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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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