ENVA Stock Analysis: Enova International | NYSE
Credit Services | NYSE, USA | Market Cap: 5.420m USD | 12M Return: 140.8% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 92.3M
EPS Trend: 99.1%
Qual. Beats: 7
Rev. Trend: 99.8%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Enova International is a Chicago-based technology and analytics company that provides online financial services to consumers and small businesses, primarily operating in the United States and Brazil with additional international exposure. Founded in 2003, the company offers a diversified product suite including installment loans, lines of credit, CSO (credit services organization) programs that connect borrowers with third-party lenders, bank partnership programs for loan servicing and marketing, and money transfer services.
Enova distributes its products through multiple brand names, including CashNetUSA and NetCredit for consumer lending, OnDeck and Headway Capital for small business financing, and Simplic and Pangea for international operations. The company went public on the NYSE in November 2014 and is classified within the GICS Consumer Finance sub-industry, reflecting its focus on digital lending to near-prime and non-prime credit segments that are often underserved by traditional banks.
- Brazil loan growth accelerates through Simplic platform
- Net charge-offs rise as US subprime credit normalizes
- US small business loan originations pressured by tighter underwriting
| Net Income: 326.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.27 > 0.02 and ΔFCF/TA -1.14 > 1.0 |
| NWC/Revenue: -9.63% < 20% (prev 170.5%; Δ -180.2% < -1%) |
| CFO/TA 0.28 > 3% & CFO 1.90b > Net Income 326.5m |
| Net Debt (4.80b) to EBITDA (644.2m): 7.45 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.3m) vs 12m ago -2.79% < -2% |
| Gross Margin: 64.02% > 18% (prev 46.69%; Δ 17.32% > 0.5%) |
| Asset Turnover: 53.20% > 50% (prev 51.19%; Δ 2.02% > 0%) |
| Interest Coverage Ratio: 1.71 > 6 (EBIT TTM 603.5m / Interest Expense TTM 352.8m) |
| A: -0.05 (Total Current Assets 96.1m - Total Current Liabilities 412.1m) / Total Assets 6.88b |
| B: 0.30 (Retained Earnings 2.10b / Total Assets 6.88b) |
| C: 0.10 (EBIT TTM 603.5m / Avg Total Assets 6.17b) |
| D: 0.26 (Book Value of Equity 1.40b / Total Liabilities 5.48b) |
| Altman-Z'' = 1.62 = BB |
| DSRI: 1.07 (Receivables 5.91b/4.69b, Revenue 3.28b/2.79b) |
| GMI: 0.73 (GM 46.69% / 64.02%) |
| AQI: 16.70 (AQ_t 0.96 / AQ_t-1 0.06) |
| SGI: 1.17 (Revenue 3.28b / 2.79b) |
| TATA: -0.23 (NI 326.5m - CFO 1.90b) / TA 6.88b) |
| Beneish M = 6.20 (Cap -4..+1) = D |
As of July 28, 2026, the stock is trading at USD 251.96 with a total of 697,844 shares traded. Over the past week, the price has changed by +9.33%, over one month by +6.91%, over three months by +45.14% and over the past year by +140.83%.
Current recommended Stop Loss: 240.20 (which is 4.7% or 1.3 ATR below the current price).
Enova International has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy ENVA.
- StrongBuy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 250.7 | -0.5% |
P/E Trailing = 18.1198
P/E Forward = 13.624
P/S = 3.2037
P/B = 3.9497
Revenue TTM = 3.28b USD
EBIT TTM = 603.5m USD
EBITDA TTM = 644.2m USD
Long Term Debt = 4.70b USD (from longTermDebt, last quarter)
Short Term Debt = 130.0m USD (from shortTermDebt, last quarter)
Debt = 4.90b USD (from shortLongTermDebtTotal, last quarter) + Leases 31.7m
Net Debt = 4.80b USD (calculated: Debt 4.90b - CCE 96.1m)
Enterprise Value = 10.2b USD (5.42b + Debt 4.90b - CCE 96.1m)
Interest Coverage Ratio = 1.71 (Ebit TTM 603.5m / Interest Expense TTM 352.8m)
EV/FCF = 5.50x (Enterprise Value 10.2b / FCF TTM 1.86b)
FCF Yield = 18.18% (FCF TTM 1.86b / Enterprise Value 10.2b)
FCF Margin = 56.61% (FCF TTM 1.86b / Revenue TTM 3.28b)
Net Margin = 9.95% (Net Income TTM 326.5m / Revenue TTM 3.28b)
Gross Margin = 64.02% ((Revenue TTM 3.28b - Cost of Revenue TTM 1.18b) / Revenue TTM)
Gross Margin QoQ = none% (prev 59.79%)
Tobins Q-Ratio = 1.49 (Enterprise Value 10.2b / Total Assets 6.88b)
Interest Expense / Debt = 7.21% (Interest Expense 352.8m / Debt 4.90b)
Taxrate = 22.78% (96.3m / 422.9m)
NOPAT = 466.1m (EBIT 603.5m * (1 - 22.78%))
Current Ratio = 0.23 (Total Current Assets 96.1m / Total Current Liabilities 412.1m)
Debt / Equity = 3.49 (Debt 4.90b / totalStockholderEquity, last quarter 1.40b)
Debt / EBITDA = 7.45 (Net Debt 4.80b / EBITDA 644.2m)
Debt / FCF = 2.58 (Net Debt 4.80b / FCF TTM 1.86b)
Total Stockholder Equity = 1.31b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.29% (Net Income 326.5m / Total Assets 6.88b)
RoE = 24.88% (Net Income TTM 326.5m / Total Stockholder Equity 1.31b)
RoCE = 10.03% (EBIT 603.5m / Capital Employed (Equity 1.31b + L.T.Debt 4.70b))
RoIC = 7.17% (NOPAT 466.1m / Invested Capital 6.50b)
WACC = 8.22% (E(5.42b)/V(10.3b) * Re(10.62%) + D(4.90b)/V(10.3b) * Rd(7.21%) * (1-Tc(0.23)))
Discount Rate = 10.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -90.96 | Cagr: -6.82%
[DCF] Terminal Value 77.97% ; FCFF base≈1.73b ; Y1≈1.98b ; Y5≈2.92b
[DCF] Fair Price = 1.57k (EV 43.9b - Net Debt 4.80b = Equity 39.1b / Shares 24.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.09 | EPS CAGR: 37.55% | SUE: 4.0 | # QB: 7
Revenue Correlation: 99.76 | Revenue CAGR: 22.11% | SUE: 2.15 | # QB: 1
EPS current Quarter (2026-09-30): EPS=4.12 | Chg30d=+0.15% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=16.40 | Chg30d=+0.00% | Revisions=+62% | GrowthEPS=+26.5% | GrowthRev=+19.4%
EPS next Year (2027-12-31): EPS=19.57 | Chg30d=+0.20% | Revisions=+29% | GrowthEPS=+19.4% | GrowthRev=+16.6%
[Analyst] Revisions Ratio: +59% (up=12, down=2)