Enova International, Inc.

Enova International, Inc.

ENVA
Enova International, Inc.US flagNew York Stock Exchange
230.58
USD
-2.59
- -
5.74BMarket Cap
Enova International, Inc.
ENVA
(New York Stock Exchange)

Recent

price

230.58

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6
14.56
20.03
23.19
24.54
19.77
22.46
21.74
28.61
34.84
33.98
33.23
53.77
69.04
98.73
125.22
138.58
Revenue per Share
0.75
1.12
1.78
2.36
3.38
1.33
1.04
0.87
2.06
1.09
11.85
7.05
6.42
5.71
7.78
12.25
14.29
Basic EPS, GAAP
6.24
7.3
10.84
12.83
12.63
7.63
11.42
12.89
19.72
24.58
22.3
12.16
26.34
38.04
57.15
72.28
80.39
Free Cash Flow per Basic Share
- -
- -
- -
- -
3.71
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
2.42
1.26
2.95
5.24
4.67
6.22
7.26
8.41
10.35
11.42
25.65
32.01
37.99
42.63
46.38
54.08
60.16
Book Value per Share
-5.36
-6.5
-4.81
-2.51
-3.09
-2.04
-0.92
0.31
2.31
3.26
17.43
22.8
28.17
32.38
35.13
42.64
48.85
Tangible Book Value per Share
33
33
33
33
33
33
33
34
34
34
32
36
32
31
27
25
25
Basic Weighted Avg Shares
198
480
661
765
810
653
746
729
973
1,175
1,084
1,208
1,736
2,118
2,658
3,152
3,446
Sales/Revenue/Turnover
- -
12.26
14.1
16.05
21.8
10.96
7.49
5.79
9.89
14.69
25.02
27.86
15.44
10.74
11.07
12.91
13.53
Operating Margin (%)
9
11
13
17
19
18
16
13
14
15
20
35
37
38
40
42
39
Depreciation Expense
25
37
59
78
112
44
35
29
70
37
378
256
207
175
209
308
355
Net Income, GAAP
36.36
36.57
36.59
35.84
36.73
37.62
39.76
10.46
7.7
24.73
13.13
23.75
23.9
22.94
22.74
23.1
23.05
Effective Tax Rate (%)
12.54
7.71
8.91
10.2
13.79
6.74
4.64
4.01
7.21
3.12
34.87
21.22
11.95
8.27
7.88
9.78
10.31
Profit Margin (%)
- -
- -
-167
341
377
437
575
754
917
1,086
1,495
2,138
3,109
3,862
4,564
5,605
6,416
Working Capital
270
411
428
424
494
542
650
789
858
1,027
985
1,425
2,292
2,971
3,596
4,440
5,045
LT Debt
80
42
97
173
154
206
242
282
348
377
919
1,093
1,186
1,240
1,197
1,337
1,497
Total Equity
- -
9.18
8.93
11.36
20.15
7
4.55
4.33
8.82
11.34
14.89
11.52
6.8
4.56
4.92
5.74
6.1
Return on Invested Capital (%)
7.51
11.98
10.27
11.69
21.78
10.99
9.01
9.71
12.57
7.16
27.14
14.1
9.86
4.55
4.54
5.66
6.04
Return on Capital (%)
36.71
61
84.73
57.71
68.29
24.44
15.46
11.17
22.27
10.11
58.4
25.5
18.2
14.44
17.19
24.34
26.08
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
90
130
- -
LT Borrowings
4,408
4,703
5,014
LT Finance Leases
32
32
32
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
25
25
25
Market Capitalization
3,885
3,385
5,991

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
6,001
6,409
6,751
Cash, Cash Equivalents & STI
72
96
122
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
396
412
335
Payables & Accruals
203
282
335
ST Debt
90
130
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
24.98%
8.05%
11.68%
Free Cash Flow
27.1%
28.36%
18.23%
Net Income, GAAP
98.72%
0.01%
47.24%
Sales/Revenue/Turnover
17.97%
24.25%
18.58%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
610
628
690
730
2,658
2025
746
764
803
839
3,152
2026
875
929
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.72
2
1.64
2.44
7.78
2025
2.84
3.01
3.22
3.19
12.25
2026
3.66
4.22
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Enova International, Inc. is a leading financial technology company that delivers online financial products and related services to both consumers and small businesses. Leveraging advanced analytics and machine learning, the company offers a range of innovative credit solutions for individuals and enterprises often overlooked by traditional banking institutions. Their comprehensive offerings include various installment loan options, flexible lines of credit, and specialized programs for small business financing. Additionally, Enova facilitates bank partnerships by providing marketing and loan servicing support for near-prime unsecured consumer installment loans, and operates a money transfer platform. The company’s diverse portfolio is marketed under key brands such as CashNetUSA, NetCredit, OnDeck, Headway Capital, Simplic, and Pangea. With a focus on responsible lending, Enova has expanded its reach across the United States and Brazil, with additional international presence. Founded in 2004 and headquartered in Chicago, Illinois, Enova has funded over $65 billion to more than 13 million customers by employing its proprietary technology and sophisticated risk models for rapid credit assessment and decision-making. The company has recently reported strong financial performance in 2025, including significant year-over-year growth in revenue, originations, and adjusted earnings per share. Notably, in November 2025, Enova authorized a new $400 million share repurchase program.

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