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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| ENVA | +43.51% | +521.12% | +44.09% | +459% |
| S&P | +15.4% | +78.67% | +12.31% | +243% |
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.
| Q4 2025 | YOY Change | |
|---|---|---|
| Revenue | $839.39M | 15.1% |
| Market Cap | $3.90B | 55.0% |
| Market Cap / Employee | $2.18M | 0.0% |
| Employees | 1.8K | 0.0% |
| Net Income | $78.98M | 24.0% |
| EBITDA | $195.71M | 18.3% |
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| Q4 2025 | YOY Change | |
|---|---|---|
| Net Cash | $407.86M | 26.4% |
| Inventory | 0 | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $4.53B | 26.1% |
| Short Term Debt | $0.00K | 0.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 5.26% | 1.0% |
| Return On Invested Capital | 8.89% | -1.0% |
| Q4 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $487.12M | 15.9% |
| Operating Free Cash Flow | $498.81M | 15.9% |
| Metric | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 11.37 | 11.84 | 10.57 | 13.57 | 5.31% |
| Price to Book | 2.08 | 2.38 | 2.35 | 3.05 | 42.62% |
| Price to Sales | 0.94 | 1.01 | 1.00 | 1.31 | 31.72% |
| Price to Tangible Book Value | 2.75 | 3.14 | 3.06 | 3.91 | 37.75% |
| Price to Free Cash Flow TTM | 1.70 | 1.83 | 1.79 | 2.34 | 31.80% |
| Enterprise Value to EBITDA | 33.49 | 33.88 | 32.65 | 42.23 | 17.28% |
| Free Cash Flow Yield | 58.7% | 54.6% | 56.0% | 42.8% | -24.12% |
| Return on Equity | 19.9% | 21.6% | 23.8% | 24.3% | 41.63% |
| Total Debt | $3.79B | $4.00B | $4.14B | $4.53B | 24.94% |
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