Enova International Inc.

89.62
-1.68 (-1.84%)
At close: Apr 21, 2025, 10:37 AM

Enova International Statistics

Share Statistics

Enova International has 25.79M shares outstanding. The number of shares has increased by -6.16% in one year.

Shares Outstanding 25.79M
Shares Change (YoY) -6.16%
Shares Change (QoQ) -1.57%
Owned by Institutions (%) 90.54%
Shares Floating 24.36M
Failed to Deliver (FTD) Shares 699
FTD / Avg. Volume 0.26%

Short Selling Information

The latest short interest is 1.57M, so 6.1% of the outstanding shares have been sold short.

Short Interest 1.57M
Short % of Shares Out 6.1%
Short % of Float 8.32%
Short Ratio (days to cover) 7.71

Valuation Ratios

The PE ratio is 12.32 and the forward PE ratio is 6.71. Enova International's PEG ratio is 0.34.

PE Ratio 12.32
Forward PE 6.71
PS Ratio 0.97
Forward PS 0.6
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 0.15, with a Debt / Equity ratio of 3.

Current Ratio 0.15
Quick Ratio 0.15
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 158.8%.

Return on Equity 17.5%
Return on Assets 3.98%
Return on Invested Capital 158.8%
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 50.39% in the last 52 weeks. The beta is 1.35, so Enova International's price volatility has been higher than the market average.

Beta 1.35
52-Week Price Change 50.39%
50-Day Moving Average 98.46
200-Day Moving Average 91.83
Relative Strength Index (RSI) 45.94
Average Volume (20 Days) 269.62K

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 5.27B
Working Capital 4.33B
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 $132, which is 44.6% higher than the current price. The consensus rating is "Buy".

Price Target $132
Price Target Difference 44.6%
Analyst Consensus Buy
Analyst Count 7
Stock Forecasts

Scores

Altman Z-Score 2.55
Piotroski F-Score 6