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Enova International, Inc. (ENVA)
Price$168.82
Value ScoreC
Growth ScoreC
Momentum ScoreA
Favorite Metrics
Price vs S&P 500 (26W)20.86%
Price vs S&P 500 (4W)-3.47%
VGM Score65.08
Market Capitalization$4.20B
P/E Ratio (Annual)13.62x
All Metrics
P/CF (Annual)2.31x
Book Value / Share (Quarterly)$56.25
P/TBV (Annual)2.92x
Revenue Growth (3Y)17.87%
Cash Flow / Share (Quarterly)$74.54
Price vs S&P 500 (YTD)-0.77%
Gross Margin (TTM)100.00%
Net Profit Margin (TTM)16.89%
EPS (TTM)$12.33
10-Day Avg Trading Volume0.18M
EPS Excl Extra (TTM)$12.33
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)$3.86
P/E Basic Excl Extra (TTM)12.87x
Revenue Growth QoQ (YoY)24.12%
EPS Growth (5Y)-0.31%
P/E Normalized (Annual)13.62x
ROA (Last FY)4.77%
Revenue Growth TTM (YoY)20.08%
EBITD / Share (TTM)$30.75
ROE (5Y Avg)19.13%
Operating Margin (TTM)40.02%
Cash Flow / Share (Annual)$71.69
P/B Ratio3.00x
P/B Ratio (Quarterly)2.41x
Net Income / Employee (Annual)$168,000
EV / Revenue (TTM)4.62x
Net Interest Coverage (TTM)2.19x
ROA (TTM)5.22%
EPS Growth QoQ (YoY)28.47%
EV / EBITDA (TTM)10.98x
EPS Incl Extra (Annual)$11.52
Current Ratio (Annual)19.62x
Quick Ratio (Quarterly)22.72x
3-Month Avg Trading Volume0.27M
52-Week Price Return79.61%
EV / Free Cash Flow (Annual)5.04x
P/E Incl Extra (TTM)12.87x
Revenue / Employee (TTM)$1,052,800
Tangible BV / Share (Quarterly)$56.15
P/S Ratio (Annual)2.30x
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 Return28.78%
Quick Ratio (Annual)19.62x
13-Week Price Return18.88%
Total Debt / Equity (Annual)3.37x
Current Ratio (Quarterly)22.72x
Enterprise Value$8.94B
Revenue / Share Growth (5Y)26.40%
Asset Turnover (TTM)0.31x
Book Value / Share Growth (5Y)16.11%
Revenue / Employee (Annual)$996,900
Pretax Margin (Annual)21.91%
Cash / Share (Annual)$2.90
3-Month Return Std Dev34.77%
Gross Margin (5Y Avg)69.98%
Net Income / Employee (TTM)$177,900
EBITDA CAGR (5Y)7.61%
EBITDA Interim CAGR (5Y)10.74%
ROE (Last FY)23.07%
Net Interest Coverage (Annual)2.21x
EPS Basic Excl Extra (Annual)$11.52
P/FCF (TTM)2.26x
Receivables Turnover (TTM)0.39x
EV / Free Cash Flow (TTM)4.81x
Total Debt / Equity (Quarterly)3.45x
EPS Incl Extra (TTM)$12.33
Receivables Turnover (Annual)0.44x
ROI (TTM)5.77%
P/S Ratio (TTM)2.17x
Pretax Margin (5Y Avg)23.09%
Revenue / Share (Annual)$68.36
Tangible BV / Share (Annual)$53.94
Forward P/E10.26x
Free OCF CAGR (5Y)20.02%
Price vs S&P 500 (52W)55.25%
P/E Ratio (TTM)12.87x
EPS Growth TTM (YoY)46.10%
Year-to-Date Return7.39%
5-Day Price Return2.73%
EPS Normalized (Annual)$11.52
ROA (5Y Avg)5.47%
Net Profit Margin (Annual)16.85%
Month-to-Date Return4.53%
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)2.21x
ROI (5Y Avg)6.05%
P/E Excl Extra (TTM)12.87x
LT Debt / Equity (Quarterly)3.45x
EPS Basic Excl Extra (TTM)$12.33
P/TBV (Quarterly)2.42x
P/B Ratio (Annual)2.91x
Pretax Margin (TTM)21.88%
Book Value / Share (Annual)$54.08
Price vs S&P 500 (13W)10.62%
Net Margin Growth (5Y)-21.13%
Beta1.30x
P/FCF (Annual)2.37x
Revenue / Share (TTM)$73.36
ROE (TTM)24.88%
52-Week Low$92.55
vGradeC
gGradeC
mGradeA
vgmGradeB
Show chart for
Earnings Surprise History
Q1 263.87est. 3.74
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
4.31
4.31
4.31
4.31
Industry Peers — Personal Credit Institutions(14)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
ENVAEnova International, Inc. | C | C | A | $168.82 |
| AFRMAffirm Holdings, Inc. Class A Common Stock | D | B | B | $63.61 |
| OMFOneMain Holdings, Inc. | B | D | B | $55.36 |
| CACCCredit Acceptance Corp | C | C | B | $544.71 |
| NNINelnet, Inc. Class A | C | C | B | $129.03 |
| SLMSLM Corporation | C | C | B | $22.39 |
| BFHBread Financial Holdings, Inc. | B | C | A | $91.11 |
| LCLendingClub Corporation | C | C | B | $17.15 |
| ATLCAtlanticus Holdings Corporation | C | C | A | $84.10 |
| ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | C | C | A | $25.18 |
| ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029 | C | C | A | $25.60 |
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.