.87 | 57.72 | 78.48 | 55.17 | 42.21 | 40.08 | |
| Operating Margin | 27.60 | 23.45 | 22.01 | 19.92 | 22.12 | 34.19 | 33.03 | 21.11 | 18.09 | |
| Net Margin | 11.79 | 9.77 | 7.86 | 8.26 | 11.92 | 21.19 | 34.87 | 3.15 | 7.19 | |
| Shares Outstanding | 25 | 25 | 27 | 31 | 32 | 36 | 32 | 34 | 34 | |
| Market Capitalization | 6,445 | 3,930 | 2,589 | 1,716 | 1,228 | 1,475 | 793 | 818 | 662 | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| Fisher David | Executive Chairman | Jul 15 '26 | Sale | 231.45 | 11,494 | 2,660,332 | 306,444 | Jul 16 |
| Fisher David | Executive Chairman | Jul 15 '26 | Option Exercise | 20.73 | 11,494 | 238,271 | 317,938 | Jul 16 |
| Fisher David | Executive Chairman | Jul 14 '26 | Option Exercise | 20.73 | 17,006 | 352,534 | 323,450 | Jul 16 |
| Fisher David | Executive Chairman | Jul 14 '26 | Sale | 231.51 | 17,006 | 3,936,993 | 306,444 | Jul 16 |
| TEBBE MARK | Director | Jun 18 '26 | Sale | 201.37 | 20,000 | 4,027,360 | 50,029 | Jun 23 |
| Fisher David | Executive Chairman | Jun 17 '26 | Option Exercise | 20.73 | 33,060 | 685,334 | 339,504 | Jun 22 |
| Fisher David | Executive Chairman | Jun 17 '26 | Sale | 199.05 | 33,060 | 6,580,639 | 306,444 | Jun 22 |
| GOODYEAR WILLIAM M | Director | Jun 16 '26 | Sale | 188.02 | 3,500 | 658,055 | 50,820 | Jun 16 |
| RICE LINDA JOHNSON | Director | May 29 '26 | Sale | 161.20 | 1,300 | 209,556 | 6,277 | Jun 02 |
| Fisher David | Executive Chairman | May 22 '26 | Option Exercise | 20.73 | 3,076 | 63,765 | 309,520 | May 26 |
| Fisher David | Executive Chairman | May 22 '26 | Sale | 158.45 | 3,076 | 487,382 | 306,444 | May 26 |
| Fisher David | Executive Chairman | May 21 '26 | Option Exercise | 20.73 | 7,180 | 148,841 | 313,624 | May 26 |
| Fisher David | Executive Chairman | May 21 '26 | Sale | 160.37 | 7,180 | 1,151,474 | 306,444 | May 26 |
| GOODYEAR WILLIAM M | Director | May 18 '26 | Sale | 166.08 | 6,231 | 1,034,830 | 68,740 | May 20 |
| Fisher David | Executive Chairman | May 07 '26 | Sale | 173.18 | 20,000 | 3,463,568 | 306,444 | May 11 |