ENVA Stock Analysis: Enova International | NYSE
Credit Services | NYSE, USA | Market Cap: 4.286m USD | 12M Return: 42.1% | US29357K1034 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 63.2M
EPS Trend: 99.1%
Qual. Beats: 7
Rev. Trend: 96.7%
Qual. Beats: -1
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Enova International is a Chicago-based technology and analytics company that provides online financial services to consumers and small businesses, primarily operating in the United States and Brazil with additional international exposure. Founded in 2003, the company offers a diversified product suite including installment loans, lines of credit, CSO (credit services organization) programs that connect borrowers with third-party lenders, bank partnership programs for loan servicing and marketing, and money transfer services.
Enova distributes its products through multiple brand names, including CashNetUSA and NetCredit for consumer lending, OnDeck and Headway Capital for small business financing, and Simplic and Pangea for international operations. The company went public on the NYSE in November 2014 and is classified within the GICS Consumer Finance sub-industry, reflecting its focus on digital lending to near-prime and non-prime credit segments that are often underserved by traditional banks.
- Brazil loan growth accelerates through Simplic platform
- Net charge-offs rise as US subprime credit normalizes
- US small business loan originations pressured by tighter underwriting
| Net Income: 355.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.27 > 0.02 and ΔFCF/TA -1.30 > 1.0 |
| NWC/Revenue: 212.1% < 20% (prev 171.0%; Δ 41.05% < -1%) |
| CFO/TA 0.28 > 3% & CFO 2.00b > Net Income 355.5m |
| Net Debt (4.95b) to EBITDA (781.0m): 6.34 < 3 |
| Current Ratio: 18.42 > 1.5 & < 3 |
| Outstanding Shares: last quarter (26.3m) vs 12m ago -2.66% < -2% |
| Gross Margin: 73.95% > 18% (prev 46.56%; Δ 27.39% > 0.5%) |
| Asset Turnover: 46.51% > 50% (prev 51.16%; Δ -4.65% > 0%) |
| Interest Coverage Ratio: 1.34 > 6 (EBIT TTM 742.2m / Interest Expense TTM 555.9m) |
| A: 0.88 (Total Current Assets 6.75b - Total Current Liabilities 366.4m) / Total Assets 7.22b |
| B: 0.30 (Retained Earnings 2.20b / Total Assets 7.22b) |
| C: 0.11 (EBIT TTM 742.2m / Avg Total Assets 6.47b) |
| D: 0.26 (Book Value of Equity 1.50b / Total Liabilities 5.73b) |
| Altman-Z'' = 7.84 = AAA |
| DSRI: 1.24 (Receivables 6.20b/4.89b, Revenue 3.01b/2.93b) |
| GMI: 0.63 (GM 46.56% / 73.95%) |
| AQI: 0.80 (AQ_t 0.04 / AQ_t-1 0.05) |
| SGI: 1.03 (Revenue 3.01b / 2.93b) |
| TATA: -0.23 (NI 355.5m - CFO 2.00b) / TA 7.22b) |
| Beneish M = -3.29 (Cap -4..+1) = AA |
As of September 17, 2026, the stock is trading at USD 172.14 with a total of 544,161 shares traded. Over the past week, the price has changed by -23.16%, over one month by -34.77%, over three months by -11.18% and over the past year by +42.11%.
Current recommended Stop Loss: 155.60 (which is 9.6% or 1.5 ATR below the current price).
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
| Analysts Target Price | 255.1 | 48.2% |
P/E Trailing = 12.904
P/E Forward = 7.8493
P/S = 2.5334
P/B = 2.8873
Revenue TTM = 3.01b USD
EBIT TTM = 742.2m USD
EBITDA TTM = 781.0m USD
Long Term Debt = 5.01b USD (from longTermDebt, last quarter)
Short Term Debt = 31.6m USD (from shortTermDebt, last quarter)
Debt = 5.08b USD (from shortLongTermDebtTotal, last quarter) + Leases 31.6m
Net Debt = 4.95b USD (calculated: Debt 5.08b - CCE 122.2m)
Enterprise Value = 9.24b USD (4.29b + Debt 5.08b - CCE 122.2m)
Interest Coverage Ratio = 1.34 (Ebit TTM 742.2m / Interest Expense TTM 555.9m)
EV/FCF = 4.73x (Enterprise Value 9.24b / FCF TTM 1.95b)
FCF Yield = 21.13% (FCF TTM 1.95b / Enterprise Value 9.24b)
FCF Margin = 64.86% (FCF TTM 1.95b / Revenue TTM 3.01b)
Net Margin = 11.81% (Net Income TTM 355.5m / Revenue TTM 3.01b)
Gross Margin = 73.95% ((Revenue TTM 3.01b - Cost of Revenue TTM 784.2m) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 1.28 (Enterprise Value 9.24b / Total Assets 7.22b)
Interest Expense / Debt = 10.95% (Interest Expense 555.9m / Debt 5.08b)
Taxrate = 23.05% (106.5m / 461.9m)
NOPAT = 571.1m (EBIT 742.2m * (1 - 23.05%))
Current Ratio = 18.42 (Total Current Assets 6.75b / Total Current Liabilities 366.4m)
Debt / Equity = 3.39 (Debt 5.08b / totalStockholderEquity, last quarter 1.50b)
Debt / EBITDA = 6.34 (Net Debt 4.95b / EBITDA 781.0m)
Debt / FCF = 2.54 (Net Debt 4.95b / FCF TTM 1.95b)
Total Stockholder Equity = 1.38b (last 4 quarters mean from totalStockholderEquity)
RoA = 5.49% (Net Income 355.5m / Total Assets 7.22b)
RoE = 25.76% (Net Income TTM 355.5m / Total Stockholder Equity 1.38b)
RoCE = 11.61% (EBIT 742.2m / Capital Employed (Equity 1.38b + L.T.Debt 5.01b))
RoIC = 8.44% (NOPAT 571.1m / Invested Capital 6.77b)
WACC = 9.41% (E(4.29b)/V(9.36b) * Re(10.58%) + D(5.08b)/V(9.36b) * Rd(10.95%) * (1-Tc(0.23)))
Discount Rate = 10.58% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.54 | Cagr: -4.91%
[DCF] Terminal Value 74.61% ; FCFF base≈1.82b ; Y1≈2.09b ; Y5≈3.07b
[DCF] Fair Price = 1.36k (EV 38.9b - Net Debt 4.95b = Equity 34.0b / Shares 24.9m; r=9.41% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 99.09 | EPS CAGR: 37.55% | SUE: 4.0 | # QB: 7
Revenue Correlation: 96.67 | Revenue CAGR: 19.04% | SUE: -4.0 | # QB: -1
EPS current Quarter (2026-09-30): EPS=4.40 | Chg30d=+0.40% | Revisions=+38% | Analysts=4
EPS current Year (2026-12-31): EPS=17.27 | Chg30d=+0.39% | Revisions=+57% | GrowthEPS=+33.3% | GrowthRev=+22.4%
EPS next Year (2027-12-31): EPS=20.95 | Chg30d=+1.76% | Revisions=+62% | GrowthEPS=+21.3% | GrowthRev=+17.6%
[Analyst] Revisions Ratio: +71% (up=13, down=1)