Symbols / ENVA Stock $166.65 -1.63% Enova International, Inc.

Financial Services • Credit Services • United States • NYQ
ENVA (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Steven E. Cunningham C.F.A.
Exch · Country NYQ · United States
Market Cap 4.15B
Enterprise Value 8.90B
Income 326.54M
Sales 1.58B
FCF (ttm) —
Book/sh 56.25
Cash/sh 4.44
Employees 1,836
Insider 10d —
IPO Nov 13, 2014
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 13.57
Forward P/E 8.67
PEG —
P/S 2.62
P/B 2.96
P/C —
EV/EBITDA —
EV/Sales 5.63
Quick Ratio 21.56
Current Ratio 22.71
Debt/Eq 347.00
LT Debt/Eq —
EPS (ttm) 12.28
EPS next Y 19.21
EPS Growth 28.60%
Revenue Growth 25.80%
EPS Gr Q/Q 24.90%
Rev Gr Q/Q —
Earnings (next) 2026-07-21
Earnings (prior) 2026-04-23
ROA 5.30%
ROE 25.13%
ROIC —
Gross Margin 82.82%
Oper. Margin 26.60%
Profit Margin 20.66%
Shs Outstand 24.88M
Shs Float 23.73M
Insider Own 4.69%
Instit Own 95.27%
Short Float 9.62%
Short Ratio 9.29
Short Interest 1.92M
52W High 176.68
vs 52W High -5.68%
52W Low 89.00
vs 52W Low 87.25%
Beta 1.21
Impl. Vol. 50.21%
Rel Volume 1.26
Avg Volume 293.34K
Volume 368.94K
Target (mean) $197.71
Tgt Median $195.00
Tgt Low $189.00
Tgt High $210.00
# Analysts 7
Recom Strong_buy
Prev Close $169.42
Price $166.65
Change -1.63%
About

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, and internationally. The company offers consumer and small business installment loans; consumer and small business line of credit accounts; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan. It also provides money transfer services. The company markets its financing products under the CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea brands. Enova International, Inc. was founded in 2003 and is headquartered in Chicago, Illinois.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$197.71
Mean price target
2. Current target
$166.65
Latest analyst target
3. DCF / Fair value
$184.20
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$166.65
Low
$189.00
High
$210.00
Mean
$197.71

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main TD Cowen Buy → Buy $190
2026-04-24 main Citizens Market Outperform → Market Outperform $195
2026-04-24 main Stephens & Co. Overweight → Overweight $210
2026-04-23 reit BTIG Buy → Buy $199
2026-01-28 main Citizens Market Outperform → Market Outperform $182
2026-01-28 reit BTIG Buy → Buy $199
2026-01-08 main TD Cowen Buy → Buy $180
2025-12-12 main Citizens Market Outperform → Market Outperform $180
2025-12-12 main BTIG Buy → Buy $199
2025-10-24 main JMP Securities Market Outperform → Market Outperform $149
2025-10-24 main BTIG Buy → Buy $144
2025-05-14 init Seaport Global — → Buy $124
2025-04-30 reit JMP Securities Market Outperform → Market Outperform $135
2025-02-06 main Maxim Group Buy → Buy $138
2025-02-05 main Stephens & Co. Overweight → Overweight $136
2025-02-05 main BTIG Buy → Buy $129
2025-02-05 main JMP Securities Market Outperform → Market Outperform $135
2025-01-13 main JMP Securities Market Outperform → Market Outperform $125
2024-11-13 init Stephens & Co. — → Overweight $108
2024-10-23 main TD Cowen Hold → Hold $96
News
RSS: Latest ENVA news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-18 FISHER DAVID A. Officer and Director — 7,143 $149.49 $1,067,796
2026-02-11 FISHER DAVID A. Officer and Director — 13,515 $0.00 $0
2026-02-11 RAHILLY SEAN General Counsel — 3,174 $0.00 $0
2026-02-11 RAHILLY SEAN General Counsel — 9,474 $0.00 $0
2026-02-11 LEE JAMES JOSEPH Officer — 1,203 $0.00 $0
2026-02-11 LEE JAMES JOSEPH Officer — 3,723 $0.00 $0
2026-02-11 CORNELIS SCOTT Chief Financial Officer — 3,276 $0.00 $0
2026-02-11 CHARTIER KIRK LF Officer — 4,573 $0.00 $0
2026-02-11 CUNNINGHAM STEVEN E. Chief Executive Officer — 16,067 $0.00 $0
2026-02-02 TEBBE MARK A Director — 20,000 $172.24 $3,444,824
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,151.65
+18.58%
2,657.80
+25.51%
2,117.64
+21.98%
1,736.09
Operating Revenue
3,110.30
+18.70%
2,620.30
+25.61%
2,086.03
+21.79%
1,712.86
Cost Of Revenue
1,660.72
+17.05%
1,418.79
+31.07%
1,082.50
+47.40%
734.41
Reconciled Cost Of Revenue
1,660.72
+17.05%
1,418.79
+31.07%
1,082.50
+47.40%
734.41
Gross Profit
1,490.94
+20.33%
1,239.01
+19.69%
1,035.14
+3.34%
1,001.68
Operating Expense
1,084.21
+14.77%
944.69
+16.95%
807.79
+10.12%
733.57
Selling General And Administration
784.20
+15.31%
680.09
+18.33%
574.73
+9.88%
523.04
Selling And Marketing Expense
621.08
+18.62%
523.57
+26.33%
414.46
+8.33%
382.57
General And Administrative Expense
163.12
+4.22%
156.52
-2.33%
160.26
+14.10%
140.46
Other Gand A
163.12
+4.22%
156.52
-2.33%
160.26
+14.10%
140.46
Other Operating Expenses
258.18
+15.06%
224.39
+15.13%
194.91
+12.23%
173.67
Total Expenses
2,744.93
+16.14%
2,363.48
+25.03%
1,890.28
+28.77%
1,467.98
Operating Income
406.73
+38.19%
294.32
+29.45%
227.36
-15.20%
268.11
Total Operating Income As Reported
739.43
+26.45%
584.76
+38.52%
422.13
+9.93%
383.99
EBITDA
448.56
+34.09%
334.52
+25.99%
265.51
-12.94%
304.97
Normalized EBITDA
455.81
+33.56%
341.28
+28.43%
265.74
-13.42%
306.94
Reconciled Depreciation
41.83
+4.04%
40.21
+5.37%
38.16
+3.50%
36.87
EBIT
406.73
+38.19%
294.32
+29.45%
227.36
-15.20%
268.11
Total Unusual Items
-7.25
-7.36%
-6.75
-2902.22%
-0.23
+88.56%
-1.97
Total Unusual Items Excluding Goodwill
-7.25
-7.36%
-6.75
-2902.22%
-0.23
+88.56%
-1.97
Special Income Charges
-7.62
-33.88%
-5.69
-1918.09%
-0.28
+78.65%
-1.32
Other Special Charges
1.02
-82.09%
5.69
+1918.09%
0.28
-78.65%
1.32
Restructuring And Mergern Acquisition
6.60
—
—
0.00
Net Income
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Pretax Income
401.03
+47.93%
271.10
+19.30%
227.25
-16.63%
272.57
Net Non Operating Interest Income Expense
—
—
—
-115.89
Interest Expense Non Operating
—
—
—
115.89
Net Interest Income
—
—
—
-115.89
Interest Expense
—
—
—
115.89
Other Income Expense
-5.69
+75.48%
-23.21
-21198.17%
-0.11
-102.44%
4.47
Other Non Operating Income Expenses
—
—
—
—
Gain On Sale Of Security
0.37
+134.49%
-1.06
-1966.67%
0.06
+108.84%
-0.65
Tax Provision
92.64
+50.27%
61.65
+18.28%
52.13
-19.99%
65.15
Tax Rate For Calcs
0.00
+1.76%
0.00
-1.04%
0.00
-4.03%
0.00
Tax Effect Of Unusual Items
-1.68
-9.25%
-1.53
-2871.07%
-0.05
+89.02%
-0.47
Net Income Including Noncontrolling Interests
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Net Income From Continuing Operation Net Minority Interest
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Net Income From Continuing And Discontinued Operation
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Net Income Continuous Operations
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Net Income Discontinuous Operations
—
—
—
0.00
Minority Interests
—
—
0.00
0.00
Normalized Income
313.97
+46.26%
214.67
+22.46%
175.29
-16.10%
208.92
Net Income Common Stockholders
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Diluted EPS
—
7.43
+35.34%
5.49
-11.31%
6.19
Basic EPS
—
7.78
+36.25%
5.71
-11.06%
6.42
Basic Average Shares
—
26.92
-12.24%
30.67
-5.01%
32.29
Diluted Average Shares
—
28.20
-11.65%
31.92
-4.67%
33.48
Diluted NI Availto Com Stockholders
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Depreciation Amortization Depletion Income Statement
41.83
+4.04%
40.21
+5.37%
38.16
+3.50%
36.87
Depreciation And Amortization In Income Statement
41.83
+4.04%
40.21
+5.37%
38.16
+3.50%
36.87
Earnings From Equity Interest
1.56
+109.47%
-16.46
-14289.66%
0.12
-98.20%
6.43
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,468.43
+22.83%
5,266.13
+14.84%
4,585.54
+21.28%
3,780.89
Current Assets
6,001.18
+24.67%
4,813.55
+16.76%
4,122.72
+24.67%
3,306.94
Cash Cash Equivalents And Short Term Investments
71.71
-2.98%
73.91
+35.97%
54.36
-45.73%
100.17
Cash And Cash Equivalents
71.71
-2.98%
73.91
+35.97%
54.36
-45.73%
100.17
Receivables
5,593.31
+24.55%
4,490.89
+19.91%
3,745.28
+19.71%
3,128.54
Accounts Receivable
—
—
—
—
Other Receivables
80.87
+26.85%
63.75
-11.43%
71.98
+8.62%
66.27
Taxes Receivable
40.90
+0.52%
40.69
-7.79%
44.13
+0.89%
43.74
Loans Receivable
5,471.54
+24.74%
4,386.44
+20.87%
3,629.17
+20.23%
3,018.53
Restricted Cash
336.15
+35.13%
248.76
-23.00%
323.08
+312.96%
78.23
Total Non Current Assets
467.25
+3.24%
452.58
-2.21%
462.82
-2.35%
473.95
Net PPE
149.12
+7.93%
138.16
+12.36%
122.96
+9.22%
112.58
Gross PPE
308.05
+10.24%
279.45
+9.98%
254.08
+10.99%
228.92
Accumulated Depreciation
-158.94
-12.49%
-141.29
-7.75%
-131.13
-12.70%
-116.35
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
274.76
+12.37%
244.52
+12.07%
218.19
+17.89%
185.07
Other Properties
16.55
-9.08%
18.20
+27.72%
14.25
-26.34%
19.35
Leases
16.75
+0.13%
16.72
-22.73%
21.64
-11.67%
24.50
Goodwill And Other Intangible Assets
282.94
-2.51%
290.23
-2.70%
298.28
-2.73%
306.67
Goodwill
279.27
+0.00%
279.27
+0.00%
279.27
+0.00%
279.27
Other Intangible Assets
3.66
-66.58%
10.95
-42.38%
19.00
-30.61%
27.39
Other Non Current Assets
35.20
+45.51%
24.19
-41.82%
41.58
-24.00%
54.71
Total Liabilities Net Minority Interest
5,131.71
+26.11%
4,069.21
+21.64%
3,345.35
+28.93%
2,594.74
Current Liabilities
395.85
+58.36%
249.97
-4.28%
261.16
+31.68%
198.32
Payables And Accrued Expenses
202.64
+20.97%
167.51
+33.02%
125.93
+13.82%
110.64
Payables
78.96
+33.95%
58.95
+36.05%
43.33
+40.78%
30.78
Accounts Payable
78.96
+33.95%
58.95
+36.05%
43.33
+40.78%
30.78
Current Accrued Expenses
123.67
+13.93%
108.56
+31.43%
82.60
+3.42%
79.86
Total Tax Payable
—
—
—
—
Income Tax Payable
—
—
—
—
Current Debt And Capital Lease Obligation
90.00
-61.43%
233.33
—
—
Current Debt
90.00
-61.43%
233.33
—
—
Current Deferred Liabilities
—
—
—
—
Current Deferred Revenue
—
—
—
—
Other Current Liabilities
103.21
+25.16%
82.46
-39.02%
135.23
+54.23%
87.68
Total Non Current Liabilities Net Minority Interest
4,735.86
+24.00%
3,819.24
+23.83%
3,084.20
+28.70%
2,396.42
Long Term Debt And Capital Lease Obligation
4,440.42
+23.49%
3,595.65
+21.03%
2,970.85
+29.60%
2,292.26
Long Term Debt
4,408.38
+23.71%
3,563.48
+21.05%
2,943.80
+30.33%
2,258.66
Long Term Capital Lease Obligation
32.04
-0.39%
32.16
+18.94%
27.04
-19.51%
33.59
Non Current Deferred Liabilities
295.44
+32.13%
223.59
+97.26%
113.35
+8.81%
104.17
Non Current Deferred Taxes Liabilities
295.44
+32.13%
223.59
+97.26%
113.35
+8.81%
104.17
Stockholders Equity
1,336.72
+11.68%
1,196.92
-3.49%
1,240.18
+4.56%
1,186.14
Common Stock Equity
1,336.72
+11.68%
1,196.92
-3.49%
1,240.18
+4.56%
1,186.14
Capital Stock
0.00
0.00
0.00
0.00
Common Stock
0.00
0.00
0.00
0.00
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
47.44
+1.98%
46.52
+2.60%
45.34
+2.28%
44.33
Ordinary Shares Number
24.72
-4.23%
25.81
-11.28%
29.09
-6.83%
31.22
Treasury Shares Number
22.73
+9.72%
20.71
+27.46%
16.25
+23.99%
13.11
Additional Paid In Capital
370.08
+12.74%
328.27
+15.48%
284.26
+12.85%
251.88
Retained Earnings
2,006.14
+18.16%
1,697.75
+14.07%
1,488.31
+13.34%
1,313.18
Gains Losses Not Affecting Retained Earnings
-9.50
+30.61%
-13.69
-118.57%
-6.26
-4.57%
-5.99
Treasury Stock
1,030.00
+26.32%
815.41
+54.99%
526.12
+41.08%
372.93
Minority Interest
—
—
—
—
Total Equity Gross Minority Interest
1,336.72
+11.68%
1,196.92
-3.49%
1,240.18
+4.56%
1,186.14
Total Capitalization
5,745.10
+20.69%
4,760.41
+13.78%
4,183.99
+21.46%
3,444.80
Working Capital
5,605.33
+22.83%
4,563.58
+18.18%
3,861.56
+24.22%
3,108.62
Invested Capital
5,835.10
+22.58%
4,760.41
+13.78%
4,183.99
+21.46%
3,444.80
Total Debt
4,530.42
+26.00%
3,595.65
+21.03%
2,970.85
+29.60%
2,292.26
Net Debt
4,426.67
+26.85%
3,489.57
+20.77%
2,889.45
+33.86%
2,158.49
Capital Lease Obligations
32.04
-0.39%
32.16
+18.94%
27.04
-19.51%
33.59
Net Tangible Assets
1,053.79
+16.22%
906.70
-3.74%
941.90
+7.10%
879.48
Tangible Book Value
1,053.79
+16.22%
906.70
-3.74%
941.90
+7.10%
879.48
Interest Payable
33.88
+11.08%
30.50
+10.22%
27.67
+20.43%
22.98
Line Of Credit
90.00
0.00
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
1,819.12
+18.23%
1,538.58
+31.86%
1,166.87
+30.52%
894.00
Cash Flow From Continuing Operating Activities
1,819.12
+18.23%
1,538.58
+31.86%
1,166.87
+30.52%
894.00
Cash From Discontinued Operating Activities
—
—
—
0.00
Net Income From Continuing Operations
308.39
+47.24%
209.45
+19.60%
175.12
-15.57%
207.42
Depreciation Amortization Depletion
41.83
+4.04%
40.21
+5.37%
38.16
+3.50%
36.87
Depreciation And Amortization
41.83
+4.04%
40.21
+5.37%
38.16
+3.50%
36.87
Other Non Cash Items
18.12
+6.82%
16.96
+95.71%
8.67
+212.74%
2.77
Stock Based Compensation
33.10
+4.02%
31.82
+18.99%
26.74
+21.81%
21.95
Asset Impairment Charge
0.00
-100.00%
16.55
0.00
0.00
Deferred Tax
70.56
-37.40%
112.72
+1219.16%
8.54
-49.84%
17.03
Deferred Income Tax
70.56
-37.40%
112.72
+1219.16%
8.54
-49.84%
17.03
Operating Gains Losses
1.02
-82.09%
5.69
+1917.73%
0.28
-93.57%
4.39
Unrealized Gain Loss On Investment Securities
1,313.39
+17.35%
1,119.21
+27.28%
879.35
+43.65%
612.15
Change In Working Capital
32.72
+333.16%
-14.03
-146.76%
30.01
+449.35%
-8.59
Change In Receivables
-22.78
-9553.53%
0.24
+100.68%
-35.29
+37.71%
-56.65
Changes In Account Receivables
1.39
+111.12%
-12.51
+71.67%
-44.17
-36.67%
-32.32
Change In Payables And Accrued Expense
34.96
-0.25%
35.05
+93.27%
18.14
+737.95%
-2.84
Change In Payable
—
35.05
+93.27%
18.14
+737.95%
-2.84
Change In Account Payable
—
35.05
+93.27%
18.14
+737.95%
-2.84
Change In Other Working Capital
20.54
+141.64%
-49.33
-204.59%
47.16
-7.35%
50.91
Investing Cash Flow
-2,445.78
-27.97%
-1,911.19
-27.87%
-1,494.66
+10.30%
-1,666.27
Cash Flow From Continuing Investing Activities
-2,445.78
-27.97%
-1,911.19
-27.87%
-1,494.66
+10.30%
-1,666.27
Cash From Discontinued Investing Activities
—
—
—
—
Net PPE Purchase And Sale
—
—
—
-43.63
Purchase Of PPE
—
—
—
-43.63
Capital Expenditure
-47.14
-8.56%
-43.42
+4.02%
-45.24
-3.69%
-43.63
Capital Expenditure Reported
-47.14
-8.56%
-43.42
+4.02%
-45.24
-3.69%
-43.63
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
8.71
Purchase Of Business
—
—
0.00
0.00
Gain Loss On Sale Of Business
—
0.00
0.00
-100.00%
4.39
Net Other Investing Changes
-2,398.64
-28.42%
-1,867.77
-28.86%
-1,449.42
+11.15%
-1,631.35
Financing Cash Flow
711.82
+123.22%
318.88
-39.44%
526.54
-27.36%
724.87
Cash Flow From Continuing Financing Activities
711.82
+123.22%
318.88
-39.44%
526.54
-27.36%
724.87
Net Issuance Payments Of Debt
933.56
+49.60%
624.04
-10.40%
696.51
-20.05%
871.17
Issuance Of Debt
3,454.21
+16.31%
2,969.86
+62.04%
1,832.82
+89.60%
966.66
Repayment Of Debt
-2,520.66
-7.45%
-2,345.82
-106.44%
-1,136.31
-1090.02%
-95.49
Long Term Debt Issuance
3,454.21
+16.31%
2,969.86
+62.04%
1,832.82
+121.45%
827.66
Long Term Debt Payments
-2,520.66
-7.45%
-2,345.82
-106.44%
-1,136.31
-1635.17%
-65.49
Net Long Term Debt Issuance
933.56
+49.60%
624.04
-10.40%
696.51
-8.61%
762.17
Short Term Debt Issuance
—
852.00
+101.42%
423.00
+204.32%
139.00
Short Term Debt Payments
—
-755.00
-100.80%
-376.00
-1153.33%
-30.00
Net Short Term Debt Issuance
—
97.00
+106.38%
47.00
-56.88%
109.00
Net Common Stock Issuance
-214.59
+25.82%
-289.29
-88.85%
-153.19
-7.07%
-143.07
Common Stock Payments
-214.59
+25.82%
-289.29
-88.85%
-153.19
-7.07%
-143.07
Repurchase Of Capital Stock
-214.59
+25.82%
-289.29
-88.85%
-153.19
-7.07%
-143.07
Proceeds From Stock Option Exercised
8.71
-28.55%
12.20
+116.24%
5.64
+33.05%
4.24
Net Other Financing Charges
-15.86
+43.48%
-28.07
-25.17%
-22.42
-200.04%
-7.47
Changes In Cash
85.16
+258.47%
-53.74
-127.04%
198.75
+519.25%
-47.41
Effect Of Exchange Rate Changes
0.04
+103.77%
-1.03
-460.28%
0.29
+472.73%
-0.08
Beginning Cash Position
322.67
-14.51%
377.44
+111.57%
178.40
-21.02%
225.88
End Cash Position
407.86
+26.40%
322.67
-14.51%
377.44
+111.57%
178.40
Free Cash Flow
1,771.98
+18.51%
1,495.15
+33.30%
1,121.63
+31.90%
850.37
Interest Paid Supplemental Data
321.08
+17.13%
274.12
+50.28%
182.41
+68.89%
108.01
Income Tax Paid Supplemental Data
1.44
—
—
—
Other Cash Adjustment Outside Changein Cash
—
—
—
—
Sale Of Business
—
0.00
0.00
-100.00%
8.71
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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