Enova International, Inc.
General ticker "ENVA" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $3.3B (TTM average)
Enova International, Inc. follows the US Stock Market performance with the rate: 61.6%.
Estimated limits based on current volatility of 1.7%: low 228.40$, high 236.40$
Factors to consider:
- Earnings expected soon, date: 2026-07-23 amc
- Total employees count: 1836 (+2.7%) as of 2025
- US accounted for 98.0% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Regulatory and compliance, IT system failures, Cybersecurity threats, Customer defaults, Capital access
- Current price 25.4% above estimated high
- Earnings for 3 months up through Q1 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [117.75$, 185.41$]
- 2026-12-31 to 2027-12-31 estimated range: [118.45$, 187.81$]
Financial Metrics affecting the ENVA estimates:
- Negative: with PPE of 12.5 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 45.11 > 12.93
- Positive: Operating profit margin, % of 23.46 > 18.40
- Positive: 19.19 < Shareholder equity ratio, % of 20.67 <= 42.57
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: 1.77 < Return on assets ratio (scaled to [-100,100]) of 4.55
- Positive: 0.02 < Industry earnings per price (median), % of 3.82
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term ENVA quotes
Long-term ENVA plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $2,117.64MM | $2,657.80MM | $3,151.65MM |
| Operating Expenses | $1,695.50MM | $2,073.04MM | $2,412.22MM |
| Operating Income | $422.13MM | $584.76MM | $739.43MM |
| Non-Operating Income | $-194.89MM | $-313.66MM | $-338.40MM |
| Interest Expense | $194.78MM | $290.44MM | $339.31MM |
| R&D Expense | $194.91MM | $224.39MM | $258.18MM |
| Income(Loss) | $227.25MM | $271.10MM | $401.03MM |
| Taxes | $52.13MM | $61.65MM | $92.64MM |
| Net Income(Loss)* | $175.12MM | $209.45MM | $308.39MM |
| Stockholders Equity | $1,240.18MM | $1,196.92MM | $1,336.72MM |
| Assets | $4,585.54MM | $5,266.13MM | $6,468.43MM |
| Operating Cash Flow | $1,166.87MM | $1,538.58MM | $1,819.12MM |
| Capital expenditure | $45.24MM | $43.42MM | $47.14MM |
| Investing Cash Flow | $-1,494.66MM | $-1,911.19MM | $-2,445.78MM |
| Financing Cash Flow | $526.54MM | $318.88MM | $711.82MM |
| Earnings Per Share** | $5.71 | $7.78 | $12.46 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.