Discounted Cash Flow Rating
Neutral
Return on Equity Rating
Strong Buy
Debt to Equity Rating
Strong Sell
Price to Earnings Rating
Neutral
Analyst Rating
Neutral
Simple Moving Average
Sell
Exponential Moving Average
Strong Sell
Relative Strength Index
Neutral
Standard Deviation
Strong Buy
Williams %R
Strong Buy
Average Directional Index
Strong Sell
Insider Trading
Neutral
Wall Street Data Solutions Rating
Neutral
B
Enova International, Inc. (ENVA)
Personal Credit Institutions
Enova International Inc provides online financial services, including short-term consumer loans, line of credit accounts, and installment loans to customers mainly in the United States and the United Kingdom. Consumers apply for credit online, receive a decision almost immediately, and can receive funds within one day. Enova acts as either the lender or a third-party facilitator between borrowers and other lenders. The company earns revenue from interest income, finance charges, and other fees, including fees on the transactions between borrowers and third-party lenders. The majority of revenue comes from the United States. The company realizes similar amounts of revenue from each of its three different products: short-term loans, lines of credit, and installment loans.
175 WEST JACKSON BLVD., SUITE 1000
CHICAGO, IL
Current Price
---.--
% Change Today
0.00%
Change Amt. Today
0.00
Active Status
Active
Listing Date
10/30/2014
Market Cap
2,176,383,180
Shares Outstanding
29,870,000
Weighted SO
29,868,766
Total Employees
N/A
Upcoming Earnings
07/23/2024
Similar Tickers
Beta
1.4550
Last Div
0.0000
Range
35.3-88.422
Chg
0.0800
Avg Vol
231674
Mkt Cap
2176383180
Exch
NYSE
Country
US
Phone
312 568 4200
DCF Diff
0.3672
DCF
43.9328
Div Yield
0.0000
P/S
0.9170
EV Multiple
10.9697
P/FV
1.9355
Div Yield %
0.0000
P/E
12.4503
PEG
0.7175
Payout
0.0000
Current Ratio
0.0000
Quick Ratio
0.0000
Cash Ratio
0.0000
DSO
616.3967
DIO
0.0000
Op Cycle
616.3967
DPO
0.0000
CCC
616.3967
Gross Margin
0.7427
Op Margin
0.2010
Pretax Margin
0.0990
Net Margin
0.0752
Eff Tax Rate
0.2411
ROA
0.0370
ROE
0.1487
ROCE
0.0990
NI/EBT
0.7589
EBT/EBIT
0.4927
EBIT/Rev
0.2010
Debt Ratio
0.6631
D/E
2.7835
LT Debt/Cap
0.7357
Total Debt/Cap
0.7357
Int Coverage
-3.7272
CF/Debt
0.4054
Equity Multi
4.1978
Rec Turnover
0.5922
Pay Turnover
0.0000
Inv Turnover
0.0000
FA Turnover
18.5064
Asset Turnover
0.4927
OCF/Share
48.0747
FCF/Share
46.3334
Cash/Share
10.0715
OCF/Sales
0.5457
FCF/OCF
0.9638
CF Coverage
0.4054
ST Coverage
0.0000
CapEx Coverage
27.6097
Div&CapEx Cov
27.6097
P/BV
1.9355
P/B
1.9355
P/S
0.9170
P/E
12.4503
P/FCF
1.7437
P/OCF
1.7150
P/CF
1.7150
PEG
0.7175
P/S
0.9170
EV Multiple
10.9697
P/FV
1.9355
DPS
0.0000
Latest Headlines (EST)
Revenue Product Segmentation
Year | Purchases | Sales | Total Bought | Total Sold |
---|
Transaction Date | Name | Type Of Owner | Price | Securities Owned | Securities Transacted | Security Name | Transaction Type |
---|
Less Than 3 Months
102.81K Shares Bought (51.84 %)
95.50K Shares Sold (48.16%)
3 - 6 Months
140.00K Shares Bought (51.70 %)
130.77K Shares Sold (48.30%)
6 - 9 Months
114.71K Shares Bought (35.97 %)
204.22K Shares Sold (64.03%)
9 - 12 Months
0.00 Shares Bought (0.00 %)
45.00K Shares Sold (100.00 %)
Investor Name | Investment Discretion | Type of Security | Shares Owned | Avg Price Paid | Market Value | Change In Market Value | Change In Market Value (%) | Ownership | Weight |
---|
Date | Investors Holding | Closed Positions | Increased Positions | Reduced Positions | New Positions | Total Invested | Put/Call Ratio | Total Calls | Total Puts |
---|
Owner | Shares Owned |
---|
2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | |
---|---|---|---|---|---|---|---|
Revenue | 312.60M | ▲ 345.26M | ▼ 263.85M | ▲ 363.61M | ▲ 486.16M | ▲ 583.59M | ▲ 609.89M |
Cost Of Revenue | 197.27M | ▲ 218.17M | ▼ 47.65M | ▲ 102.25M | ▲ 196.06M | ▼ 3.00K | ▲ 329.62M |
Gross Profit | 115.33M | ▲ 127.09M | ▲ 216.20M | ▲ 261.36M | ▲ 290.11M | ▲ 583.59M | ▼ 280.27M |
Gross Profit Ratio | 0.37 | ▼ 0.37 | ▲ 0.82 | ▼ 0.72 | ▼ 0.60 | ▲ 1.00 | ▼ 0.46 |
Research And Development Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
General And Administrative Expenses | 27.48M | ▼ 24.64M | ▲ 56.66M | ▼ 40.64M | ▼ 35.06M | ▲ 49.15M | ▼ 39.87M |
Selling And Marketing Expenses | 32.14M | ▲ 35.71M | ▼ 27.61M | ▲ 107.61M | ▼ 96.57M | ▲ 122.23M | ▼ 110.57M |
Selling General And Administrative Expenses | 59.62M | ▲ 60.35M | ▲ 84.26M | ▲ 148.25M | ▼ 131.64M | ▲ 171.37M | ▼ 150.43M |
Other Expenses | 35.32M | ▼ -8.85M | ▲ 39.10M | ▼ -842.00K | ▲ 53.22M | ▼ -477.02M | ▲ -468.83M |
Operating Expenses | 94.94M | ▼ 87.26M | ▲ 123.36M | ▲ 199.70M | ▼ 184.86M | ▲ 477.02M | ▼ 468.83M |
Cost And Expenses | 292.20M | ▲ 305.43M | ▼ 171.02M | ▲ 301.94M | ▲ 380.92M | ▲ 486.05M | ▼ 479.10M |
Interest Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Interest Expense | 20.08M | ▼ 19.75M | ▲ 27.30M | ▼ 19.02M | ▲ 37.53M | ▲ 57.21M | ▼ -65.60M |
Depreciation And Amortization | 3.83M | ▲ 4.01M | ▲ 8.29M | ▲ 12.37M | ▼ 8.41M | ▲ 9.03M | ▲ 10.26M |
Ebitda | 32.09M | ▲ 43.86M | ▼ -62.57M | ▲ 74.88M | ▲ 113.66M | ▼ 106.57M | ▲ 141.06M |
Ebitda Ratio | 0.10 | ▲ 0.13 | ▼ -0.24 | ▲ 0.21 | ▲ 0.23 | ▼ 0.18 | ▲ 0.23 |
Operating Income | 40.47M | ▲ 59.58M | ▲ 120.14M | ▼ 80.68M | ▲ 105.25M | ▼ 97.54M | ▲ 130.79M |
Operating Income Ratio | 0.13 | ▲ 0.17 | ▲ 0.46 | ▼ 0.22 | ▼ 0.22 | ▼ 0.17 | ▲ 0.21 |
Total Other Income Expenses Net | -7.87M | ▲ -26.00K | ▲ 164.32M | ▼ -446.00K | ▼ -38.33M | ▼ -55.91M | ▼ -66.14M |
Income Before Tax | 12.53M | ▲ 39.81M | ▲ 257.16M | ▼ 61.22M | ▲ 66.92M | ▼ 41.63M | ▲ 64.66M |
Income Before Tax Ratio | 0.04 | ▲ 0.12 | ▲ 0.97 | ▼ 0.17 | ▼ 0.14 | ▼ 0.07 | ▲ 0.11 |
Income Tax Expense | 3.86M | ▲ 10.28M | ▲ 26.38M | ▼ 12.48M | ▲ 16.05M | ▼ 6.86M | ▲ 16.23M |
Net Income | 8.67M | ▼ -50.55M | ▲ 230.69M | ▼ 48.65M | ▲ 50.87M | ▼ 34.77M | ▲ 48.43M |
Net Income Ratio | 0.03 | ▼ -0.15 | ▲ 0.87 | ▼ 0.13 | ▼ 0.10 | ▼ 0.06 | ▲ 0.08 |
Eps | 0.25 | ▼ -1.51 | ▲ 6.61 | ▼ 1.36 | ▲ 1.62 | ▼ 1.17 | ▲ 1.72 |
Eps Diluted | 0.25 | ▼ -1.48 | ▲ 6.47 | ▼ 1.30 | ▲ 1.56 | ▼ 1.13 | ▲ 1.64 |
Weighted Average Shs Out | 34.16M | ▼ 33.55M | ▲ 34.93M | ▲ 35.75M | ▼ 31.40M | ▼ 29.69M | ▼ 28.20M |
Weighted Average Shs Out Dil | 35.10M | ▼ 34.12M | ▲ 35.65M | ▲ 37.33M | ▼ 32.63M | ▼ 30.89M | ▼ 29.50M |
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2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | |
---|---|---|---|---|---|---|---|
Cash And Cash Equivalents | 52.92M | ▼ 47.34M | ▲ 297.27M | ▼ 165.48M | ▼ 100.17M | ▲ 377.44M | ▼ 228.93M |
Short Term Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash And Short Term Investments | 52.92M | ▼ 47.34M | ▲ 297.27M | ▼ 165.48M | ▼ 100.17M | ▲ 377.44M | ▼ 228.93M |
Net Receivables | 918.84M | ▲ 1.13B | ▲ 1.28B | ▲ 2.07B | ▲ 3.13B | ▲ 3.67B | ▲ 3.88B |
Inventory | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Other Current Assets | 24.34M | ▲ 45.07M | ▲ 71.93M | ▼ 60.41M | ▲ 78.24M | ▼ -4.05B | ▼ -4.11B |
Total Current Assets | 996.10M | ▲ 1.22B | ▲ 1.65B | ▲ 2.29B | ▲ 3.31B | ▲ 4.12B | ▲ 4.18B |
Property Plant Equipment Net | 49.55M | ▲ 74.13M | ▲ 119.54M | ▼ 101.50M | ▲ 112.58M | ▲ 122.96M | ▲ 125.33M |
Goodwill | 267.01M | 267.01M | ▲ 267.97M | ▲ 279.28M | 279.28M | 279.28M | 279.28M |
Intangible Assets | 3.26M | ▼ 2.19M | ▲ 26.01M | ▲ 35.44M | ▼ 27.39M | ▼ 19.01M | ▼ 16.99M |
Goodwill And Intangible Assets | 270.27M | ▼ 269.20M | ▲ 293.98M | ▲ 314.72M | ▼ 306.67M | ▼ 298.28M | ▼ 296.27M |
Long Term Investments | 0.00 | 0.00 | 0.00 | ▲ 6.92M | ▲ 43.72M | ▼ 30.19M | ▼ 26.51M |
Tax Assets | 0.00 | 0.00 | 0.00 | ▼ -6.92M | ▼ -43.72M | ▼ -71.98M | ▲ -65.96M |
Other Non Current Assets | 12.26M | ▼ 11.46M | ▲ 43.55M | ▲ 44.39M | ▲ 54.71M | ▲ 83.38M | ▼ 78.86M |
Total Non Current Assets | 332.08M | ▲ 354.79M | ▲ 457.07M | ▲ 467.53M | ▲ 473.95M | ▼ 462.82M | ▼ 461.00M |
Other Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Total Assets | 1.33B | ▲ 1.57B | ▲ 2.11B | ▲ 2.76B | ▲ 3.78B | ▲ 4.59B | ▲ 4.64B |
Account Payables | 89.32M | ▲ 122.16M | ▲ 124.07M | ▲ 156.10M | ▲ 198.32M | ▼ 43.33M | ▲ 290.60M |
Short Term Debt | 2.17M | ▼ 1.51M | ▼ -38.58M | ▲ 28.33M | ▼ 9.51M | ▲ 22.34M | ▼ 0.00 |
Tax Payables | 0.00 | ▲ 44.78M | ▼ 2.62M | ▼ 0.00 | 0.00 | 0.00 | 0.00 |
Deferred Revenue | 5.61M | ▲ 11.27M | ▼ 2.17M | ▼ -72.47M | ▼ -97.19M | ▲ 60.25M | ▼ 0.00 |
Other Current Liabilities | -7.77M | ▼ -12.78M | ▲ 39.04M | ▼ -28.33M | ▲ 87.68M | ▲ 135.23M | ▼ 0.00 |
Total Current Liabilities | 89.32M | ▲ 122.16M | ▲ 126.70M | ▲ 156.10M | ▲ 198.32M | ▲ 261.16M | ▲ 290.60M |
Long Term Debt | 857.93M | ▲ 1.03B | ▼ 1.01B | ▲ 1.43B | ▲ 2.29B | ▲ 2.94B | ▲ 3.04B |
Deferred Revenue Non Current | -93.97M | ▼ -170.16M | ▼ -1.14B | ▲ -138.66M | ▼ -198.32M | ▼ -261.16M | ▼ -263.64M |
Deferred Tax Liabilities Non Current | 33.17M | ▲ 48.68M | ▼ 48.13M | ▲ 86.94M | ▲ 104.17M | ▲ 113.35M | ▲ 127.89M |
Other Non Current Liabilities | 0.00 | 0.00 | ▲ 1.14B | ▼ 0.00 | ▲ 198.32M | ▲ 288.20M | ▲ 290.60M |
Total Non Current Liabilities | 891.10M | ▲ 1.08B | ▼ 1.06B | ▲ 1.51B | ▲ 2.40B | ▲ 3.08B | ▲ 3.20B |
Other Liabilities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capital Lease Obligations | 0.00 | ▲ 35.71M | ▲ 67.96M | ▼ 40.99M | ▼ 33.60M | ▼ 22.88M | ▲ 26.96M |
Total Liabilities | 980.42M | ▲ 1.20B | ▼ 1.19B | ▲ 1.67B | ▲ 2.59B | ▲ 3.35B | ▲ 3.49B |
Preferred Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Common Stock | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Retained Earnings | 336.42M | ▲ 372.68M | ▲ 849.47M | ▲ 1.11B | ▲ 1.31B | ▲ 1.49B | ▲ 1.54B |
Accumulated Other Comprehensive Income Loss | -13.81M | ▲ -3.07M | ▼ -6.90M | ▼ -8.54M | ▲ -5.99M | ▼ -6.26M | ▼ -7.23M |
Other Total Stockholders Equity | 25.16M | ▼ 7.00M | ▲ 74.78M | ▼ -4.17M | ▼ -121.05M | ▼ -241.86M | ▼ -379.29M |
Total Stockholders Equity | 347.77M | ▲ 376.61M | ▲ 917.35M | ▲ 1.09B | ▲ 1.19B | ▲ 1.24B | ▼ 1.15B |
Total Equity | 347.77M | ▲ 376.61M | ▲ 918.83M | ▲ 1.09B | ▲ 1.19B | ▲ 1.24B | ▼ 1.15B |
Total Liabilities And Stockholders Equity | 1.33B | ▲ 1.57B | ▲ 2.11B | ▲ 2.76B | ▲ 3.78B | ▲ 4.59B | ▲ 4.64B |
Minority Interest | 0.00 | 0.00 | ▲ 1.49M | ▼ 0.00 | 0.00 | 0.00 | 0.00 |
Total Liabilities And Total Equity | 1.33B | ▲ 1.57B | ▲ 2.11B | ▲ 2.76B | ▲ 3.78B | ▲ 4.59B | ▲ 4.64B |
Total Investments | 0.00 | 0.00 | 0.00 | ▲ 6.92M | ▲ 43.72M | ▼ 30.19M | ▼ 26.51M |
Total Debt | 857.93M | ▲ 1.03B | ▼ 1.01B | ▲ 1.43B | ▲ 2.29B | ▲ 2.99B | ▲ 3.07B |
Net Debt | 805.01M | ▲ 979.55M | ▼ 717.14M | ▲ 1.26B | ▲ 2.19B | ▲ 2.61B | ▲ 2.84B |
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2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2024 | |
---|---|---|---|---|---|---|---|
Net Income | 8.67M | ▼ -50.55M | ▲ 230.78M | ▼ 48.74M | ▲ 50.87M | ▼ 34.77M | ▲ 48.43M |
Depreciation And Amortization | 3.83M | ▼ 3.21M | ▲ 8.29M | ▲ 12.37M | ▼ 8.50M | ▲ 9.03M | ▲ 10.26M |
Deferred Income Tax | -12.92M | ▲ 2.92M | ▲ 7.41M | ▲ 15.73M | ▼ 4.59M | ▲ 16.10M | ▼ 14.54M |
Stock Based Compensation | 3.51M | ▼ 2.18M | ▲ 7.15M | ▼ 5.11M | ▲ 5.99M | ▲ 7.46M | ▲ 7.64M |
Change In Working Capital | 26.92M | ▼ -6.04M | ▲ -503.00K | ▼ -11.28M | ▲ 3.91M | ▼ -12.88M | ▲ 1.17M |
Accounts Receivables | 1.77M | ▼ -15.96M | ▲ 1.53M | ▼ -2.54M | ▼ -20.08M | ▲ -9.49M | ▲ 1.70M |
Inventory | 11.73M | ▲ 45.68M | ▼ 24.12M | ▼ 10.84M | ▼ -17.71M | ▲ 9.49M | ▼ 0.00 |
Accounts Payables | 17.77M | ▼ 13.78M | ▼ -20.96M | ▲ 17.84M | ▼ 17.71M | ▼ 14.35M | ▼ -14.93M |
Other Working Capital | -4.35M | ▼ -49.54M | ▲ -5.18M | ▼ -37.43M | ▲ 23.98M | ▼ -27.23M | ▲ 16.10M |
Other Non Cash Items | 186.68M | ▲ 300.60M | ▼ -135.49M | ▲ 76.04M | ▲ 195.28M | ▲ 259.80M | ▲ 309.63M |
Net Cash Provided By Operating Activities | 216.68M | ▲ 252.33M | ▼ 117.64M | ▲ 146.71M | ▲ 269.14M | ▲ 314.29M | ▲ 348.56M |
Investments In Property Plant And Equipment | -4.78M | ▲ -839.00K | ▼ -9.66M | ▲ -7.64M | ▼ -10.34M | ▼ -11.81M | ▲ -11.23M |
Acquisitions Net | 0.00 | 0.00 | ▲ 113.52M | ▼ 1.93M | ▼ 0.00 | 0.00 | 0.00 |
Purchases Of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Sales Maturities Of Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Other Investing Activities | -199.01M | ▼ -297.93M | ▲ -37.41M | ▼ -453.08M | ▲ -430.96M | ▼ -554.41M | ▲ -431.96M |
Net Cash Used For Investing Activities | -203.79M | ▼ -298.77M | ▲ 66.45M | ▼ -458.79M | ▲ -441.30M | ▼ -566.22M | ▲ -443.18M |
Debt Repayment | -373.80M | ▲ -183.16M | ▼ -381.03M | ▲ -13.89M | ▼ -37.21M | ▼ -496.99M | ▲ -91.09M |
Common Stock Issued | 6.73M | ▼ 3.56M | ▼ 189.00K | ▲ 15.46M | ▼ 793.00K | ▲ 2.75M | ▲ 6.30M |
Common Stock Repurchased | -15.75M | ▼ -23.21M | ▲ -1.80M | ▼ -96.82M | ▲ -19.01M | ▼ -66.76M | ▼ -151.37M |
Dividends Paid | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Other Financing Activities | 537.74M | ▲ 594.17M | ▼ 66.36M | ▲ 690.25M | ▼ 235.23M | ▲ 1.01B | ▼ -2.89M |
Net Cash Used Provided By Financing Activities | -118.76M | ▲ 92.87M | ▼ -349.87M | ▲ 249.72M | ▼ 179.02M | ▲ 432.97M | ▼ -53.98M |
Effect Of Forex Changes On Cash | -1.90M | ▲ 7.48M | ▼ -70.00K | ▲ 108.00K | ▼ -594.00K | ▲ 77.00K | ▲ 84.00K |
Net Change In Cash | -107.76M | ▲ 1.75M | ▼ -165.85M | ▲ -62.26M | ▲ 6.26M | ▲ 181.12M | ▼ -148.51M |
Cash At End Of Period | 77.26M | ▲ 92.41M | ▲ 369.20M | ▼ 225.88M | ▼ 178.40M | ▲ 377.44M | ▼ 228.93M |
Cash At Beginning Of Period | 185.02M | ▼ 90.66M | ▲ 535.05M | ▼ 288.14M | ▼ 172.14M | ▲ 196.32M | ▲ 377.44M |
Operating Cash Flow | 216.68M | ▲ 252.33M | ▼ 117.64M | ▲ 146.71M | ▲ 269.14M | ▲ 314.29M | ▲ 348.56M |
Capital Expenditure | -4.78M | ▲ -839.00K | ▼ -9.66M | ▲ -7.64M | ▼ -10.34M | ▼ -11.81M | ▲ -11.23M |
Free Cash Flow | 211.90M | ▲ 251.49M | ▼ 107.98M | ▲ 139.07M | ▲ 258.80M | ▲ 302.48M | ▲ 337.34M |
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