Enova International, Inc.
General ticker "ENVA" information:
- Sector: Financials
- Industry: Consumer Finance
- Capitalization: $2.7B (TTM average)
Enova International, Inc. closely follows the US Stock Market performance with the rate: 76.1%.
Estimated limits based on current volatility of 1.0%: low 133.22$, high 136.04$
Factors to consider:
- Total employees count: 1787 as of 2024
- US accounted for 98.0% of revenue in the fiscal year ended 2024-12-31
- Top business risk factors: Regulatory and compliance, Cybersecurity threats, Reduced demand, Market competition, Third-party risks
- Current price 16.5% above estimated high
- Earnings for 9 months up through Q3 exceed 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [75.68$, 116.90$]
- 2025-12-31 to 2026-12-31 estimated range: [77.66$, 120.99$]
Financial Metrics affecting the ENVA estimates:
- Negative: with PPE of 10.5 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 22.00 > 18.64
- Positive: Operating cash flow per share per price, % of 59.05 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.33
- Positive: 1.87 < Return on assets ratio (scaled to [-100,100]) of 3.83
- Positive: Industry operating profit margin (median), % of 12.35 > 9.92
- Positive: 18.93 < Shareholder equity ratio, % of 22.73 <= 41.86
Short-term ENVA quotes
Long-term ENVA plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $1,736.09MM | $2,117.64MM | $2,657.80MM |
| Operating Expenses | $1,352.09MM | $1,695.50MM | $2,073.04MM |
| Operating Income | $383.99MM | $422.13MM | $584.76MM |
| Non-Operating Income | $-111.42MM | $-194.89MM | $-313.66MM |
| Interest Expense | $115.89MM | $194.78MM | $290.44MM |
| Income(Loss) | $272.57MM | $227.25MM | $271.10MM |
| Taxes | $65.15MM | $52.13MM | $61.65MM |
| Profit(Loss)* | $207.42MM | $175.12MM | $209.45MM |
| Stockholders Equity | $1,186.14MM | $1,240.18MM | $1,196.92MM |
| Assets | $3,780.89MM | $4,585.54MM | $5,266.13MM |
| Operating Cash Flow | $894.00MM | $1,166.87MM | $1,538.58MM |
| Capital expenditure | $43.63MM | $45.24MM | $43.42MM |
| Investing Cash Flow | $-1,666.27MM | $-1,494.66MM | $-1,911.19MM |
| Financing Cash Flow | $724.87MM | $526.54MM | $318.88MM |
| Earnings Per Share** | $6.42 | $5.71 | $7.78 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.