(ENVA) Enova International - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US29357K1034
Stock: Installment Loans, Line Of Credit, Money Transfer, Credit Services
Total Rating 68
Risk 95
Buy Signal 1.54
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 35.8% |
| Relative Tail Risk | -8.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.05 |
| Alpha | 26.11 |
| Character TTM | |
|---|---|
| Beta | 1.350 |
| Beta Downside | 1.533 |
| Drawdowns 3y | |
|---|---|
| Max DD | 37.01% |
| CAGR/Max DD | 1.27 |
Description: ENVA Enova International January 12, 2026
Enova International (ENVA) is a Chicago-based fintech that delivers online consumer credit products-including installment loans, revolving lines of credit, and cash-advance services-across the United States, Brazil, and other markets. Its portfolio is sold under brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic and Pangea, and it also offers loan-origination support for third-party lenders and money-transfer capabilities.
Key metrics as of FY 2023 show total loan originations of roughly $2.1 billion, a net interest margin of about 12 %, and a delinquency rate hovering near 7 %-both metrics that tend to track macro-credit conditions and consumer-spending trends. The business is sensitive to U.S. interest-rate cycles (higher rates can suppress demand for unsecured credit) and to regulatory developments in the near-prime segment, where tighter underwriting standards can affect growth.
For a deeper quantitative view of ENVA’s financial health and valuation dynamics, explore the ENVA page on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 293.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.29 > 0.02 and ΔFCF/TA 0.92 > 1.0 |
| NWC/Revenue: 172.6% < 20% (prev 169.8%; Δ 2.78% < -1%) |
| CFO/TA 0.29 > 3% & CFO 1.75b > Net Income 293.1m |
| Net Debt (4.09b) to EBITDA (423.7m): 9.64 < 3 |
| Current Ratio: 21.75 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.5m) vs 12m ago -4.47% < -2% |
| Gross Margin: 46.49% > 18% (prev 0.47%; Δ 4602 % > 0.5%) |
| Asset Turnover: 55.62% > 50% (prev 50.48%; Δ 5.14% > 0%) |
| Interest Coverage Ratio: 1.52 > 6 (EBITDA TTM 423.7m / Interest Expense TTM 250.3m) |
Altman Z'' 7.73
| A: 0.88 (Total Current Assets 5.50b - Total Current Liabilities 252.9m) / Total Assets 5.96b |
| B: 0.32 (Retained Earnings 1.93b / Total Assets 5.96b) |
| C: 0.07 (EBIT TTM 380.7m / Avg Total Assets 5.47b) |
| D: 0.41 (Book Value of Equity 1.92b / Total Liabilities 4.68b) |
| Altman-Z'' Score: 7.73 = AAA |
Beneish M -3.24
| DSRI: 1.00 (Receivables 5.14b/4.27b, Revenue 3.04b/2.51b) |
| GMI: 1.00 (GM 46.49% / 46.61%) |
| AQI: 0.82 (AQ_t 0.05 / AQ_t-1 0.06) |
| SGI: 1.21 (Revenue 3.04b / 2.51b) |
| TATA: -0.24 (NI 293.1m - CFO 1.75b) / TA 5.96b) |
| Beneish M-Score: -3.24 (Cap -4..+1) = AA |
What is the price of ENVA shares?
As of January 30, 2026, the stock is trading at USD 165.10 with a total of 291,234 shares traded.
Over the past week, the price has changed by +2.75%, over one month by +1.38%, over three months by +36.02% and over the past year by +47.33%.
Over the past week, the price has changed by +2.75%, over one month by +1.38%, over three months by +36.02% and over the past year by +47.33%.
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.
- StrongBuy: 5
- Buy: 2
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ENVA price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 184.5 | 11.8% |
| Analysts Target Price | 184.5 | 11.8% |
| ValueRay Target Price | 235.5 | 42.6% |
ENVA Fundamental Data Overview January 25, 2026
P/E Trailing = 14.561
P/E Forward = 10.9051
P/S = 2.7605
P/B = 3.0346
Revenue TTM = 3.04b USD
EBIT TTM = 380.7m USD
EBITDA TTM = 423.7m USD
Long Term Debt = 4.11b USD (from longTermDebt, last quarter)
Short Term Debt = 233.3m USD (from shortTermDebt, last fiscal year)
Debt = 4.14b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.09b USD (from netDebt column, last quarter)
Enterprise Value = 7.99b USD (3.90b + Debt 4.14b - CCE 53.6m)
Interest Coverage Ratio = 1.52 (Ebit TTM 380.7m / Interest Expense TTM 250.3m)
EV/FCF = 4.68x (Enterprise Value 7.99b / FCF TTM 1.71b)
FCF Yield = 21.34% (FCF TTM 1.71b / Enterprise Value 7.99b)
FCF Margin = 56.06% (FCF TTM 1.71b / Revenue TTM 3.04b)
Net Margin = 9.64% (Net Income TTM 293.1m / Revenue TTM 3.04b)
Gross Margin = 46.49% ((Revenue TTM 3.04b - Cost of Revenue TTM 1.63b) / Revenue TTM)
Gross Margin QoQ = 46.56% (prev 46.94%)
Tobins Q-Ratio = 1.34 (Enterprise Value 7.99b / Total Assets 5.96b)
Interest Expense / Debt = 2.10% (Interest Expense 87.0m / Debt 4.14b)
Taxrate = 27.10% (29.9m / 110.2m)
NOPAT = 277.5m (EBIT 380.7m * (1 - 27.10%))
Current Ratio = 21.75 (Total Current Assets 5.50b / Total Current Liabilities 252.9m)
Debt / Equity = 3.22 (Debt 4.14b / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = 9.64 (Net Debt 4.09b / EBITDA 423.7m)
Debt / FCF = 2.40 (Net Debt 4.09b / FCF TTM 1.71b)
Total Stockholder Equity = 1.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.36% (Net Income 293.1m / Total Assets 5.96b)
RoE = 23.90% (Net Income TTM 293.1m / Total Stockholder Equity 1.23b)
RoCE = 7.14% (EBIT 380.7m / Capital Employed (Equity 1.23b + L.T.Debt 4.11b))
RoIC = 5.47% (NOPAT 277.5m / Invested Capital 5.07b)
WACC = 6.07% (E(3.90b)/V(8.04b) * Re(10.89%) + D(4.14b)/V(8.04b) * Rd(2.10%) * (1-Tc(0.27)))
Discount Rate = 10.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.89%
[DCF Debug] Terminal Value 87.81% ; FCFF base≈1.57b ; Y1≈1.94b ; Y5≈3.31b
Fair Price DCF = 3512 (EV 90.91b - Net Debt 4.09b = Equity 86.82b / Shares 24.7m; r=6.07% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 88.76 | EPS CAGR: 21.68% | SUE: 1.28 | # QB: 4
Revenue Correlation: 99.30 | Revenue CAGR: 23.51% | SUE: -0.38 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.43 | Chg30d=-0.017 | Revisions Net=-3 | Analysts=6
EPS next Year (2026-12-31): EPS=14.55 | Chg30d=-0.023 | Revisions Net=+1 | Growth EPS=+14.3% | Growth Revenue=+16.4%
P/E Forward = 10.9051
P/S = 2.7605
P/B = 3.0346
Revenue TTM = 3.04b USD
EBIT TTM = 380.7m USD
EBITDA TTM = 423.7m USD
Long Term Debt = 4.11b USD (from longTermDebt, last quarter)
Short Term Debt = 233.3m USD (from shortTermDebt, last fiscal year)
Debt = 4.14b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.09b USD (from netDebt column, last quarter)
Enterprise Value = 7.99b USD (3.90b + Debt 4.14b - CCE 53.6m)
Interest Coverage Ratio = 1.52 (Ebit TTM 380.7m / Interest Expense TTM 250.3m)
EV/FCF = 4.68x (Enterprise Value 7.99b / FCF TTM 1.71b)
FCF Yield = 21.34% (FCF TTM 1.71b / Enterprise Value 7.99b)
FCF Margin = 56.06% (FCF TTM 1.71b / Revenue TTM 3.04b)
Net Margin = 9.64% (Net Income TTM 293.1m / Revenue TTM 3.04b)
Gross Margin = 46.49% ((Revenue TTM 3.04b - Cost of Revenue TTM 1.63b) / Revenue TTM)
Gross Margin QoQ = 46.56% (prev 46.94%)
Tobins Q-Ratio = 1.34 (Enterprise Value 7.99b / Total Assets 5.96b)
Interest Expense / Debt = 2.10% (Interest Expense 87.0m / Debt 4.14b)
Taxrate = 27.10% (29.9m / 110.2m)
NOPAT = 277.5m (EBIT 380.7m * (1 - 27.10%))
Current Ratio = 21.75 (Total Current Assets 5.50b / Total Current Liabilities 252.9m)
Debt / Equity = 3.22 (Debt 4.14b / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = 9.64 (Net Debt 4.09b / EBITDA 423.7m)
Debt / FCF = 2.40 (Net Debt 4.09b / FCF TTM 1.71b)
Total Stockholder Equity = 1.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.36% (Net Income 293.1m / Total Assets 5.96b)
RoE = 23.90% (Net Income TTM 293.1m / Total Stockholder Equity 1.23b)
RoCE = 7.14% (EBIT 380.7m / Capital Employed (Equity 1.23b + L.T.Debt 4.11b))
RoIC = 5.47% (NOPAT 277.5m / Invested Capital 5.07b)
WACC = 6.07% (E(3.90b)/V(8.04b) * Re(10.89%) + D(4.14b)/V(8.04b) * Rd(2.10%) * (1-Tc(0.27)))
Discount Rate = 10.89% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.89%
[DCF Debug] Terminal Value 87.81% ; FCFF base≈1.57b ; Y1≈1.94b ; Y5≈3.31b
Fair Price DCF = 3512 (EV 90.91b - Net Debt 4.09b = Equity 86.82b / Shares 24.7m; r=6.07% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 88.76 | EPS CAGR: 21.68% | SUE: 1.28 | # QB: 4
Revenue Correlation: 99.30 | Revenue CAGR: 23.51% | SUE: -0.38 | # QB: 0
EPS next Quarter (2026-03-31): EPS=3.43 | Chg30d=-0.017 | Revisions Net=-3 | Analysts=6
EPS next Year (2026-12-31): EPS=14.55 | Chg30d=-0.023 | Revisions Net=+1 | Growth EPS=+14.3% | Growth Revenue=+16.4%