Enova International Inc.

ENVA | NYSE

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$173.22

-$1.50 (-0.86%)

Sep 21, 2026, 12:40 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $4.35B

Enterprise Value $9.27B

Beta 1.21

Average Volume 324.96K

Shares Outstanding (Diluted) 26.34M

Shares Change YoY -2.66%

Institutional Ownership 94.19%

Exchange NYSE

ISIN US29357K1034

Price Performance

Price Change 1M -33.0%

Price Change 3M -14.7%

Price Change 6M 27.2%

Price Change YTD 7.9%

Price Change 1Y 37.7%

Price Change 3Y 267.6%

Price Change 5Y 422.3%

1M CAGR (ann.) -31.7%

1Y CAGR (ann.) 41.7%

5Y CAGR (ann.) 40.4%

All-Time CAGR 17.1%

Valuation

PE Ratio 12.96

Forward PE 7.85

PEG Ratio 0.28

Forward PEG 0.57

PS Ratio 1.44

Forward PS 1.00

PB Ratio 2.91

P/FCF Ratio 2.23

P/Adj. FCF Ratio 2.27

P/OCF Ratio 2.17

EV/Sales 3.08

EV/EBIT 12.49

EV/EBITDA 11.87

EV/FCF 4.75

Earnings Yield 7.7%

FCF Yield 44.9%

Adj. FCF Yield 44.1%

Financial Health

Net Debt $4.89B

Total Debt $5.05B

Cash & Short-Term Investments $122.23M

Total Assets $7.22B

Current Ratio 18.42

Quick Ratio 18.42

Debt / Equity Ratio 3.37

Debt / EBITDA 6.46

Debt / FCF 2.58

OCF / Debt 0.40

Interest Coverage -8.07

Altman Z-Score 2.70

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 74.0%

Operating Profit Margin 27.6%

EBITDA Margin 25.9%

Net Profit Margin 11.8%

FCF Margin 64.9%

Adj. FCF Margin 63.7%

SBC / Revenue 1.1%

SBC Impact (per share) -1.8%

Returns

Return on Assets 4.9%

Return on Equity 25.8%

Return on Invested Capital 9.3%

Return on Capital Employed 12.1%

Return on Tangible Assets 5.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 16.1%

Revenue CAGR 5Y 24.9%

Revenue CAGR 10Y 15.9%

EPS CAGR 3Y 29.6%

EPS CAGR 5Y -0.3%

EPS CAGR 10Y 32.5%

FCF CAGR 3Y 23.3%

FCF CAGR 5Y 34.4%

FCF CAGR 10Y 20.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 10

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $4.42

EPS Growth Est (next Q) 31.6%

Revenue Est (next Q) $1B

Revenue Growth Est (next Q) 24.9%

Fair Value Estimates

Graham Number $135.10

Graham Upside -22.7%

Lynch Fair Value $67.40

Lynch Upside -61.4%

Price Target $247.60

Price Target Upside 41.7%

Cash Flow

Operating Cash Flow $2B

Free Cash Flow $1.95B

Adj. Free Cash Flow $1.92B

FCF Per Share $78.49

OCF Per Share $80.36

OCF/S Ratio 66.4%

Income Statement

Revenue $3.01B

Gross Profit $2.23B

Operating Income $830.33M

EBITDA $780.96M

Net Income $355.45M

EPS (Diluted) $13.48

Revenue / Employee $1.64M

Profit / Employee $193.6K

Employees 1,836