Enova International Inc. (ENVA)
Enova International Statistics
Share Statistics
Enova International has 25.79M shares outstanding. The number of shares has increased by -6.99% in one year.
| Shares Outstanding | 25.79M |
| Shares Change (YoY) | -6.99% |
| Shares Change (QoQ) | -0.72% |
| Owned by Institutions (%) | 90.52% |
| Shares Floating | 24.36M |
| Failed to Deliver (FTD) Shares | 977 |
| FTD / Avg. Volume | 0.41% |
Short Selling Information
The latest short interest is 1.77M, so 6.74% of the outstanding shares have been sold short.
| Short Interest | 1.77M |
| Short % of Shares Out | 6.74% |
| Short % of Float | 7.13% |
| Short Ratio (days to cover) | 7.12 |
Valuation Ratios
The PE ratio is 12.32 and the forward PE ratio is 10.4. Enova International's PEG ratio is 0.34.
| PE Ratio | 12.32 |
| Forward PE | 10.4 |
| PS Ratio | 0.97 |
| Forward PS | 0.6 |
| PB Ratio | 2.16 |
| P/FCF Ratio | 1.73 |
| PEG Ratio | 0.34 |
Enterprise Valuation
Enova International Inc. has an Enterprise Value (EV) of 4.31B.
| EV / Earnings | 20.58 |
| EV / Sales | 1.62 |
| EV / EBITDA | 12.88 |
| EV / EBIT | 7.37 |
| EV / FCF | 2.88 |
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 |
| Total Debt / Capitalization | 75.03 |
| Cash Flow / Debt | 0.43 |
| Interest Coverage | -2.01 |
Financial Efficiency
Return on equity (ROE) is 0.17% and return on capital (ROIC) is 9.43%.
| Return on Equity (ROE) | 0.17% |
| Return on Assets (ROA) | 0.04% |
| Return on Capital (ROIC) | 9.43% |
| Revenue Per Employee | $1,487,297.15 |
| Profits Per Employee | $117,206.49 |
| Employee Count | 1,787 |
| Asset Turnover | 0.5 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 61.65M |
| Effective Tax Rate | 0.23 |
Stock Price Statistics
The stock price has increased by 52.84% in the last 52 weeks. The beta is 1.44, so Enova International's price volatility has been higher than the market average.
| Beta | 1.44 |
| 52-Week Price Change | 52.84% |
| 50-Day Moving Average | 103.73 |
| 200-Day Moving Average | 89.58 |
| Relative Strength Index (RSI) | 45.3 |
| Average Volume (20 Days) | 236.8K |
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 | 584.76M |
| Earnings Per Share (EPS) | 7.78 |
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 |
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 |
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 | 8.1% |
| FCF Yield | 60.36% |
Analyst Forecast
The average price target for ENVA is $129, which is 34.3% higher than the current price. The consensus rating is "Buy".
| Price Target | $129 |
| Price Target Difference | 34.3% |
| Analyst Consensus | Buy |
| Analyst Count | 8 |
Scores
| Altman Z-Score | 2.59 |
| Piotroski F-Score | 6 |