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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| ENVA | +29.33% | +543.42% | +45.11% | +291% |
| S&P | +15.06% | +95.03% | +14.29% | +234% |
Enova International, Inc. engages in the provision of online financial services. Its products and services include short-term consumer loan, line of credit accounts, instalment loans, receivables purchase agreements, credit services organization program, bank program, and decision management platform-as-a-service & analytics-as-a-service. It caters non-prime credit consumers and small businesses in the United States and Brazil. The company was founded by Albert Goldstein and Alexander Goldstein in 2003 and is headquartered in Chicago, IL.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $764.04M | 21.6% |
| Market Cap | $2.83B | 65.3% |
| Market Cap / Employee | $1.58M | 0.0% |
| Employees | 1.8K | 6.7% |
| Net Income | $76.15M | 41.2% |
| EBITDA | $194.45M | 25.6% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $379.44M | 39.9% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $3.52B | 9.1% |
| Short Term Debt | $481.00M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 4.86% | 0.8% |
| Return On Invested Capital | 8.89% | -1.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $436.14M | 24.7% |
| Operating Free Cash Flow | $447.36M | 23.9% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 13.38 | 12.89 | 11.37 | 11.84 | 13.95% |
| Price to Book | 1.93 | 2.14 | 2.08 | 2.38 | 60.92% |
| Price to Sales | 0.92 | 1.00 | 0.94 | 1.01 | 38.43% |
| Price to Tangible Book Value | 2.60 | 2.84 | 2.75 | 3.14 | 57.38% |
| Price to Free Cash Flow TTM | 1.69 | 1.77 | 1.70 | 1.83 | 31.44% |
| Enterprise Value to EBITDA | 32.90 | 36.01 | 33.49 | 33.88 | 11.84% |
| Free Cash Flow Yield | 59.3% | 56.4% | 58.7% | 54.6% | -23.92% |
| Return on Equity | 14.8% | 17.2% | 19.9% | 21.6% | 44.87% |
| Total Debt | $3.32B | $3.63B | $3.79B | $4.00B | 24.08% |
ENVA earnings call for the period ending September 30, 2021.
ENVA earnings call for the period ending June 30, 2021.
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