NYSE · Financial - Credit Services

Enova International, Inc. (ENVA) Stock

$177.89 +0.21% NYSE: ENVA Financial Services

Valuation

MetricValue
Price$177.89
Market Cap$4.43B
P/E Ratio12.10
P/B Ratio2.87
P/S Ratio1.43
EPS (TTM)$11.58
52-Week High$267.45
52-Week Low$103.02
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE25.76%
ROA4.92%
ROCE12.11%
Gross Margin23.48%
Operating Margin23.45%
Net Margin11.81%
Debt/Equity3.37
Current Ratio0.24

Annual Financials (USD)

Metric20212022202320242025
Revenue$1.2B$1.7B$2.1B$2.7B$3.2B
Operating Profit$413.0M$384.0M$422.0M$585.0M$739.0M
Net Profit$256.0M$207.0M$175.0M$209.0M$308.0M
EPS$6.79$6.19$5.49$7.43$11.58
Op Margin34.2%22.1%19.9%22.0%23.5%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.8B$3.8B$4.6B$5.3B$6.5B
Total Liabilities$1.7B$2.6B$3.3B$4.1B$5.1B
Cash$165.0M$100.0M$377.0M$74.0M$72.0M
Borrowings$1.4B$2.3B$3.0B$3.6B$4.6B

Latest News

ENVA: Lowering target price to $242.00 Argus Research · Jul 15, 2026 Enova Announces Board of Directors Appointment and Planned Departures PR Newswire · Jul 10, 2026 Enova Announces Date of Second Quarter 2026 Financial Results Conference Call PR Newswire · Jul 9, 2026 Enova International (ENVA) Upgraded to Buy: Here's What You Should Know Zacks · Jul 9, 2026 Here's Why Atlanticus' Scalable Platform Support Long-Term Growth Zacks · Jul 9, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$472.0M$894.0M$1.2B$1.5B$1.8B
Investing Cash Flow$-1.0B$-1.7B$-1.5B$-2.0B$-2.5B
Financing Cash Flow$-107.0M$-146.0M$-170.0M$-305.0M$-230.0M
Net Cash Flow$-143.0M$-47.0M$199.0M$-55.0M$85.0M
Free Cash Flow$442.0M$850.0M$1.1B$1.5B$1.8B

Valuation & Return Ratios

MetricValue
PEG Ratio0.28
EV / EBITDA11.82
FCF Yield45.36%
Quick Ratio18.42
Interest Coverage-8.07
Return 1Y86.89%
Return 3Y372.02%
Return 5Y582.38%

Ownership

Insiders Held4.53%
Institutions Held97.19%
Institutions Float Held101.81%
Institutional HolderSharesReport Date
Blackrock Inc.4,060,3932026-03-31
Vanguard Capital Management LLC1,065,1372026-03-31
Dimensional Fund Advisors LP1,056,7142026-03-31
State Street Corporation965,0032026-03-31
Invesco Ltd.888,1872026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
APAMArtisan Partners Asset Management Inc. $32.29 -1.43% 8.23 $2.29B 9.17%
BFHBread Financial Holdings, Inc. $102.56 +1.23% 7.50 $3.94B 0.94%
BKUBankUnited, Inc. $41.94 -0.17% 12.02 $2.99B 3.04%
CATYCathay General Bancorp $59.96 -0.32% 11.81 $4.00B 2.50%
ETOReToro Group Ltd. $24.39 -2.01% 8.45 $1.98B 0.00%

About Enova International, Inc.

Enova International, Inc. (ENVA) stock trades at $177.89 with a market capitalization of $4.43B. The stock is valued at a price-to-earnings (P/E) ratio of 12.10, price-to-book of 2.87, price-to-sales of 1.43. Over the past 52 weeks the stock has ranged between $103.02 and $267.45, and currently trades 33.5% below its 52-week high.

On profitability, Enova International, Inc. generates a return on equity (ROE) of 25.76%, above the typical market range of roughly 12-15%, return on capital employed of 12.11%, an operating margin of 23.45%, a net profit margin of 11.81%.

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