Business Description
Enova International Inc
NAICS : 522298
SIC : 6141
ISIN : US29357K1034
Description
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 0.04 | |||||
| Equity-to-Asset | 0.32 | |||||
| Debt-to-Equity | 1.86 | |||||
| Debt-to-EBITDA | 7.59 | |||||
| Interest Coverage | 3.31 | |||||
| Piotroski F-Score | 5/9 | |||||
| Altman Z-Score | 2.63 | |||||
| Beneish M-Score | -3.23 | |||||
| WACC vs ROIC | ||||||
Growth Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 14.9 | |||||
| 3-Year EBITDA Growth Rate | 18.6 | |||||
| 3-Year EPS without NRI Growth Rate | 18.5 | |||||
| 3-Year FCF Growth Rate | 1.8 | |||||
| 3-Year Book Growth Rate | 49.3 | |||||
| Future 3-5Y Total Revenue Growth Rate | 18.49 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 55.1 | |||||
| 9-Day RSI | 53.51 | |||||
| 14-Day RSI | 50.88 | |||||
| 6-1 Month Momentum % | 14.74 | |||||
| 12-1 Month Momentum % | 74.17 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 15.02 | |||||
| Quick Ratio | 15.02 | |||||
| Cash Ratio | 0.44 | |||||
| Days Payable | 62.1 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Average Share Buyback Ratio | 1.8 | |||||
| Shareholder Yield % | -36.98 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 52.58 | |||||
| Operating Margin % | 13.88 | |||||
| Net Margin % | 10.47 | |||||
| ROE % | 17.06 | |||||
| ROA % | 5.51 | |||||
| ROIC % | 6.01 | |||||
| ROC (Joel Greenblatt) % | 235.11 | |||||
| ROCE % | 7.7 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 7.96 | |||||
| Forward PE Ratio | 5.24 | |||||
| PE Ratio without NRI | 7.96 | |||||
| Shiller PE Ratio | 11.2 | |||||
| Price-to-Owner-Earnings | 5.67 | |||||
| PEG Ratio | 0.18 | |||||
| PS Ratio | 0.86 | |||||
| PB Ratio | 1.22 | |||||
| Price-to-Tangible-Book | 1.61 | |||||
| Price-to-Free-Cash-Flow | 1.56 | |||||
| Price-to-Operating-Cash-Flow | 1.48 | |||||
| EV-to-EBIT | 14.1 | |||||
| EV-to-Forward-EBIT | 6.95 | |||||
| EV-to-EBITDA | 12.31 | |||||
| EV-to-Forward-EBITDA | 6.54 | |||||
| EV-to-Revenue | 1.96 | |||||
| EV-to-Forward-Revenue | 1.56 | |||||
| EV-to-FCF | 3.64 | |||||
| Price-to-Projected-FCF | 0.15 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.32 | |||||
| Price-to-Graham-Number | 0.75 | |||||
| Price-to-Net-Current-Asset-Value | 1.94 | |||||
| Earnings Yield (Greenblatt) % | 7.09 | |||||
| Forward Rate of Return (Yacktman) % | 63.31 |
Balance Sheet Breakdown
No Enough Data
Cashflow Statement Breakdown
No Enough Data
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsGurus Latest Trades with NYSE:ENVA
No Available Data
Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Enova International Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 1,925.051 | ||
| EPS (TTM) ($) | 6.19 | ||
| Beta | 1.45 | ||
| Volatility % | 43.9 | ||
| 14-Day RSI | 50.88 | ||
| 14-Day ATR ($) | 1.29321 | ||
| 20-Day SMA ($) | 49.2915 | ||
| 12-1 Month Momentum % | 74.17 | ||
| 52-Week Range ($) | 29 - 58.64 | ||
| Shares Outstanding (Mil) | 30.79 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 5 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Enova International Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Enova International Inc Stock Events
| Event | Date | Price($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Enova International Inc Frequently Asked Questions
What is Enova International Inc(ENVA)'s stock price today?
The current price of ENVA is $49.30. The 52 week high of ENVA is $58.64 and 52 week low is $29.00.
When is next earnings date of Enova International Inc(ENVA)?
The next earnings date of Enova International Inc(ENVA) is 2023-10-27 Est..
Does Enova International Inc(ENVA) pay dividends? If so, how much?
Enova International Inc(ENVA) does not pay dividend.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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