Overview Dividends

(ENVA) Enova International - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US29357K1034

Online,Installment,Loan,Credit,Transfer

ENVA EPS (Earnings per Share)

EPS Growth (3Y CAGR): 23.68%
EPS Trend (3Y Correlation): 71.6%

ENVA Revenue

Revenue Growth (3Y CAGR): 20.63%
Revenue Trend (3Y Correlation): 99.1%

Description: ENVA Enova International

Enova International Inc (NYSE:ENVA) is a technology-driven financial services company offering online lending products and services in the US, Brazil, and other international markets. The companys diverse product portfolio includes installment loans, lines of credit, and cash advance services, marketed under various brand names such as CashNetUSA and NetCredit.

Key performance indicators (KPIs) for Enova International include revenue growth, net interest margin, and delinquency rates. With a market capitalization of $2.65 billion, the companys stock has shown a relatively stable performance, with a current price of $100.56. The companys return on equity (ROE) of 21.35% indicates a strong ability to generate profits from shareholder equity.

From a valuation perspective, Enova Internationals price-to-earnings (P/E) ratio of 11.28 and forward P/E of 9.03 suggest that the stock may be undervalued relative to its earnings potential. Additionally, the companys consumer finance business model is characterized by high-interest rates and fees, which can contribute to revenue growth. However, this business model also comes with inherent risks, such as high delinquency rates and regulatory scrutiny.

To further evaluate Enova Internationals investment potential, it is essential to monitor its key metrics, including revenue growth, net charge-offs, and operating expenses. A thorough analysis of these KPIs can provide insights into the companys financial health, operational efficiency, and overall competitiveness in the consumer finance industry.

ENVA Stock Overview

Market Cap in USD	2,867m
Sub-Industry	Consumer Finance
IPO / Inception	2014-11-13

ENVA Stock Ratings

Growth Rating	83.9%
Fundamental	73.8%
Dividend Rating	-
Return 12m vs S&P 500	22.8%
Analyst Rating	4.50 of 5

ENVA Dividends

Currently no dividends paid

ENVA Growth Ratios

Growth Correlation 3m	54.5%
Growth Correlation 12m	53.4%
Growth Correlation 5y	93.4%
CAGR 5y	48.24%
CAGR/Max DD 5y	1.13
Sharpe Ratio 12m	1.11
Alpha	24.74
Beta	1.374
Volatility	38.04%
Current Volume	229.2k
Average Volume 20d	233.6k
Stop Loss	117.6 (-3.1%)
Signal	-0.24

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (256.2m TTM) > 0 and > 6% of Revenue (6% = 175.7m TTM)

FCFTA 0.28 (>2.0%) and ΔFCFTA 2.43pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -6.89% (prev 169.2%; Δ -176.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.29 (>3.0%) and CFO 1.67b > Net Income 256.2m (YES >=105%, WARN >=100%)

Net Debt (3.91b) to EBITDA (305.3m) ratio: 12.80 <= 3.0 (WARN <= 3.5)

Current Ratio 0.22 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (27.1m) change vs 12m ago -3.15% (target <= -2.0% for YES)

Gross Margin 46.75% (prev 60.42%; Δ -13.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 55.57% (prev 49.27%; Δ 6.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio -3.06 (EBITDA TTM 305.3m / Interest Expense TTM -86.4m) >= 6 (WARN >= 3)

Altman Z'' 1.59

(A) -0.04 = (Total Current Assets 55.6m - Total Current Liabilities 257.5m) / Total Assets 5.72b

(B) 0.32 = Retained Earnings (Balance) 1.85b / Total Assets 5.72b

(D) 0.41 = Book Value of Equity 1.84b / Total Liabilities 4.50b

Total Rating: 1.59 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 73.81

1. Piotroski 6.0pt = 1.0

2. FCF Yield 23.07% = 5.0

3. FCF Margin 55.39% = 7.50

4. Debt/Equity 3.44 = -1.39

5. Debt/Ebitda 13.83 = -2.50

6. ROIC - WACC 0.64% = 0.80

7. RoE 21.35% = 1.78

8. Rev. Trend 99.13% = 4.96

9. Rev. CAGR 20.63% = 2.50

10. EPS Trend 71.65% = 1.79

11. EPS CAGR 23.68% = 2.37

What is the price of ENVA shares?

As of August 31, 2025, the stock is trading at USD 121.30 with a total of 229,192 shares traded.
Over the past week, the price has changed by +6.42%, over one month by +16.77%, over three months by +30.01% and over the past year by +43.64%.

Is Enova International a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Enova International (NYSE:ENVA) is currently (August 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 73.81 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ENVA is around 160.01 USD . This means that ENVA is currently undervalued and has a potential upside of +31.91% (Margin of Safety).

Is ENVA a buy, sell or hold?

Enova International has received a consensus analysts rating of 4.50. Therefore, it is recommended to buy ENVA.

Strong Buy: 5
Buy: 2
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the ENVA price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	131.1	8.1%
Analysts Target Price	131.1	8.1%
ValueRay Target Price	170.5	40.6%

Last update: 2025-08-26 10:00

ENVA Fundamental Data Overview

Market Cap USD = 2.87b (2.87b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 55.6m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 12.1538
P/E Forward = 9.7087
P/S = 2.102
P/B = 2.3332
Beta = 1.482
Revenue TTM = 2.93b USD
EBIT TTM = 264.7m USD
EBITDA TTM = 305.3m USD
Long Term Debt = 3.96b USD (from longTermDebt, last quarter)
Short Term Debt = 257.5m USD (from totalCurrentLiabilities, last quarter)
Debt = 4.22b USD (Calculated: Short Term 257.5m + Long Term 3.96b)
Net Debt = 3.91b USD (from netDebt column, last quarter)
Enterprise Value = 7.03b USD (2.87b + Debt 4.22b - CCE 55.6m)
Interest Coverage Ratio = -3.06 (Ebit TTM 264.7m / Interest Expense TTM -86.4m)
FCF Yield = 23.07% (FCF TTM 1.62b / Enterprise Value 7.03b)
FCF Margin = 55.39% (FCF TTM 1.62b / Revenue TTM 2.93b)
Net Margin = 8.75% (Net Income TTM 256.2m / Revenue TTM 2.93b)
Gross Margin = 46.75% ((Revenue TTM 2.93b - Cost of Revenue TTM 1.56b) / Revenue TTM)
Tobins Q-Ratio = 3.83 (Enterprise Value 7.03b / Book Value Of Equity 1.84b)
Interest Expense / Debt = -1.96% (Interest Expense -82.8m / Debt 4.22b)
Taxrate = 22.74% (from yearly Income Tax Expense: 61.7m / 271.1m)
NOPAT = 204.5m (EBIT 264.7m * (1 - 22.74%))
Current Ratio = 0.22 (Total Current Assets 55.6m / Total Current Liabilities 257.5m)
Debt / Equity = 3.44 (Debt 4.22b / last Quarter total Stockholder Equity 1.23b)
Debt / EBITDA = 13.83 (Net Debt 3.91b / EBITDA 305.3m)
Debt / FCF = 2.60 (Debt 4.22b / FCF TTM 1.62b)
Total Stockholder Equity = 1.20b (last 4 quarters mean)
RoA = 4.48% (Net Income 256.2m, Total Assets 5.72b )
RoE = 21.35% (Net Income TTM 256.2m / Total Stockholder Equity 1.20b)
RoCE = 5.13% (Ebit 264.7m / (Equity 1.20b + L.T.Debt 3.96b))
RoIC = 4.22% (NOPAT 204.5m / Invested Capital 4.84b)
WACC = 3.58% (E(2.87b)/V(7.09b) * Re(11.08%)) + (D(4.22b)/V(7.09b) * Rd(-1.96%) * (1-Tc(0.23)))
Shares Correlation 5-Years: -100.0 | Cagr: -7.73%
Discount Rate = 11.08% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.21% ; FCFE base≈1.47b ; Y1≈1.82b ; Y5≈3.10b
Fair Price DCF = 1294 (DCF Value 32.36b / Shares Outstanding 25.0m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 99.13 | Revenue CAGR: 20.63%
Rev Growth-of-Growth: 0.46
EPS Correlation: 71.65 | EPS CAGR: 23.68%
EPS Growth-of-Growth: 46.80

Additional Sources for ENVA Stock

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