Price Alert

Enova International Inc. (ENVA)

NYSE: ENVA · Real-Time Price · USD

106.77

-3.32 (-3.02%)

At close: Aug 15, 2025, 12:25 PM

Enova International Statistics

Share Statistics

Enova International has 25.01M shares outstanding. The number of shares has increased by -3.9% in one year.

Shares Outstanding	25.01M
Shares Change (YoY)	-3.9%
Shares Change (QoQ)	-1.65%
Owned by Institutions (%)	90.92%
Shares Floating	23.6M
Failed to Deliver (FTD) Shares	449
FTD / Avg. Volume	0.15%

Short Selling Information

The latest short interest is 2.28M, so 8.98% of the outstanding shares have been sold short.

Short Interest	2.28M
Short % of Shares Out	8.98%
Short % of Float	11.85%
Short Ratio (days to cover)	7.99

Valuation Ratios

The PE ratio is 12.32 and the forward PE ratio is 7.28. Enova International's PEG ratio is 0.34.

PE Ratio	12.32
Forward PE	7.28
PS Ratio	0.97
Forward PS	0.7
PB Ratio	2.16
P/FCF Ratio	1.73
PEG Ratio	0.34

Financial Ratio History

Enterprise Valuation

Enova International has an Enterprise Value (EV) of 6.1B.

EV / Sales	2.3
EV / EBITDA	18.24
EV / EBIT	3.97
EV / FCF	4.08

Financial Position

The company has a current ratio of 9.96, with a Debt / Equity ratio of 3.

Current Ratio	9.96
Quick Ratio	9.96
Debt / Equity	3
Debt / EBITDA	10.75
Debt / FCF	2.4
Interest Coverage	-2.01

Financial Efficiency

Return on Equity is 17.5% and Return on Invested Capital is 9.01%.

Return on Equity	17.5%
Return on Assets	3.98%
Return on Invested Capital	9.01%
Revenue Per Employee	$1.49M
Profits Per Employee	$117.21K
Employee Count	1,787
Asset Turnover	0.5
Inventory Turnover	n/a

Taxes

Income Tax	61.65M
Effective Tax Rate	22.74%

Stock Price Statistics

The stock price has increased by 36.29% in the last 52 weeks. The beta is 1.48, so Enova International's price volatility has been higher than the market average.

Beta	1.48
52-Week Price Change	36.29%
50-Day Moving Average	105.02
200-Day Moving Average	100.5
Relative Strength Index (RSI)	41.96
Average Volume (20 Days)	301,693

Income Statement

In the last 12 months, Enova International had revenue of 2.66B and earned 209.45M in profits. Earnings per share was 7.78.

Revenue	2.66B
Gross Profit	1.24B
Operating Income	584.76M
Net Income	209.45M
EBITDA	334.52M
EBIT	294.32M
Earnings Per Share (EPS)	7.78

Full Income Statement

Balance Sheet

The company has 73.91M in cash and 3.6B in debt, giving a net cash position of -3.52B.

Cash & Cash Equivalents	73.91M
Total Debt	3.6B
Net Cash	-3.52B
Retained Earnings	1.7B
Total Assets	5.72B
Working Capital	55.56M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 1.54B and capital expenditures -43.42M, giving a free cash flow of 1.5B.

Operating Cash Flow	1.54B
Capital Expenditures	-43.42M
Free Cash Flow	1.5B
FCF Per Share	55.54

Full Cash Flow Statement

Margins

Gross margin is 46.62%, with operating and profit margins of 22% and 7.88%.

Gross Margin	46.62%
Operating Margin	22%
Pretax Margin	10.2%
Profit Margin	7.88%
EBITDA Margin	12.59%
EBIT Margin	22%
FCF Margin	56.26%

Dividends & Yields

ENVA does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	n/a
Earnings Yield	8.11%
FCF Yield	57.93%

Dividend Details

Analyst Forecast

The average price target for ENVA is $135, which is 29.5% higher than the current price. The consensus rating is "Buy".

Price Target	$135
Price Target Difference	29.5%
Analyst Consensus	Buy
Analyst Count	7

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$38.9
Lynch Upside	-62.69%
Graham Number	88.22
Graham Upside	-15.38%

Scores

Altman Z-Score	1.47
Piotroski F-Score	6