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): 26.51%
EPS Trend (3Y Correlation): 93.0%

ENVA Revenue

Revenue Growth (3Y CAGR): 20.00%
Revenue Trend (3Y Correlation): 99.1%

Description: ENVA Enova International August 05, 2025

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	3,038m
Sub-Industry	Consumer Finance
IPO / Inception	2014-11-13

ENVA Stock Ratings

Growth Rating	82.1%
Fundamental	77.4%
Dividend Rating	-
Return 12m vs S&P 500	17.0%
Analyst Rating	4.50 of 5

ENVA Dividends

Currently no dividends paid

ENVA Growth Ratios

Growth Correlation 3m	23.6%
Growth Correlation 12m	48.2%
Growth Correlation 5y	93.3%
CAGR 5y	50.13%
CAGR/Max DD 3y (Calmar Ratio)	1.35
CAGR/Mean DD 3y (Pain Ratio)	5.91
Sharpe Ratio 12m	0.30
Alpha	18.23
Beta	1.323
Volatility	35.62%
Current Volume	272.3k
Average Volume 20d	233.7k
Stop Loss	123 (-3.9%)
Signal	0.83

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (293.1m TTM) > 0 and > 6% of Revenue (6% = 182.5m TTM)

FCFTA 0.29 (>2.0%) and ΔFCFTA 0.92pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -6.55% (prev 169.8%; Δ -176.3pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.29 (>3.0%) and CFO 1.75b > Net Income 293.1m (YES >=105%, WARN >=100%)

Net Debt (4.05b) to EBITDA (593.4m) ratio: 6.83 <= 3.0 (WARN <= 3.5)

Current Ratio 0.21 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (26.5m) change vs 12m ago -4.47% (target <= -2.0% for YES)

Gross Margin 60.59% (prev 59.18%; Δ 1.41pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 55.62% (prev 50.48%; Δ 5.14pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.20 (EBITDA TTM 593.4m / Interest Expense TTM 250.3m) >= 6 (WARN >= 3)

Altman Z'' 1.94

(A) -0.03 = (Total Current Assets 53.6m - Total Current Liabilities 252.9m) / Total Assets 5.96b

(B) 0.32 = Retained Earnings (Balance) 1.93b / Total Assets 5.96b

(D) 0.41 = Book Value of Equity 1.92b / Total Liabilities 4.68b

Total Rating: 1.94 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 77.37

1. Piotroski 6.50pt = 1.50

2. FCF Yield 24.05% = 5.0

3. FCF Margin 56.06% = 7.50

4. Debt/Equity 3.20 = -1.06

5. Debt/Ebitda 6.83 = -2.50

6. ROIC - WACC (= 2.29)% = 2.86

7. RoE 23.90% = 1.99

8. Rev. Trend 99.08% = 7.43

9. EPS Trend 93.03% = 4.65

What is the price of ENVA shares?

As of November 06, 2025, the stock is trading at USD 128.00 with a total of 272,269 shares traded.
Over the past week, the price has changed by +5.45%, over one month by +15.82%, over three months by +23.17% and over the past year by +39.16%.

Is Enova International a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Enova International (NYSE:ENVA) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 77.37 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 165.91 USD . This means that ENVA is currently undervalued and has a potential upside of +29.62% (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	140.6	9.9%
Analysts Target Price	140.6	9.9%
ValueRay Target Price	180.5	41%

ENVA Fundamental Data Overview November 06, 2025

Market Cap USD = 3.04b (3.04b USD * 1.0 USD.USD)
P/E Trailing = 11.3216
P/E Forward = 8.1103
P/S = 2.1485
P/B = 2.3273
Beta = 1.323
Revenue TTM = 3.04b USD
EBIT TTM = 550.4m USD
EBITDA TTM = 593.4m USD
Long Term Debt = 3.33b USD (from longTermDebt, last fiscal year)
Short Term Debt = 233.3m USD (from shortTermDebt, last fiscal year)
Debt = 4.11b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 4.05b USD (from netDebt column, last quarter)
Enterprise Value = 7.09b USD (3.04b + Debt 4.11b - CCE 53.6m)
Interest Coverage Ratio = 2.20 (Ebit TTM 550.4m / Interest Expense TTM 250.3m)
FCF Yield = 24.05% (FCF TTM 1.71b / Enterprise Value 7.09b)
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 = 60.59% ((Revenue TTM 3.04b - Cost of Revenue TTM 1.20b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 46.94%)
Tobins Q-Ratio = 1.19 (Enterprise Value 7.09b / Total Assets 5.96b)
Interest Expense / Debt = 2.12% (Interest Expense 87.0m / Debt 4.11b)
Taxrate = 27.10% (29.9m / 110.2m)
NOPAT = 401.3m (EBIT 550.4m * (1 - 27.10%))
Current Ratio = 0.21 (Total Current Assets 53.6m / Total Current Liabilities 252.9m)
Debt / Equity = 3.20 (Debt 4.11b / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = 6.83 (Net Debt 4.05b / EBITDA 593.4m)
Debt / FCF = 2.38 (Net Debt 4.05b / FCF TTM 1.71b)
Total Stockholder Equity = 1.23b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.92% (Net Income 293.1m / Total Assets 5.96b)
RoE = 23.90% (Net Income TTM 293.1m / Total Stockholder Equity 1.23b)
RoCE = 12.08% (EBIT 550.4m / Capital Employed (Equity 1.23b + L.T.Debt 3.33b))
RoIC = 8.08% (NOPAT 401.3m / Invested Capital 4.97b)
WACC = 5.79% (E(3.04b)/V(7.14b) * Re(11.52%) + D(4.11b)/V(7.14b) * Rd(2.12%) * (1-Tc(0.27)))
Discount Rate = 11.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -7.42%
[DCF Debug] Terminal Value 70.97% ; FCFE base≈1.57b ; Y1≈1.94b ; Y5≈3.31b
Fair Price DCF = 1319 (DCF Value 32.72b / Shares Outstanding 24.8m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 93.03 | EPS CAGR: 26.51% | SUE: 1.28 | # QB: 4
Revenue Correlation: 99.08 | Revenue CAGR: 20.00% | SUE: -0.38 | # QB: 0

Additional Sources for ENVA Stock

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