NYSE · Financial - Credit Services

ENVA (ENVA) Stock

$221.14 -2.46% NYSE: ENVA Financial Services

Valuation

MetricValue
Price$221.14
Market Cap$5.51B
P/E Ratio13.88
P/B Ratio2.99
P/S Ratio1.22
EPS (TTM)$11.58
52-Week High$264.24
52-Week Low$96.56
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE23.04%
ROA4.76%
ROCE55.31%
Gross Margin23.48%
Operating Margin23.45%
Net Margin9.95%
Debt/Equity3.47
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$-215.0M
Net Cash Flow$-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 Ratio—
EV / EBITDA10.87
FCF Yield46.45%
Quick Ratio0.23
Interest Coverage4.35
Return 1Y91.15%
Return 3Y352.32%
Return 5Y612.30%

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
APAM $41.70 -2.04% 9.03 $2.96B 10.48%
BFH $102.05 -2.32% 8.44 $4.12B 0.87%
BKU $44.74 -1.89% 12.76 $3.25B 2.79%
CATY $60.73 -0.78% 12.34 $4.07B 2.50%
ETOR $31.81 -0.53% 17.94 $2.68B 0.00%

About ENVA

ENVA stock trades at $221.14 with a market capitalization of $5.51B. The stock is valued at a price-to-earnings (P/E) ratio of 13.88, price-to-book of 2.99, price-to-sales of 1.22. Over the past 52 weeks the stock has ranged between $96.56 and $264.24, and currently trades 16.3% below its 52-week high.

On profitability, ENVA generates a return on equity (ROE) of 23.04% — well above the market average, a sign of a high-quality business, return on capital employed of 55.31%, an operating margin of 23.45%, a net profit margin of 9.95%.

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