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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| ENVA | +24.14% | +516.76% | +43.86% | +349% |
| S&P | +12.57% | +87.93% | +13.44% | +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.
| Q3 2025 | YOY Change | |
|---|---|---|
| Revenue | $802.68M | 16.3% |
| Market Cap | $2.88B | 30.2% |
| Market Cap / Employee | $1.61M | 0.0% |
| Employees | 1.8K | 6.7% |
| Net Income | $80.31M | 85.0% |
| EBITDA | $209.13M | 27.7% |
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| Q3 2025 | YOY Change | |
|---|---|---|
| Net Cash | $356.97M | 40.3% |
| Inventory | 0 | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $4.14B | 24.7% |
| Short Term Debt | $0.00M | 0.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.36% | 1.4% |
| Return On Invested Capital | 8.89% | -1.0% |
| Q3 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $470.46M | 21.4% |
| Operating Free Cash Flow | $481.80M | 20.9% |
| Metric | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 12.89 | 11.37 | 11.84 | 10.57 | -20.97% |
| Price to Book | 2.14 | 2.08 | 2.38 | 2.35 | 21.37% |
| Price to Sales | 1.00 | 0.94 | 1.01 | 1.00 | 8.35% |
| Price to Tangible Book Value | 2.84 | 2.75 | 3.14 | 3.06 | 17.65% |
| Price to Free Cash Flow TTM | 1.77 | 1.70 | 1.83 | 1.79 | 5.98% |
| Enterprise Value to EBITDA | 36.01 | 33.49 | 33.88 | 32.65 | -0.76% |
| Free Cash Flow Yield | 56.4% | 58.7% | 54.6% | 56.0% | -5.64% |
| Return on Equity | 17.2% | 19.9% | 21.6% | 23.8% | 60.87% |
| Total Debt | $3.63B | $3.79B | $4.00B | $4.14B | 24.66% |
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