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Enova International, Inc. (ENVA)
Price$165.23
Favorite Metrics
Price vs S&P 500 (26W)47.79%
Price vs S&P 500 (4W)11.12%
Market Capitalization$4.11B
P/E Ratio (Annual)13.31x
All Metrics
P/CF (Annual)2.26x
Book Value / Share (Quarterly)$54.08
P/TBV (Annual)2.92x
Revenue Growth (3Y)17.87%
Cash Flow / Share (Quarterly)$71.69
Price vs S&P 500 (YTD)-0.57%
Gross Margin (TTM)100.00%
Net Profit Margin (TTM)16.85%
EPS (TTM)$11.57
10-Day Avg Trading Volume0.19M
EPS Excl Extra (TTM)$11.57
Revenue Growth (5Y)21.75%
EPS (Annual)$11.52
ROI (Annual)5.29%
Gross Margin (Annual)100.00%
Net Profit Margin (5Y Avg)17.67%
Cash / Share (Quarterly)$2.90
P/E Basic Excl Extra (TTM)13.31x
Revenue Growth QoQ (YoY)21.51%
EPS Growth (5Y)-0.31%
P/E Normalized (Annual)13.31x
ROA (Last FY)4.77%
Revenue Growth TTM (YoY)19.67%
EBITD / Share (TTM)$29.26
ROE (5Y Avg)19.13%
Operating Margin (TTM)40.35%
Cash Flow / Share (Annual)$71.69
P/B Ratio3.07x
P/B Ratio (Quarterly)2.91x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)4.66x
Net Interest Coverage (TTM)2.19x
ROA (TTM)5.22%
EPS Growth QoQ (YoY)30.61%
EV / EBITDA (TTM)10.93x
EPS Incl Extra (Annual)$11.52
Current Ratio (Annual)19.62x
Quick Ratio (Quarterly)19.62x
3-Month Avg Trading Volume0.30M
52-Week Price Return78.79%
EV / Free Cash Flow (Annual)4.81x
P/E Incl Extra (TTM)13.31x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$53.94
P/S Ratio (Annual)2.24x
Asset Turnover (Annual)0.28x
52-Week High$176.68
Operating Margin (5Y Avg)37.38%
EPS Excl Extra (Annual)$11.52
CapEx CAGR (5Y)9.83%
Tangible BV CAGR (5Y)8.38%
26-Week Price Return56.53%
Quick Ratio (Annual)19.62x
13-Week Price Return1.82%
Total Debt / Equity (Annual)3.37x
Current Ratio (Quarterly)19.62x
Enterprise Value$8,531.681
Revenue / Share Growth (5Y)26.40%
Asset Turnover (TTM)0.31x
Book Value / Share Growth (5Y)16.11%
Revenue / Employee (Annual)$1
Pretax Margin (Annual)21.91%
Cash / Share (Annual)$2.90
3-Month Return Std Dev40.89%
Gross Margin (5Y Avg)69.98%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)7.61%
EBITDA Interim CAGR (5Y)-7.67%
ROE (Last FY)23.07%
Net Interest Coverage (Annual)2.19x
EPS Basic Excl Extra (Annual)$11.52
P/FCF (TTM)2.32x
Receivables Turnover (TTM)0.39x
EV / Free Cash Flow (TTM)4.81x
Total Debt / Equity (Quarterly)3.37x
EPS Incl Extra (TTM)$11.57
Receivables Turnover (Annual)0.44x
ROI (TTM)5.77%
P/S Ratio (TTM)2.24x
Pretax Margin (5Y Avg)23.09%
Revenue / Share (Annual)$68.36
Tangible BV / Share (Annual)$53.94
Forward P/E10.44x
Free OCF CAGR (5Y)20.02%
Price vs S&P 500 (52W)43.70%
P/E Ratio (TTM)13.31x
EPS Growth TTM (YoY)56.49%
Year-to-Date Return3.57%
5-Day Price Return8.03%
EPS Normalized (Annual)$11.52
ROA (5Y Avg)5.47%
Net Profit Margin (Annual)16.85%
Month-to-Date Return19.86%
Cash Flow / Share (TTM)$7.07
EBITD / Share (Annual)$29.14
EPS Growth (3Y)22.99%
Operating Margin (Annual)40.35%
LT Debt / Equity (Annual)3.37x
P/CF (TTM)2.26x
ROI (5Y Avg)6.05%
P/E Excl Extra (TTM)13.31x
LT Debt / Equity (Quarterly)3.37x
EPS Basic Excl Extra (TTM)$11.57
P/TBV (Quarterly)2.92x
P/B Ratio (Annual)2.91x
Pretax Margin (TTM)21.91%
Book Value / Share (Annual)$54.08
Price vs S&P 500 (13W)-1.05%
Net Margin Growth (5Y)-21.13%
Beta1.31x
P/FCF (Annual)2.32x
Revenue / Share (TTM)$69.18
ROE (TTM)24.45%
52-Week Low$88.11
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
4.21
4.21
4.31
4.31
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
ENVAEnova International, Inc. | 13.31x | 24.45% | 40.35% | 21.75% | $165.23 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 428.06x | 8.83% | 6.21% | 44.63% | $67.06 |
OMFOneMain Holdings, Inc. | 8.97x | 23.40% | 16.04% | 4.82% | $59.92 |
CACCCredit Acceptance Corp | 13.36x | 26.63% | 44.38% | 6.78% | $542.71 |
NNINelnet, Inc. Class A | 11.67x | 11.96% | 26.54% | 7.13% | $138.72 |
SLMSLM Corporation | 6.13x | 31.14% | 26.74% | 7.17% | $23.11 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 6.13x | 31.14% | 26.74% | 7.17% | $74.60 |
BFHBread Financial Holdings, Inc. | 7.59x | 16.12% | 13.65% | 3.44% | $91.75 |
LCLendingClub Corporation | 14.91x | 9.47% | 11.38% | 2.92% | $17.92 |
ATLCAtlanticus Holdings Corporation | 8.95x | 19.92% | 18.46% | 13.90% | $72.98 |
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 8.95x | 19.92% | 18.46% | 13.90% | $24.99 |
About
Enova International is an online financial services provider offering short-term consumer loans, lines of credit, and installment loans to retail consumers and small businesses, primarily in the United States and Brazil. The company operates multiple lending brands including CashNetUSA, NetCredit, and OnDeck, alongside a money transfer platform called Pangea. Its technology-driven platform processes credit applications quickly and efficiently, with the majority of revenue generated in the United States and the remainder from international markets.