Enova International, Inc. (ENVA) Stock Price Quote, News &…

Summary

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.

Website

www.enova.com

Location

Chicago, IL, US

Phone312 568 4200

Employees1,836

CEOSteven E. Cunningham

Sector

Financials

Industry

Consumer Finance

IPO DateNov 13, 2014

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Company overview

Business model, segments, and competition.

Peer comparison

Metrics vs closest competitors.

Guidance & outlook

Forward guidance and assumptions.

Bull vs bear case

Upside drivers and key risks.

Valuation snapshot

Multiples vs history and peers.

Competitive moat

Defensibility and market position.

Management track record

Leadership and capital allocation history.

How it makes money

A short diagram of the business model.

Latest Documents

Mentions in Filings

… rative Agent. “Eighth Amendment Effective Date” means August 8, 2024. “Embargoed Person” has the meaning assigned to such term in Section 5.24. “Enova Disposition” means the distribution by Cash America of at least 80% of its ownership interest in Enova International, Inc. and its Subsidiaries to the holders of the Equity Interests of Cash America in connection with the initial public offering of Enova International, Inc. and its Subsidiaries.
FirstCash Holdings, Inc.Enova International, Inc.·EX-10.1 - 8-K - Entry into a Material Definitive Agreement·Q3 26·31 Aug
… ompanies involved. Selected Transactions Analysis. KBW reviewed publicly available information related to 24 U.S. bank transactions announced since June 30, 2025 with announced deal values between $100 million and $400 million. Merger of equals transactions and the Enova International, Inc. / Grasshopper Bancorp, Inc. (a one-branch digital bank) transaction were excluded from the selected transactions. The selected transactions were as follows:
COLONY BANKCORP INCEnova International, Inc.·424B4 - Prospectus filing (Rule 424(b)(4))·Q3 26·27 Aug
… ompanies involved. Selected Transactions Analysis. KBW reviewed publicly available information related to 24 U.S. bank transactions announced since June 30, 2025 with announced deal values between $100 million and $400 million. Merger of equals transactions and the Enova International, Inc. / Grasshopper Bancorp, Inc. (a one-branch digital bank) transaction were excluded from the selected transactions. The selected transactions were as follows:
COLONY BANKCORP INCEnova International, Inc.·S-4/A - Registration statement (business combination, amendment)·Q3 26·25 Aug
… ompanies involved. Selected Transactions Analysis. KBW reviewed publicly available information related to 24 U.S. bank transactions announced since June 30, 2025 with announced deal values between $100 million and $400 million. Merger of equals transactions and the Enova International, Inc. / Grasshopper Bancorp, Inc. (a one-branch digital bank) transaction were excluded from the selected transactions. The selected transactions were as follows:
COLONY BANKCORP INCEnova International, Inc.·S-4 - Registration statement (business combination)·Q3 26·14 Aug
#Dominari Holdings, Inc. 1,182 4,622 Donegal Group, Inc., Class A 93,941 1,753,878 Shares Value FINANCIALS — (Continued) Donegal Group, Inc., Class B 870 $ 14,425 \*Donnelley Financial Solutions, Inc. 83,930 4,343,377 Eagle Bancorp Montana, Inc. 12,069 262,018 Eagle Bancorp, Inc. 107,448 2,875,308 Eagle Financial Services, Inc. 3,171 121,481 Eastern Bankshares, Inc. 700,771 14,355,294 \*eHealth …
Dimensional ETF TrustEnova International, Inc.·NPORT-EX - NT NPORT-P - Notification of late filing (portfolio holdings)·Q1 26·13 Aug
… Company | Stock Symbol | Primary Business | | The Cato Corporation | CATO | Apparel Retail | | Credit Acceptance Corporation | CACC | Consumer Finance | | Encore Capital Group, Inc | ECPG | Consumer Finance | | Enova International, Inc. | ENVA | Consumer Finance | | FirstCash Holdings, Inc. | FCFS | Consumer Finance - Pawn Operator | | Green Dot Corporation, Inc. | GDOT | Consumer Finance | | LendingClub Corporation | LC | Consumer Finance | | L …
EZCORP INCEnova International, Inc.·10-K - Annual report FY 2026·FY26·12 Nov

Key Stats

Trading

Px/Chg 1D$173.85 / +0.56%

Avg Volume269.98K

Beta1.19

Mkt Cap4.33B

FD Mkt Cap5.70B

Float

Shrs Out/Float24.90M / 23.80M

Short Float0.10%

Days to Cover4.05

Stock Repurchased$39.59M

Current Valuation

EV9.10B

EV/EBITDA14.12

EV/Sales2.77

P/B3.09

P/S1.32

FCF Yield10.71%

ROE6.50%

ROA1.32%

Current Ratio0.23

Estimates

P/E13.26

Est P/E0.00

Est EPS3.66

Est PEG0.00

Valuation

Metric	5Yr Avg	Apr '23	Apr '24	Apr '25	Apr '26	Oct '26
PRICE-BASED RATIOS
Price / Earnings	26.20	6.76	11.27	12.76	52.68	47.52
Price / Sales	2.53	0.81	0.93	1.01	4.96	4.95
Price / Book Value	2.24	1.18	1.59	2.23	3.11	3.09
Price / Free Cash Flow	4.61	1.65	1.76	1.79	8.54	9.33
ENTERPRISE VALUE METRICS
Enterprise Value	6,424.3	3,594.8	4,584.5	6,194.1	8,651.6	9,096.7
Enterprise Value / Sales	5.45	2.07	2.16	2.33	10.31	10.39
Enterprise Value / EBITDA	26.84	11.79	17.27	18.52	44.47	42.15
Enterprise Value / EBIT	29.05	13.41	20.16	21.05	46.64	43.96

Financials

Full Financials

Millions USD	5Yr CAGR (%)	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
INCOME STATEMENT
Revenue	27.1%	1,207.9	1,736.1	2,117.6	2,657.8	3,151.7
Gross Income	13.6%	947.8	1,001.7	1,035.1	1,239.0	1,580.0
EBITDA	9.2%	371.9	305.0	265.5	334.5	529.8
EBIT	9.7%	336.6	268.1	227.4	294.3	488.0
Net Income	4.7%	256.3	207.4	175.1	209.4	308.4
EPS (Diluted)	14.3%	6.79	6.19	5.49	7.43	11.58
BALANCE SHEET
Cash & ST Inv	-18.9%	165.5	100.2	377.4	73.9	71.7
Total Assets	23.7%	2,761.5	3,780.9	4,585.5	5,266.1	6,468.4
Total Liabilities	32.4%	1,668.4	2,594.7	3,345.4	4,069.2	5,131.7
Total Shareholder Equity	5.2%	1,093.1	1,186.1	1,240.2	1,196.9	1,336.7
CASH FLOW
Net Operating Cash Flow	40.1%	471.9	894.0	1,166.9	1,538.6	1,819.1
Cap Ex	12.3%	-29.7	-43.6	-45.2	-43.4	-47.1
Free Cash Flow	41.5%	442.2	850.4	1,121.6	1,495.2	1,772.0

Enterprise Value Bridge

Millions USD		13 Nov '26
Price (As of 13 Nov '26)		168.33
Basic Shares		24.90
Market Cap		4,191.1
Diluted Shares		26.43
Fully Diluted Shares Outstanding		26.43
Fully Diluted Market Cap		4,449.6
+Consolidated Debt		5,409.4
−In-the-Money Convertible Debt		—
+Capital Leases		32.5
+Operating Leases		—
−Cash & Equivalents		-106.0
−Short-term Investments		-
+Total Preferred		-
−In-the-Money Convertible Preferred		—
−Investments in Unconsolidated Subs		—
+Non-Controlling Interest		-
+Pension Liabilities		—
Enterprise Value		9,494.6

Segment data

Revenue

by Geography

United States97%
Non-us3%

Related companies

Summary

Website

www.enova.com

Location

Chicago, IL, US

Phone312 568 4200

Employees1,836

CEOSteven E. Cunningham

Sector

Financials

Industry

Consumer Finance

IPO DateNov 13, 2014