Enova International Inc.
ENVA | NYSE
$174.28
-$6.90 (-3.81%)
At close: Nov 5, 2026, 4:00 PM ET
$174.28
$0.00 (0.00%)
After-hours:
Nov 5, 2026, 4:00 PM ET
Market Data
Market Cap $4.26B
Enterprise Value $9.74B
Beta 1.37
Average Volume 369.86K
Shares Outstanding (Diluted) 26.43M
Shares Change YoY -0.14%
Institutional Ownership 96.30%
Exchange NYSE
ISIN US29357K1034
Price Performance
Price Change 1M -4.7%
Price Change 3M -31.9%
Price Change 6M 1.0%
Price Change YTD 10.9%
Price Change 1Y 41.9%
Price Change 3Y 310.6%
Price Change 5Y 330.3%
1M CAGR (ann.) 1.5%
1Y CAGR (ann.) 45.9%
5Y CAGR (ann.) 37.6%
All-Time CAGR 34.6%
Valuation
PE Ratio 12.49
Forward PE 8.50
PEG Ratio 0.34
Forward PEG 0.33
PS Ratio 1.38
Forward PS 1.00
PB Ratio 2.83
P/FCF Ratio 2.21
P/Adj. FCF Ratio 2.25
P/OCF Ratio 2.33
EV/Sales 3.03
EV/EBIT 11.08
EV/EBITDA 10.63
EV/FCF 4.85
Earnings Yield 8.0%
FCF Yield 45.3%
Adj. FCF Yield 44.5%
Financial Health
Net Debt $5.27B
Total Debt $5.41B
Cash & Short-Term Investments $105.96M
Total Assets $7.7B
Current Ratio 1.78
Quick Ratio 1.78
Debt / Equity Ratio 3.45
Debt / EBITDA 5.91
Debt / FCF 2.70
OCF / Debt 0.38
Interest Coverage 1,328.45
Altman Z-Score 1.69
Piotroski F-Score 6
Margins & Profitability
Gross Profit Margin 76.7%
Operating Profit Margin 27.4%
EBITDA Margin 28.5%
Net Profit Margin 11.9%
FCF Margin 62.4%
Adj. FCF Margin 61.3%
SBC / Revenue 1.1%
SBC Impact (per share) -1.8%
Returns
Return on Assets 5.0%
Return on Equity 26.4%
Return on Invested Capital 9.3%
Return on Capital Employed 12.0%
Return on Tangible Assets 5.2%
Historical Growth (CAGR)
Revenue CAGR 3Y 16.8%
Revenue CAGR 5Y 23.8%
Revenue CAGR 10Y 16.2%
EPS CAGR 3Y 34.9%
EPS CAGR 5Y 3.9%
EPS CAGR 10Y 31.9%
FCF CAGR 3Y 23.0%
FCF CAGR 5Y 37.3%
FCF CAGR 10Y 18.6%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 6
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 26, 2027
EPS Estimate (next Q) $4.62
EPS Growth Est (next Q) 33.5%
Revenue Est (next Q) $1.06B
Revenue Growth Est (next Q) 25.7%
Fair Value Estimates
Graham Number $139.19
Graham Upside -23.2%
Lynch Fair Value $72.55
Lynch Upside -60.0%
Price Target $254.60
Price Target Upside 40.5%
Cash Flow
Operating Cash Flow $2.05B
Free Cash Flow $2.01B
Adj. Free Cash Flow $1.97B
FCF Per Share $75.90
OCF Per Share $77.67
OCF/S Ratio 63.8%
Income Statement
Revenue $3.22B
Gross Profit $2.47B
Operating Income $880.76M
EBITDA $915.74M
Net Income $382.44M
EPS (Diluted) $14.51
Revenue / Employee $1.75M
Profit / Employee $208.3K
Employees 1,836
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